# EDGAR Filing Document

**Accession Number:** 0002069323
**File Stem:** 0001213900-25-061833
**Filing Date:** 2025-7
**Character Count:** 3882995
**Document Hash:** 24eeacd169879be81df28150c4a7da93
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-25-061833.hdr.sgml**: 20250707

**ACCESSION NUMBER**: 0001213900-25-061833

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

**PUBLIC DOCUMENT COUNT**: 138

**CONFORMED PERIOD OF REPORT**: 20250707

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

**FILED AS OF DATE**: 20250707

**DATE AS OF CHANGE**: 20250707

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2025-NQM3, LLC
- **CENTRAL INDEX KEY:** 0002069323

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07829
- **FILM NUMBER:** 251108843

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

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2025-NQM3, LLC
- **CENTRAL INDEX KEY:** 0002069323

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

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

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

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRP Depositor 2025-NQM3, LLC
- **CENTRAL INDEX KEY:** 0002069323

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

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

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

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

OMB Number: 3235-0675

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**<u>PRP DEPOSITOR 2025-NQM3, LLC</u>**

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: <u>0002069323</u>

PRPM 2025-NQM3 Trust

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

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

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

Jim Barrons, (602) 802-8305

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

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

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

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

**SIGNATURES**

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

---

| | | | |
|:---|:---|:---|:---|
|  |  | PRP DEPOSITOR 2025-NQM3, LLC | PRP DEPOSITOR 2025-NQM3, LLC |
| Date:July 7, 2025 | By: | /s/ Jeff Padden | /s/ Jeff Padden |
|  |  | Name: | Jeff Padden |
|  |  | Title: | General Counsel |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report - Consolidated Analytics, Inc. Narrative](ea024824301_ex99-1.htm)

[Schedule 1 – Due Diligence Standard Report](ea024824301_ex99-1sch1.htm)

[Schedule 2 – Rating Agency Grades Summary Report](ea024824301_ex99-1sch2.htm)

[Schedule 3 – Valuations Report](ea024824301_ex99-1sch3.htm)

[Schedule 4 – Data Compare](ea024824301_ex99-1sch4.htm)

[99.2 - Third Party Due Diligence Report – Canopy Financial Technology Partners LLC Diligence Narrative](ea024824301_ex99-2.htm)

[Schedule 1 – ATR QM Report](ea024824301_ex99-2sch1.htm)

[Schedule 2 – Data Compare Report](ea024824301_ex99-2sch2.htm)

[Schedule 3 – RA Grades Detail Report](ea024824301_ex99-2sch3.htm)

[Schedule 4 – RA Grades Summary Report](ea024824301_ex99-2sch4.htm)

[Schedule 5 – Valuation Report](ea024824301_ex99-2sch5.htm)

[99.3 - Third Party Due Diligence Report – Clarifii LLC Narrative](ea024824301_ex99-3.htm)

[Schedule 1 – ATR QM Report](ea024824301_ex99-3sch1.htm)

[Schedule 2 – Data Compare Report](ea024824301_ex99-3sch2.htm)

[Schedule 3 – RA Grades Detail Report](ea024824301_ex99-3sch3.htm)

[Schedule 4 – RA Grades Summary Report](ea024824301_ex99-3sch4.htm)

[Schedule 5 – Valuation Report](ea024824301_ex99-3sch5.htm)

[Schedule 6 – Business Purpose Supplemental Extract](ea024824301_ex99-3sch6.htm)

[99.4 - Third Party Due Diligence Report – Clayton Services LLC Narrative](ea024824301_ex99-4.htm)

[Schedule 1 – Conditions Detail](ea024824301_ex99-4sch1.htm)

[Schedule 2 – Loan Grades](ea024824301_ex99-4sch2.htm)

[Schedule 3 – Loan Level Tape Compare](ea024824301_ex99-4sch3.htm)

[Schedule 4 – Non ATR QM](ea024824301_ex99-4sch4.htm)

[Schedule 5 – RA ATM QM](ea024824301_ex99-4sch5.htm)

[Schedule 6 – Valuation Summary](ea024824301_ex99-4sch6.htm)

[99.5 Third Party Due Diligence Report – Digital Risk, LLC Narrative](ea024824301_ex99-5.htm)

[Schedule 1 – Findings Report](ea024824301_ex99-5sch1.htm)

[Schedule 2 – QM Status](ea024824301_ex99-5sch2.htm)

[Schedule 3 – Rating Agency Report](ea024824301_ex99-5sch3.htm)

[Schedule 4 – Valuation Report](ea024824301_ex99-5sch4.htm)

[Schedule 5 – DI Report](ea024824301_ex99-5sch5.htm)

[99.6 - Third Party Due Diligence Report – Evolve Mortgage Services Narrative](ea024824301_ex99-6.htm)

[Schedule 1 – Data Compare Report](ea024824301_ex99-6sch1.htm)

[Schedule 2 – Exception Detail Report](ea024824301_ex99-6sch2.htm)

[Schedule 3 – QM ATR Data Report](ea024824301_ex99-6sch3.htm)

[Schedule 4 – RA Grades Report](ea024824301_ex99-6sch4.htm)

[Schedule 5 – Valuation Report](ea024824301_ex99-6sch5.htm)

[Schedule 6 – Business Purpose](ea024824301_ex99-6sch6.htm)

[99.7 - Third Party Due Diligence Report – Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions Narrative](ea024824301_ex99-7.htm)

[Schedule 1 – Exception Report](ea024824301_ex99-7sch1.htm)

[Schedule 2 – Final Tape Compare Report](ea024824301_ex99-7sch2.htm)

[Schedule 3 – QM ATR Report](ea024824301_ex99-7sch3.htm)

[Schedule 4 – RA Grades Report](ea024824301_ex99-7sch4.htm)

[Schedule 5 – Valuation Summary](ea024824301_ex99-7sch5.htm)

[99.8 - Third Party Due Diligence Report – Infinity IPS, Inc. Narrative](ea024824301_ex99-8.htm)

[Schedule 1 – Valuation Report](ea024824301_ex99-8sch1.htm)

[Schedule 2 – Rating Agency Grades](ea024824301_ex99-8sch2.htm)

[Schedule 3 – Loan Level Exceptions](ea024824301_ex99-8sch3.htm)

[99.9 - Third Party Due Diligence Report – Maxwell Diligence Solutions, LLC Narrative](ea024824301_ex99-9.htm)

[Schedule 1 – Business Purpose Report](ea024824301_ex99-9sch1.htm)

[Schedule 2 – Grading Report](ea024824301_ex99-9sch2.htm)

[Schedule 3 – Standard Exceptions Report](ea024824301_ex99-9sch3.htm)

[Schedule 4 – Valuation Report](ea024824301_ex99-9sch4.htm)

[99.10 - Third Party Due Diligence Report – Mission Global, LLC Narrative](ea024824301_ex99-10.htm)

[Schedule 1 – Data Compare Report](ea024824301_ex99-10sch1.htm)

[Schedule 2 – Rating Agency Grades Detail](ea024824301_ex99-10sch2.htm)

[Schedule 3 – Rating Agency Grades Summary](ea024824301_ex99-10sch3.htm)

[Schedule 4 – Valuation Report](ea024824301_ex99-10sch4.htm)

[Schedule 5 – Business Purpose Report](ea024824301_ex99-10sch5.htm)

[99.11 - Third Party Due Diligence Report – Selene Diligence LLC Narrative](ea024824301_ex99-11.htm)

[Schedule 1 – Data Compare Report](ea024824301_ex99-11sch1.htm)

[Schedule 2 – RA Grades Summary Report](ea024824301_ex99-11sch2.htm)

[Schedule 3 – Standard Findings Report](ea024824301_ex99-11sch3.htm)

[Schedule 4 – Valuation Report](ea024824301_ex99-11sch4.htm)

[Schedule 5 – Business Purpose Report](ea024824301_ex99-11sch5.htm)

[99.12 - Third Party Due Diligence Report – AMC Diligence LLC Narrative](ea024824301_ex99-12.htm)

[Schedule 1 – Data Compare Report](ea024824301_ex99-12sch1.htm)

[Schedule 2 – Exception Grades Report](ea024824301_ex99-12sch2.htm)

[Schedule 3 – Rating Agency Grades Report](ea024824301_ex99-12sch3.htm)

[Schedule 4 – Valuation Report](ea024824301_ex99-12sch4.htm)

[99.13 - Third Party Due Diligence Report – Covius Real Estate Services, LLC Narrative](ea024824301_ex99-13.htm)

[Schedule 1 – ATR QM Report](ea024824301_ex99-13sch1.htm)

[Schedule 2 – Exceptions Report](ea024824301_ex99-13sch2.htm)

[Schedule 3 – Grades Report](ea024824301_ex99-13sch3.htm)

[Schedule 4 – Valuation Report](ea024824301_ex99-13sch4.htm)

[Schedule 5 – Tape Compare Report](ea024824301_ex99-13sch5.htm)

[99.14 - Third Party Due Diligence Report – The StoneHill Group, Inc. Narrative](ea024824301_ex99-14.htm)

[Schedule 1 – ATR QM Report](ea024824301_ex99-14sch1.htm)

[Schedule 2 – Rating Agency Grades Detail Report](ea024824301_ex99-14sch2.htm)

[Schedule 3 – Rating Agency Grades Summary Report](ea024824301_ex99-14sch3.htm)

[Schedule 4 – Valuation Report](ea024824301_ex99-14sch4.htm)

[Schedule 5 – Data Compare Report](ea024824301_ex99-14sch5.htm)

[99.15 - Third Party Due Diligence Report – Opus Capital Markets Consultants, Inc. Narrative](ea024824301_ex99-15.htm)

[Schedule 1 – LM ATR QM Report](ea024824301_ex99-15sch1.htm)

[Schedule 2 – LM Business Purpose Report](ea024824301_ex99-15sch2.htm)

[Schedule 3 – LM Data Compare](ea024824301_ex99-15sch3.htm)

[Schedule 4 – LM Rating Agency Grades](ea024824301_ex99-15sch4.htm)

[Schedule 5 – LM Valuation Report](ea024824301_ex99-15sch5.htm)

[Schedule 6 – LM Standard Findings Report](ea024824301_ex99-15sch6.htm)

[Schedule 7 – Paragon ATR Report](ea024824301_ex99-15sch7.htm)

[Schedule 8 – Paragon Data Compare](ea024824301_ex99-15sch8.htm)

[Schedule 9 – Paragon Exception Report](ea024824301_ex99-15sch9.htm)

[Schedule 10 – Paragon Rating Agency Grades](ea024824301_ex99-15sch10.htm)

[Schedule 11 – Paragon Valuation Report](ea024824301_ex99-15sch11.htm)

## Exhibit 99.1

**Exhibit 99.1**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of PRPM 2025-NQM3, LLC (the "Client"). The review included a total of 88 newly originated residential mortgage loans, in connection with the securitization identified as PRPM 2025-NQM3 (the "Securitization"). The Review was conducted from November 2021 through April 2025 on mortgage loans originated between October 2021 and April 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM
or ATR Validation / Review of 8 Key Underwriting Factors

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate funds required to close, required reserves

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm program, qualifying rate, terms

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate all concurrent loans are included in the DTI to properly assess
the ability to repay

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate subject loan monthly payment (PITI) and associated obligations

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate debt-to-income ratio (DTI) based upon income and debt documentation
provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Documentation meets Appendix Q requirements for QM Loans

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review credit report for credit history and required credit depth including
any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determine representative credit score from credit report

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;j. General
QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing
for First Lien Loans:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing
for Subordinate Lien Loans:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing
for Manufactured Homes:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's current or reasonably expected income or assets (other than the value of the dwelling
that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification of Income and Assets:

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

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

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

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

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

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

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

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

**Compliance Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID
Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by
TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine whether specified federal disclosures were provided timely based upon comparison of the application
date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the correct Right of Rescission document was executed for the transaction
type

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

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

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

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

**Valuation Review**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;b. Review appraisal, determination that property is completely constructed and appraisal is on an "as
is basis," or property is identified as not completely constructed by originating appraiser.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure that the appraisal conforms to the guidelines provided from the Clients.

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;l. Where applicable, determine if the file did not contain the appraisal or other valuation method and a
review could not be performed.

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

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

For loans reviewed in a post-close valuation review scenario (88 loans in total):

Zero (0) loans had a Secondary Appraisal, zero (0) loans had AVMs, and seventy-three (73) loans had a Desktop Review.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were zero (0) occurrences of this.

Zero (0) loans had a Field Review or BPO, four (4) loans had a Second Desk Review, and zero (0) loans had a Full Appraisal Review.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 88 mortgage loans reviewed, thirty-three (33) unique mortgage loans (37.50% by loan count) had a total of fifty-eight (58) tape discrepancies across nineteen (19) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy <br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;20.69% |
| &nbsp;&nbsp;Closing Date | &nbsp;&nbsp;10 | &nbsp;&nbsp;17.24% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;5 | &nbsp;&nbsp;8.62% |
| &nbsp;&nbsp;Original Collateral Value Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;6.90% |
| &nbsp;&nbsp;Credit QM/ATR Designation | &nbsp;&nbsp;4 | &nbsp;&nbsp;6.90% |
| &nbsp;&nbsp;Most Recent FICO Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.17% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.17% |
| &nbsp;&nbsp;Original PITI Payment | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;Original Collateral Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;Originator DTI | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;As-Is Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;Number Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.72% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**58** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 83 | $41205199.00 | 94.32% |
| Event Grade B | 5 | $1453666.00 | 5.68% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 88 | $42658865.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 86 | 97.73% |
| Event Grade B | 2 | 2.27% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 88 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 18 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 18 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 18 loans within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 65 | 92.86% |
| Event Grade B | 5 | 7.14% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 70 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 88 | 100.00% |
| Event Grade B | 0 | 0.00% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 88 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception<br> Level<br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;57 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets all applicable guidelines | &nbsp;&nbsp;13 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Insufficient cash to close. | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Liquid Reserves are less than Guidelines Required | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Income Verification does not match Approval | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Employment Verification does not meet guidelines | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;$171,545.64 assets < $174,530.32 minimum assets required. | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset General | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Employment Verification Level is missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing quit-claim deed from United Minds 1 LLC to Brenda Yesenia Ramirez Ramirez to show sufficient chain of title for subject property. | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; Credit |  | &nbsp;&nbsp;Missing Taxpayer First Act Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit |  | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit |  | &nbsp;&nbsp;$25,099.96 assets < $32,698.68 minimum assets required for 12 months reserves. Mortgage being paid off is not reporting on the credit report, and cancelled checks/ACH transaction history is not available. Per section 8.7.5 of UWG, cash-out is ineligible. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit |  | &nbsp;&nbsp;Qualifying DTI exceeds Guideline Maximum Allowable | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit |  | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit |  | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit |  | &nbsp;&nbsp;Overdraft/NSF Count Exceeds Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit |  | &nbsp;&nbsp;DSCR is less than guideline minimum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit |  | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit |  | &nbsp;&nbsp;Final Loan Application is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit |  | &nbsp;&nbsp;Unresolved derogatory credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit |  | &nbsp;&nbsp;Flood Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit |  | &nbsp;&nbsp;Fully Executed Purchase Contract is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***100*** |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Underwriting FICO does not meet Guideline Minimum Required | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Liquid Reserves are less than Guidelines Required | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;57 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;6 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Loan Estimate | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Safe Harbor Threshold | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Lending Policy Points and Fees Test | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; Compliance |  | &nbsp;&nbsp;MD Credit Regulations Mortgage Loan DTI Provided Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance |  | &nbsp;&nbsp;Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance |  | &nbsp;&nbsp;Late Fees Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance |  | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance |  | &nbsp;&nbsp;Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp; Compliance |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***73*** |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Higher-Priced Mortgage Loan | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp; Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing lease agreement for both units of subject property located at 373-377 Tradewind Ct. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***21*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 131990 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/15/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 131999 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/05/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 131999 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/05/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 133020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to the increase of the credit report fee. The COC in file didnt contain a valid reason for the increase This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Document Uploaded. Please note the invoices for credit were dated XX/XX/XXXX same day our initial CD was issued. Document Uploaded. Please note the invoices for credit were dated XX/XX/XXXX same day our initial CD was issued. Document Uploaded. Please note the invoices for credit were dated XX/XX/XXXX same day our initial CD was issued. Document Uploaded. Please note the invoices for credit were dated XX/XX/XXXX same day our initial CD was issued. Document Uploaded. Please note the invoices for credit were dated XX/XX/XXXX same day our initial CD was issued. Cure package provided to the borrower; Exception downgraded to a 2/B |  |  | COC provided was in original file and deemed invalid due to lack of reason for the increase in the Credit Report Fee. Please provide cure package. | 03/31/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | D | B D C A | D C A | D C A | D C A | D C A | D B A | B A | B A | B A | B A | B |
| 133020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | FCRE3472 | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. The borrower's XXX months bank Statements used for income qualification reflect XXX NSFs throughout the year. Lender has provided an LOX from the borrower explaining the reasons for XXX of the overdrafts. Lender GLs (section XXX) require scrutiny of any NSF occurrences in the last XXX months and may cause the loan to be deemed ineligible. LOX should explain all occurrences and plans to rectify the reason for the occurrences. | Document Uploaded. This is a typo and the month where they have XXX it was all on the same date so its counted as XXX. Attached is the updated income worksheet. | 03/05/2025 | Overdraft/NSF count within tolerance.; Exception Resolved with uploaded document. | 03/11/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A | D | B D C A | D C A | D C A | D C A | D C A | D B A | B A | B A | B A | B A | B |
| 133020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/21/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 03/11/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | D | B D C A | D C A | D C A | D C A | D C A | D B A | B A | B A | B A | B A | B |
| 133020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | FCOM1252 | Compliance | TRID: Missing Loan Estimate | Documentation Required: The file is missing any and all LE's. | Document Uploaded. | 02/24/2025 | initial LE provided; exception resolved | 02/25/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C | D | B D C A | D C A | D C A | D C A | D C A | D B A | B A | B A | B A | B A | B |
| 133020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. D A C | D | B D C A | D C A | D C A | D C A | D C A | D B A | B A | B A | B A | B A | B |
| 134005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/14/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 03/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 134005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 134005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | A | A | A | A | A | A | A | A | A | A | A | A |
| 132992 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 132992 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 132992 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 133983 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant. This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 03/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 133983 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No Credit Findings. The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 133983 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | No Property Findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 134011 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 134011 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 134011 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 139280 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 139280 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 139280 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 139293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Please provide the fully completed unmarried addendum to the Final 1003. In addition, there are discrepancies throughout the file on the borrower's marital status. The title and warranty deed indicates the borrower is married to XXX. The deed of trust and Final 1003 indicate the borrower is married with no dependents. Please provide clarification and/or correction. | Document Uploaded. | 04/23/2025 | The Final 1003 is Present; LOE provided | 04/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 139293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2025 | Resolved | FCOM3592 | Credit | Missing Taxpayer First Act Disclosure | Taxpayer First Act Disclosure is missing. | This is only required on a Full Doc, which this is not. Thank you | 04/16/2025 | Taxpayer First Act Disclosure is provided | 04/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 139293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2025 | Resolved | FCRE6843 | Credit | Asset General | Please provide an access letter from XXX for the XXX #XXX-XXX and Checking #XXX-XXX accounts. | Document Uploaded. | 04/23/2025 | Access letter provided | 04/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 139293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Lender credit decreased from $XXX on LE dated XX/XX/XXXX to $XXX on initial CD. The COC in file for the lock indicates the lender credit was added but no COC provided for the removal of the lender credit. Cure package requires a PCCD, LOE, copy of check and proof of delivery or a valid COC. | Document Uploaded. | 04/16/2025 | Valid COC provided; exception resolved | 04/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 139293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 139309 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 04/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 139309 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 139309 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 139279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established escrows and appraisal requirements have been met. HPML Downgraded |  |  | HPML compliant | 04/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 139279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due the increase in the appraisal fee and addition of transfer taxes on the initial CD. The COC in file did not give a valid reason for the changes to the fees This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Document Uploaded. Cure package attached for the $XXX. TY; Please advise where the transfer taxes are on the initial CD? This is a refinance transaction, and we do not see transfer taxes listed. Working on the appraisal fee. THANK YOU!! | 04/30/2025 | Cure package provided to borrower; Exception downgraded to a 2/B; pg XXX & XXX shows city/county $XXX and State tax stamps $XXX which are tested under transfer taxes as a XXX% tolerance fees | 04/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 139279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 139279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 139295 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 139295 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 139295 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 139310 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 139310 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 139310 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 139283 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 139283 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 139283 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 139296 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 139296 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 139296 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 04/21/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/17/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/17/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/01/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/01/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138472 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138472 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138465 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/16/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138562 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138562 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138615 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/11/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 138615 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/11/2022 | Resolved |  | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. Approval reflects income from co-borrower and loan was not closed with coborrower. Additionally, deposits for retail returns and recurring deposits from XXX Employment in the amounts of $XXX, $XXX and $XXX were not excluded as business earnings. | Client provided updated documentation. |  | The borrower income verification does match approval |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years C A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 138529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/01/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/01/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/31/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/31/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138480 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138480 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/26/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/20/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/05/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138460 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138460 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138628 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138628 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/21/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138471 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/01/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138471 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/01/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138461 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138606 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/08/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138606 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/08/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138458 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/09/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138609 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138609 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138611 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/28/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138611 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/28/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138654 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/28/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 138654 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/28/2022 | Resolved |  | Compliance | Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure | Original PI Payment on Note matches Final CD From Hard Coded form in template: 'Closing Disclosure' at XX/XX/XXXX; Original PI Payment on Note matches Final CD; Original PI Payment on Note matches Final CD From Hard Coded form in template: 'Closing Disclosure' at XX/XX/XXXX | Exception cleared during QC. |  | Original PI Payment on Note matches Final CD; From Hard Coded form in template:; 'Closing Disclosure' at XX/XX/XXXX; Original PI Payment on Note matches Final CD |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Borrower has stable job time - Borrower has XXX years at job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 138514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138605 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/07/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138605 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/07/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138479 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138479 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/18/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138657 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/22/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138657 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/22/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 138481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2022 | Resolved |  | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of - XXX months or $-XXX, are less than the Guidelines minimum required of XXX or $XXX.; The liquid reserves of XXX months or $XXX, is greater than or equal to the Guidelines minimum required of XXX or $XXX. |  |  | The liquid reserves of XXX months or $XXX, is greater than or equal to the Guidelines minimum required of XXX or $XXX.; The liquid reserves of XXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXX. | 3/23/2022 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 138656 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/22/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138656 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/22/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138651 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/07/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138651 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/07/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138581 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138581 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/25/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138478 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/23/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138478 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 03/23/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138632 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138632 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. D A | A | A C | A D | A C | A D | A D | A | A | A | A | A | A |
| 138463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/24/2022 | Resolved |  | Credit | Flood Insurance Policy is Missing | The flood insurance policy is Missing | Client provided flood policy. | 3/31/2022 | The flood insurance policy is Present | 3/31/2022 | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. D A | A | A C | A D | A C | A D | A D | A | A | A | A | A | A |
| 138494 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138494 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/18/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/14/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138587 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138587 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/21/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/26/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 04/26/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/21/2022 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 03/21/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/23/2022 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 03/23/2022 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.; Borrower has more than XXX years at current residence - Borrower at current residence XXX years A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/02/2021 | Resolved |  | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 11/02/2021 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 138640 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2021 | Resolved |  | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 11/04/2021 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 132465 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 01/14/2025 | Resolved | 8242727240 | Property | Missing lease agreement for both units of subject property located at XXX. | Please review uploaded leases and addendum. |  | 20250121 | XX/XX/XXXX: Received lease agreements | 1/21/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 134030 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/25/2025 | Resolved | 2501145378-1 | Credit | The loan meets all applicable guidelines | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 133979 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/26/2025 | Resolved | 2501145584-1 | Credit | The loan meets all applicable guidelines | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 134014 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/28/2025 | Resolved | 2501145539-1 | Credit | The loan meets all applicable guidelines | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 135006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/28/2025 | Resolved | 2501145196-1 | Credit | The loan meets all applicable guidelines | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 134029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 02/28/2025 | Resolved | 2501145353-1 | Credit | The loan meets all applicable guidelines | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 134022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/03/2025 | Resolved | 8609330759 | Credit | $XXX assets < $XXX minimum assets required. | Uploaded |  | 20250305 | XX/XX/XXXX: Received updated assets. | 3/6/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 133969 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/03/2025 | Resolved | 2411137829-1 | Credit | The loan meets all applicable guidelines | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 133985 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/05/2025 | Resolved | 2501144132-1 | Credit | The loan meets all applicable guidelines | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 134012 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/13/2025 | Resolved | 2501145528-1 | Credit | The loan meets all applicable guidelines | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 133025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/13/2025 | Resolved | 2501144429-1 | Credit | The loan meets all applicable guidelines | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 134020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/17/2025 | Resolved | 8715631260 | Credit | Missing quit-claim deed from XXX to XXX to show sufficient chain of title for subject property. | Requested doc uploaded |  | 20250318 | XX/XX/XXXX: Received conveyance deed. | 3/19/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 133992 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/17/2025 | Resolved | 2501145727-1 | Credit | The loan meets all applicable guidelines | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 133977 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/19/2025 | Resolved | 2501144269-1 | Credit | The loan meets all applicable guidelines | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 134007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 03/19/2025 | Resolved | 8735747219 | Credit | $XXX assets < $XXX minimum assets required for XXX months reserves. Mortgage being paid off is not reporting on the credit report, and cancelled checks/ACH transaction history is not available. Per section XXX of UWG, cash-out is ineligible. | Hi, please see attached with UW response. Per Matrix on XX/XX/XXXX, only XXX months is required and we have XXX months. |  | 20250321 | XX/XX/XXXX: Received clarification that VOM can be accepted, assets are sufficient. | 3/24/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 139287 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/08/2025 | Resolved | 2503150749-1 | Credit | The loan meets all applicable guidelines | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 139277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 04/24/2025 | Resolved | 2503152193-1 | Credit | The loan meets all applicable guidelines | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 135707 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM Exempt | Loan Review Complete | 08/29/2024 | Resolved | 92010162619-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 135552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2023 | Resolved | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A | D | A C | C D A | D C A | C D A | D C A | D A | A | A | A | A | A |
| 135552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2023 | Resolved | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A | D | A C | C D A | D C A | C D A | D C A | D A | A | A | A | A | A |
| 135552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2023 | Resolved | 2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. Loan not delivered as a No Ratio DSCR (minimum.XXX) so minimum ratio is XXX. Subject Comparable Rent Schedule $XXX / PITI $XXX. |  |  | Qualifying DSCR of XXX meets guideline requirement. | 09/28/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A | D | A C | C D A | D C A | C D A | D C A | D A | A | A | A | A | A |
| 135552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2023 | Resolved | 2095 | Credit | Insufficient cash to close. | Cash to close in the amount of $XXX is greater than the available asset amount of $XXX. The only verifiable assets are $XXX from XXX #XXX (XX/XX/XXXX). The account is business checking for XXX and proof that borrower is the owner was provided. Unable to utilize funds from XXX #XXX (XXX) or XXX #XXX (XXX) as no proof provided that borrower is owner or has access to these funds/accounts. | XX/XX/XXXX - Proof of XXX% ownership provided for Community Improvement as well as XXX% ownership for XXX provided. | 09/22/2023 | Sufficient cash to close is documented; exception resolved. | 09/22/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A | D | A C | C D A | D C A | C D A | D C A | D A | A | A | A | A | A |
| 135552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2023 | Resolved | 1228 | Compliance | eSigned Documents Consent is Missing | The eSigned documents consent is missing. | XX/XX/XXXX - Esign doc consent provided | 09/22/2023 | The eSigned documents consent is Present; exception resolved. | 09/22/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A | D | A C | C D A | D C A | C D A | D C A | D A | A | A | A | A | A |
| 135552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2023 | Resolved | 1462 | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of - XXX months or $-XXX are less than the Guidelines minimum required of XXX or $XXX. The only verifiable assets are $XXX from XXX #XXX (XX/XX/XXXX). The account is business checking for XXX and proof that borrower is the owner was provided. Unable to utilize funds from XXX #XXX (XXX) or XXX #XXX (XXX) as no proof provided that borrower is owner or has access to these funds/accounts. | XX/XX/XXXX - Proof of XXX% ownership provided for Community Improvement as well as XXX% ownership for XXX provided. | 09/22/2023 | The liquid reserves of XXX months or $XXX, is greater than or equal to the Guidelines minimum required of XXX or $XXX; exception resolved. | 09/22/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years D A | D | A C | C D A | D C A | C D A | D C A | D A | A | A | A | A | A |
| 135610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2023 | Resolved | 1257 | Credit | Borrower Employment Verification does not meet guidelines | Please provide Self-Employment Business Narrative, Questionnaire, and Certification document. | XX/XX/XXXX - Self Employment Business Narrative and documentation provided | 10/19/2023 | The exception 'Borrower Employment Verification does not meet guidelines' is cleared; exception resolved. | 10/19/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A | A | A C | A D | A C | A D | A D | A | A | A | A | A | A |
| 135610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2023 | Resolved | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | MISSING MORTGAGE, Hazard Insurance, and Property tax documents for the following REOs: XXX. | XX/XX/XXXX - REO documentation provided | 10/20/2023 | Borrower liabilities verified indicator is Present; exception resolved. | 10/20/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A | A | A C | A D | A C | A D | A D | A | A | A | A | A | A |
| 135610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2023 | Resolved | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. Program Information document in loan file reflects Doc Type of Alt Doc - XXX Month; however only XXX months bank Statement were provided. Also Missing the XX/XX/XXXX Bank Statement that the lender included in the qualifying income calculations. | XX/XX/XXXX - Updated bank Statement calculations and XX/XX/XXXX Statement provided | 10/20/2023 | The borrower income verification does match approval; exception resolved. | 10/20/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A | A | A C | A D | A C | A D | A D | A | A | A | A | A | A |
| 135610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/25/2023 | Resolved | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. ; The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A | A | A C | A D | A C | A D | A D | A | A | A | A | A | A |
| 135610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2023 | Resolved | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A | A | A C | A D | A C | A D | A D | A | A | A | A | A | A |
| 135574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2023 | Resolved | 1261 | Credit | Borrower Income Verification does not match Approval | Please provide the XXX Business Narrative/Questionnaire, as required per Section XXX of the guidelines. Needed to validate the expense factor and business-related deposits. File was also missing the Lender's Business Bank Statement calculations. | XX/XX/XXXX - Business Bank Statement calculations provided. Still missing XXX Business Narrative; exception remains.; ; XXX - XXX Business Narrative provided | 10/16/2023 | The borrower income verification does match approval; exception resolved. | 10/19/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 135574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2023 | Resolved | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 135574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2023 | Resolved | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 135574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2023 | Resolved | 2110 | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | XXX Audit DTI of XXX% exceeds guideline maximum of XXX% for Alt Doc loan. Variance in DTI (Lender = XXX%) due to the PITI for XXX REO. Lender amount was $XXX per Final 1003. VOM in file reflects a payment of $XXX. | XX/XX/XXXX - Updated payment information for property at XXX provided | 10/16/2023 | Documentation provided to support Qualifying DTI below XXX; exception resolved. | 10/16/2023 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 135544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2024 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 09/30/2024 | Evidence of eConsent is provided. | 10/04/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 135544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2024 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Asset balance of $XXX acct# XXX is not allowed due to borrower is not XXX% owner of business. Per Asset Documentation guidelines - When the borrower is not the sole owner of the account, the transaction must be acknowledged and borrower's access to the funds must be documented via one of the following: A letter signed and dated by all non-borrowing owners of the business (not required when the spouse is the only other owner) , or A letter signed and dated by the CFO or Board of Directors, or Evidence of the borrower's access to the funds via the Operating Agreement. Please provide one of the following to meet reserves. Asset balances were also not allowed for XXX acct# XXX and XXX acct# XXX due to Missing Access letters from non-borrowing account holders. | Document Uploaded. | 09/30/2024 | Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. | 10/04/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 135544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2024 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide the property tax amount, HOA dues and evidence the property is owned free and clear for XXX | Document Uploaded. ; Document Uploaded. | 10/03/2024 | Additional documentation provided; Exception Resolved.; Additional documentation provided; Exception Remains. Still missing evidence REO XXX is owned Free and Clear. Please provide Property Detail Report. | 10/04/2024 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 135544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A | B | A D | B D A | B D A | B D A | B D A | B A | A | A | A | A | A |
| 131988 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/15/2023 | Resolved | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines.; The loan meets all applicable credit guidelines. |  |  | The exception 'No Credit Findings' is cleared. | 11/15/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 131988 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/15/2023 | Resolved | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 11/15/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 131988 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/15/2023 | Resolved | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. ; The loan is in compliance with all applicable laws and regulations. |  |  | The exception 'No Compliance Findings' is cleared. | 11/15/2023 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 131956 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/21/2023 | Resolved | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 11/21/2023 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 131956 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/28/2023 | Resolved | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  | 11/28/2023 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 131956 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/28/2023 | Resolved | 3782 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  | 11/28/2023 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 135545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/17/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a) (XXX)) The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; HPML loan with establish escrows met appraisal requirements | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.; Acknowledged per client request – XX/XX/XXXX | 12/15/2022 |  | 12/15/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C D A | C A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 135545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/19/2022 | Cleared | 3499 | Credit | Unresolved derogatory credit | Borrower has unresolved derogatory credit. ; Received LOX with letter from UW and Guideline requirements. UW manager - the derog credit is a utility account and utilities are not used for determine DTI. Exception cleared. ; Section XXX of the XXX Portfolio Program Guidelines dated XX/XX/XXXX indicates no collection accounts are allowed in the past XXX (XXX) years. Credit report comparison verifies XXX collection account opened XX/XX/XXXX with balance of $XXX and original creditor listed as XXX. | Change status of 'Unresolved derogatory credit' from Active to Open Rebuttal.; Received LOX with letter from UW and Guideline requirements. UW manager - the derog credit is a utility account and utilities are not used for determine DTI. Exception cleared. ; Section XXX of the XXX Portfolio Program Guidelines dated XX/XX/XXXX indicates no collection accounts are allowed in the past XXX (XXX) years. Credit report comparison verifies XXX collection account opened XX/XX/XXXX with balance of $XXX and original creditor listed as XXX. | 11/29/2022 | Borrower has no unresolved derogatory credit. ; Received LOX with letter from UW and Guideline requirements. UW manager - the derog credit is a utility account and utilities are not used for determine DTI. Exception cleared. | 11/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C D A | C A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 135545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/14/2022 | Cleared | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines.; Received LOX with copy of updated XXX. Residency history follows for XXX. Have checks payable to XXX - documents show this is XXX business - XXX-Rent is in the memo of the checks. XX/XX/XXXX was a cash payment. Residency is: XXX prior to XX/XX/XXXX - owned free & clear; XX/XX/XXXX - XX/XX/XXXX to XX/XX/XXXX; XXX - XX/XX/XXXX to XX/XX/XXXX. Received cleared checks and SiteX form. At least XXX full months are confirmed. Exception cleared. ; Section XXX of the XXX Portfolio Program Guidelines dated XX/XX/XXXX States first-time home buyers are "Allowed with a XXX (XXX) month residential pay history verified by cancelled checks. A VOR is not allowed. Provide lease agreement for previous residence, XXX, to verify rent amount and method of rent payment. Cancelled checks (pages XXX-XXX) may be for rent; however, unable to verify without lease agreement for previous residence. Letter of explanation (page XXX) verifies accurate residential address history. | Change status of 'Housing history does not meet guidelines' from Active to Open Rebuttal.; Received LOX with copy of updated XXX. Residency history follows for XXX. Have checks payable to XXX - documents show this is XXX business - XXX-Rent is in the memo of the checks. mber XXX was a cash payment. Residency is: ; XXX prior to XX/XX/XXXX - owned free & clear; XXX - XX/XX/XXXX to XX/XX/XXXX; XXX - XX/XX/XXXX to XX/XX/XXXX. Received cleared checks and SiteX form provided. At least XXX full months are confirmed. Exception cleared. ; Section XXX of the XXX Portfolio Program Guidelines dated XX/XX/XXXX States first-time home buyers are "Allowed with a XXX (XXX) month residential pay history verified by cancelled checks. A VOR is not allowed. ; Provide lease agreement for previous residence, XXX, to verify rent amount and method of rent payment.; Cancelled checks (pages XXX-XXX) may be for rent; however, unable to verify without lease agreement for previous residence.; Letter of explanation (page XXX) verifies accurate residential address history. | 11/21/2022 | Housing delinquency meets guidelines.; Received LOX with copy of updated XXX. Residency history follows for XXX. Have checks payable to XXX - documents show this is XXX business - XXX-Rent is in the memo of the checks. XX/XX/XXXX was a cash payment. Residency is: ; XXX chasse prior to XX/XX/XXXX - owned free & clear; XXX - XX/XX/XXXX to XX/XX/XXXX; XXX XX/XX/XXXX - XX/XX/XXXX to XX/XX/XXXX. Received cleared checks and SiteX form. At least XXX full months are confirmed. Exception cleared. | 11/21/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C D A | C A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 135545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/20/2022 | Cleared | 2095 | Credit | Insufficient cash to close. | Cash to close in the amount of XXX is greater than the available asset amount of XXX. Per guidelines, assets must be sourced and seasoned for XXX days. ; Cash to close in the amount of XXX is greater than the available asset amount of XXX.; Received LOX - reviewed Bank Statements and confirmed sourced and seasoned for at least XXX days. Updating loan accordingly. |  |  | Sufficient cash to close is documented.; Sufficient cash to close is documented. | 11/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C D A | C A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 135545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/20/2022 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | XXX search (page XXX) reflects XXX as the only Member (not our BR). XXX search (page XXX) shows XXX as only officer with title of Member. Tax preparer letter (page XXX) States Borrower is XXX% owner of XXX; however, the letter is not dated. Provide dated tax preparer letter. Provide fully executed Operating Agreement for XXX to verify all Members of LLC and their percentage of ownership.; Received LOX from Accounting firm with email - Verify that XXX has XXX% ownership. This information came directly from XXX which he communicated to our firm in order fo us to draft the letter. I do not have the Articles of Incorporation, you may want to reach out to XXX in order to obtain this. We can proceed with CPA letter confirming percentage of ownership. Exception cleared. | Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Open Rebuttal.; Received LOX from Accounting firm with email - Verify that XXX has XXX% ownership. This information came directly from XXX which he communicated to our firm in order fo us to draft the letter. I do not have the Articles of Incorporation, you may want to reach out to XXX in order to obtain this. We can proceed with CPA letter confirming percentage of ownership. Exception cleared. | 11/21/2022 | The exception 'Borrower Employment Verification does not meet guidelines' is cleared.; Received LOX from Accounting firm with email - Verify that XXX has XXX% ownership. This information came directly from XXX which he communicated to our firm in order fo us to draft the letter. I do not have the Articles of Incorporation, you may want to reach out to XXX in order to obtain this. We can proceed with CPA letter confirming percentage of ownership. Exception cleared. | 11/21/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C D A | C A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 135545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/20/2022 | Cleared | 1315 | Credit | Fully Executed Purchase Contract is Partial | The fully executed purchase contract is Partial; Provide Exhibit C- Estimate of Purchaser's Net Proceeds listed in item #XXX of purchase agreement. Provide change orders #XXX-XXX. File contains change order #XXX and #XXX (pages XXX and XXX). If there were change orders after #XXX, also provide. Provide addendum or change order extending closing date to XX/XX/XXXX.; Received copies of Change Orders and Estimate of Purchaser's Net Proceeds list. Reviewed the documentation - confirmed. Exception cleared. | Change status of 'Fully Executed Purchase Contract is Partial' from Active to Open Rebuttal.; Received copies of Change Orders and Estimate of Purchaser's Net Proceeds list. Reviewed the documentation - confirmed. Exception cleared. ; Provide Exhibit C- Estimate of Purchaser's Net Proceeds listed in item #XXX of purchase agreement. ; Provide change orders #XXX-XXX. File contains change order #XXX and #XXX (pages XXX and XXX). If there were change orders after #XXX, also provide. ; Provide addendum or change order extending closing date to XX/XX/XXXX. | 11/29/2022 | The fully executed purchase contract is Present; Received copies of Change Orders and Estimate of Purchaser's Net Proceeds list. Reviewed the documentation - confirmed. Exception cleared. | 11/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C D A | C A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 135545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/20/2022 | Cleared | 1462 | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of - XXX months or $-XXX, are less than the Guidelines minimum required of XXX or $XXX.; The liquid reserves of - XXX months or $-XXX, are less than the Guidelines minimum required of XXX or $XXX. Per guidelines, assets must be sourced and seasoned for XXX days. ; Received LOX - reviewed Bank Statements and confirmed sourced and seasoned for at least XXX days. Updating loan accordingly. | Change status of 'Liquid Reserves are less than Guidelines Required' from Cleared to Open Rebuttal.; Received LOX - reviewed Bank Statements and confirmed sourced and seasoned for at least XXX days. Updating loan accordingly. | 11/29/2022 | The liquid reserves of XXX months or $XXX, is greater than or equal to the Guidelines minimum required of XXX or $XXX.; The liquid reserves of XXX months or $XXX, is greater than or equal to the Guidelines minimum required of XXX or $XXX. | 11/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C D A | C A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 135545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/17/2022 | Cleared | -96648 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXX(a) (XXX)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XXX CFR §XXX, some lenders and secondary market XXXs may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | Change status of 'Higher-Priced Mortgage Loan Test' from Active to Revoked.; Duplicate finding | 10/17/2022 | This compliance test 'Higher-Priced Mortgage Loan Test' is no longer tested | 12/05/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C D A | C A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 135545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/17/2022 | Cleared | -96570 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XXX CFR §XXX(b) (XXX) , (e) (XXX)) This loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. | Change status of 'Qualified Mortgage Safe Harbor Threshold' from Active to Revoked.; Non QM | 10/17/2022 | This compliance test 'Qualified Mortgage Safe Harbor Threshold' is no longer tested | 12/05/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C D A | C A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 135545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/17/2022 | Cleared | -96200 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX/XX/XXXX.XXX(e) (XXX)) The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX. | Change status of 'Qualified Mortgage Lending Policy Points and Fees Test' from Active to Revoked.; Non QM | 10/17/2022 | This compliance test 'Qualified Mortgage Lending Policy Points and Fees Test' is no longer tested | 12/05/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C D A | C A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 135545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/17/2022 | Cleared | -99944 | Compliance | Late Fees Test | This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the State where the property is located.For loans with a date creditor received application before XX/XX/XXXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars ($XXX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (XXX §XXX-XXX-XXX(a)) For loans with a date creditor received application on or after XX/XX/XXXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars ($XXX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (XXX §XXX-XXX-XXX(a)) PLEASE NOTE: Certain States impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.; Lender provided copy of CD citing page XXX. Re-reviewed the CD and Note and it shows Lesser of two - not to max $XXX. Updated loan accordingly. | Change status of 'Late Fees Test' from Active to Open Rebuttal.; Lender provided copy of CD citing page XXX. Re-reviewed the CD and Note and it shows Lesser of two - not to max $XXX. Updated loan accordingly. ; Lender provided copy of CD citing page XXX. Re-reviewed the CD and Note and it shows Lesser of two - not to max $XXX. Updated loan accordingly. | 12/05/2022 | This loan passed the late fees test.The loan has late fees that conform to the requirements for the lender's license type in the State where the property is located.For loans with a date creditor received application before XX/XX/XXXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of XXX dollars ($XXX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (XXX §XXX-XXX-XXX(a)) For loans with a date creditor received application on or after XX/XX/XXXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars ($XXX) or five percent of the amount of the scheduled payment in default, not to exceed XXX ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (XXX §XXX-XXX-XXX(a)) PLEASE NOTE: Certain States impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. | 12/05/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C D A | C A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 135545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/19/2022 | Acknowledged | 894 | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX.; Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX as per guides for LTV/CLTV of XXX%. | Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Acknowledged by Client.; Received CRSE - Credit: Credit Score < LTV requirements - For XXX% LTV FICO Mini is XXX. Compensating Factors : Credit History - 0x30-last XXX months; DTI - XXX% (Housing Ratio) or XXX% (Total) ; Residual Income of $XXX; Borrower with same Employer/Business for XXX years. Acknowledged by client. | 12/09/2022 | Underwriting FICO of ___ is greater than or equql to the minimum required guideline FICO of XXX. | 10/19/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C D A | C A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 135545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/19/2022 | Cleared | 2571 | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Provide updated Final 1003 with accurate address history for Borrower as verified by letter of explanation (page XXX).; Received updated XXX showing changes to bororwer's address history. Exception cleared. | Change status of 'Final Loan Application is Partial' from Active to Open Rebuttal.; Received updated XXX showing changes to bororwer's address history. Exception cleared. ; Provide updated Final 1003 with accurate address history for Borrower as verified by letter of explanation (page XXX). | 11/29/2022 | Final Loan Application is Present; Received updated XXX showing changes to bororwer's address history. Exception cleared. | 11/29/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C D A | C A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 135719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2022 | Cleared | 2095 | Credit | Insufficient cash to close. | Cash to close in the amount of XXX is greater than the available asset amount of XXX. | Change status of 'Insufficient cash to close.' from Cleared to Revoked.; fired in error | 12/05/2022 | Sufficient cash to close is documented.; Sufficient cash to close is documented. | 12/05/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 135719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/15/2022 | Acknowledged | -96658 | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XXX CFR §XXX(a) (XXX)) The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XX/XX/XXXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXX%) by XXX% or more.; Loan is HPML. Escrow and appraisal requirements met. | Change status of 'Higher-Priced Mortgage Loan' from Active to Acknowledged by Client.;. | 12/09/2022 |  | 12/09/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 135719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/05/2022 | Acknowledged | 1462 | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of XXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXX. | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.; Received CRSE - Assets:Reserves:Requirements not met. Have XXX mos reserves while guides call for XXX months. Compensating Factors : Qualifying Credit Score is XXX; DTI - XXX% (Housing Ratio) or XXX% (Total) ; Residual Income of $XXX; Borrower with same Employer/Business for XXX years. Acknowledged by client. | 12/05/2022 |  | 12/05/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 135719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2022 | Acknowledged | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Per lender matrix XXX months housing history required, rent free not allowed. Per LOX in file borrower rented for XXX months (evidence of payments in file) prior to this per LOX in file borrower stayed with sister rent free and prior to this borrower rented on a month to month basis evidence of payments of the month to month rent was not provided. | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.; Received CRSE - Credit: Housing history requirements not met. XXX mos lived rent free - due to XXX - act of nature. Compensating Factors : Qualifying Credit Score is XXX; DTI - XXX% (Housing Ratio) or XXX% (Total) ; Residual Income of $XXX; Borrower with same Employer/Business for XXX years. Acknowledged by client. | 12/05/2022 |  | 12/05/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 135719 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2022 | Cleared | 3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: Gift funds of $XXX was provided per LOX in file. A signed Gift letter evidencing donor's relationship to borrower, donor's name, address, and phone number and dollar amount of gift and donoer's Statement that no repayment is expected and subjeect property address was not provided. ; Received LOX indicating the borrowers are not using gift funds and no gift documentatoin is required. Backing out the gift funds the borrower is short cash to close and reserves. | Change status of 'Asset Documents are Incomplete' from Active to Open Rebuttal.; Received LOX indicating the borrowers are not using gift funds and no gift documentatoin is required. Backing out the gift funds the borrower is short cash to close and reserves. | 12/02/2022 | The exception 'Asset Documents are Incomplete' is cleared.; Received LOX indicating the borrowers are not using gift funds and no gift documentatoin is required. Backing out the gift funds the borrower is short cash to close and reserves. | 12/05/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 135739 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/28/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  | 11/28/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - ; Original CLTV is Below the Guideline Maximum - ; Qualifying FICO is Greater than the Guideline Minimum - ; Borrower 1 has significant job time - ; Borrower has more than XXX years at current residence - ; Borrower has stable job time - ; Borrower Years On Job Exceeds XXX Years - A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 135739 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/23/2022 | Cleared | 1061 | Credit | Borrower Employment Verification Level is missing | The borrower employment verification level is Missing; Missing VVOE dated within XXX days of closing. ; Received LOX with a copy of a new Search on XXX dated XX/XX/XXXX. XXX is active. Exception cleared. ; Received LOX with a copy of a new Search on XXX dated XX/XX/XXXX. XXX is active. Exception cleared. | Change status of 'Borrower Employment Verification Level is missing' from Active to Open Rebuttal.; The copy of the business search via XXX confirmed the existence of the borrower's business, however, there was no evidence the business search was completed XXX days prior to close as required per guidelines. The date the document was uploaded is not indicative of the date the license search was performed. Exception remains. ; Missing VVOE dated within XXX days of closing. ; Received LOX with a copy of a new Search on XXX dated XX/XX/XXXX. XXX is active. Exception cleared. | 12/07/2022 | The borrower employment verification level is Level XXX - Verified-direct independent verif w/3rd party; Received LOX with a copy of a new Search on XXX dated XX/XX/XXXX. XXX is active. Exception cleared. | 12/07/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Original LTV is Below the Guideline Maximum - ; Original CLTV is Below the Guideline Maximum - ; Qualifying FICO is Greater than the Guideline Minimum - ; Borrower 1 has significant job time - ; Borrower has more than XXX years at current residence - ; Borrower has stable job time - ; Borrower Years On Job Exceeds XXX Years - A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 135740 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2022 | Cleared | -97600 | Compliance | XXX Credit Regulations Mortgage Loan DTI Provided Test | This loan failed the DTI provided test. (XXX §XXX-XXX, XXX-XXX, XXX-XXX, XXX-XXX) The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was not provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability. PLEASE NOTE: This result is not a determination that the lender or credit grantor analyzed the borrower's ability to repay a mortgage loan based on Chapter XXX (XXX) or Chapter XXX (XXX). See XXX Credit Regulations Repayment Ability Alert (below) for full repayment ability requirements. | Change status of 'XXX Regulations Mortgage Loan DTI Provided Test' from Cleared to Revoked.; Invalid | 11/30/2022 | This loan passed the DTI provided test. (XXX §XXX-XXX, XXX-XXX, XXX-XXX, XXX-XXX) The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability. PLEASE NOTE: This result is not a determination that the lender or credit grantor analyzed the borrower's ability to repay a mortgage loan based on Chapter XXX (XXX) or Chapter XXX (XXX). See XXX Credit Regulations Repayment Ability Alert (below) for full repayment ability requirements. | 12/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 135740 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/17/2022 | Cleared | -96458 | Compliance | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | This loan failed the revised closing disclosure delivery date test (waiting period required).(XXX CFR §XXX(f) (XXX) (ii)) The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXX(f) (XXX) (i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXX(f) (XXX) (ii) (A) :(A) The annual percentage rate disclosed under §XXX(o) (XXX) becomes inaccurate, as defined in §XXX.(B) The loan product is changed, causing the information disclosed under §XXX(a) (XXX) (iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §XXX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §XXX(f) (XXX) (i) no later than three business days before consummation.; Initial CD XX/XX/XXXX APR Stated as XXX% Final CD XX/XX/XXXX APR Stated as XXX% APR increased (outside of.XXX% tolerance) Per Disclosure tracking summary, there should be a CD dated XX/XX/XXXX in the file, however it's missing. This CD may correct this exception | Change status of 'Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test' from Active to Open Rebuttal.; Received CD dated XX/XX/XXXX. Updating loan accordingly. ; Initial CD XX/XX/XXXX APR Stated as XXX%; Final CD XX/XX/XXXX APR Stated as XXX%; APR increased (outside of.XXX% tolerance) ; Per Disclosure tracking summary, there should be a CD dated XX/XX/XXXX in the file, however it's missing. This CD may correct this exception | 12/12/2022 | This loan passed the revised closing disclosure delivery date test (waiting period required).(XXX CFR §XXX(f) (XXX) (ii)) The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXX(f) (XXX) (i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXX(f) (XXX) (ii) (A) :(A) The annual percentage rate disclosed under §XXX(o) (XXX) becomes inaccurate, as defined in §XXX.(B) The loan product is changed, causing the information disclosed under §XXX(a) (XXX) (iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §XXX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §XXX(f) (XXX) (i) no later than three business days before consummation. | 12/12/2022 | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 131990 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 131999 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 133020 |  |  | $XXXXXX C | D | D | D | D | D A | B | B | B | B | B A |
| 134005 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 132992 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 133983 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 134011 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 139280 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 139293 |  |  | $XXXXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 139309 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 139279 |  |  | $XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 139295 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 139310 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 139283 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 139296 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138561 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138547 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138472 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138465 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138562 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138615 | XXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 138529 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138544 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138568 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138480 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138502 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138549 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138551 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138546 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138460 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138492 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138628 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138471 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138461 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138606 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138510 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138458 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138609 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138611 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138654 | XXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 138514 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138605 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138479 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138657 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138481 | XXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 138656 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138651 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138557 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138581 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138579 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138466 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138478 | XXX |  | $XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 138632 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138463 | XXX |  | $XXXXXX D C | A | A | A | A | A D C | A | A | A | A | A |
| 138494 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138511 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138587 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138496 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138520 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 138640 | XXX |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 132465 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 134030 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 133979 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 135006 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 134029 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 134014 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 134022 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 133969 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 133985 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 133025 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 134012 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 133992 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 134020 |  |  | $XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 133977 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 134007 |  |  | $XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 139287 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 139277 |  |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 135707 | XXX |  | $XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 135574 |  |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 135552 |  |  | $XXXXXX C | D | D | D | C | C A D | A | A | A | A | A |
| 135610 |  |  | $XXXXXX D C | A | A | A | A | A D C | A | A | A | A | A |
| 135544 | XXX |  | $XXXXXX D | B | B | B | B | B A D | A | A | A | A | A |
| 131988 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 131956 |  |  | $XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 135739 | XXX |  | $XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 135545 | XXX |  | $XXXXXX D | C | C | C | C | C A D B | B | B | B | B | B A |
| 135719 | XXX |  | $XXXXXX C | C | C | C | C | C A B | B | B | B | B | B A |
| 135740 | XXX |  | $XXXXXX C | C | C | C | C | C A | B | B | B | B | B A |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 135545 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 85% | 85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 135719 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 85% | 85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 135739 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 80% | 80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 135740 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80% | 80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 135544 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75% | 75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 135707 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 131990 |  |  | XX/XX/XXXX | $XXXXXX |  | XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 131999 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.52% | 65.52% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 133020 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.73% | 67.73% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 134005 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.20% | 73.20% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 132992 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0625 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 133983 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 134011 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 139280 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 139293 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 139309 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 139279 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 39.13% | 39.13% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 139295 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 139310 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.63% | 69.63% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 139283 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 139296 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 138587 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 59.85% | 59.85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 138496 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80% | 80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 138494 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.49% | 74.49% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 138511 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 40.53% | 40.53% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 138579 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75% | 75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 138581 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 55% | 55% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 138463 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 85% | 85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 138557 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80% | 80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 138656 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75% | 75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 138657 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75% | 75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 138481 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75% | 75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 138466 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80% | 80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 138632 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 67.06% | 67.06% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 138605 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 85% | 85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 138606 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 62.9% | 62.9% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 138458 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 85% | 85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 138460 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 69.43% | 69.43% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 138461 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 81.77% | 81.77% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 138609 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 68.48% | 68.48% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 138611 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70% | 70% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 138514 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 37.59% | 37.59% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 138472 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80% | 80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 138471 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 61.07% | 61.07% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 138510 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70% | 70% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 138628 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70% | 70% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 138568 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 46.25% | 46.25% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 138529 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75% | 75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 138544 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80% | 80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 138546 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70% | 70% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 138547 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80% | 80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 138549 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80% | 80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 138480 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 85% | 85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 138492 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80% | 80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX | XXX | 0.00% | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 138551 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75% | 75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 138561 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75% | 75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 138562 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 65% | 65% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 138502 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 45.28% | 45.28% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX | XXX | 8.18% | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 138465 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80% | 80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 138478 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 67.57% | 67.57% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 138479 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75% | 75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX | XXX | 1.90% | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 138651 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | $XXX | 70% | 70% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 138654 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 74.18% | 74.18% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX | XXX | 4.00% | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 138615 | XXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 66.06% | 66.06% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 138640 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70% | 70% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 138520 | XXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65% | 65% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 132465 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 134030 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 133979 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 76.86% | 76.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | $XXX |  | XX/XX/XXXX 1004D |  |  | Not Eligible | 3.3 |  |
| 135006 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 85.00% | 85.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | $XXX |  | XX/XX/XXXX 1004D |  |  | Eligible | 1 |  |
| 134029 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0951 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | $XXX |  | XX/XX/XXXX 1004D |  |  | Not Eligible |  |  |
| 134014 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 134022 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 133969 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | $XXX |  | XX/XX/XXXX 1004D |  |  | Not Eligible |  |  |
| 133985 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 133025 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 73.56% | 73.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0798 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 134012 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 79.88% | 79.88% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 133992 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | $XXX |  | XX/XX/XXXX 1004D |  |  | Not Eligible | 3.2 |  |
| 134020 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | $XXX |  | XX/XX/XXXX 1004D |  |  | Eligible | 1.6 |  |
| 133977 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 134007 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 139287 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 139277 |  |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | $XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 135552 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75% | 75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 135610 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 65% | 65% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 135574 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75% | 75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 131988 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 70% | 70% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 131956 |  |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 73.91% | 73.91% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 131999 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per application |
| 131999 |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | per approval |
| 133020 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 134005 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial XXX. |
| 134005 |  | Borrower 1 Self-Employment Flag | Yes | No | The borrower is both self XXX and a wage earner. |
| 134005 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations. Within tolerance. |
| 132992 |  | Number of Borrowers | XXX | XXX | Per Note |
| 132992 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 132992 |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | Subject loan is a Business Purpose loan |
| 132992 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income and liability documentation |
| 134011 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified per Loan Originator Information data block on Initial in file. |
| 139280 |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | Per approval |
| 139280 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per income/debts in file |
| 139293 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified the initial of XX/XX/XXXX with the LO signature on the initial XXX |
| 139293 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified a DTI of XXX% based on our income calculation of the XXX months business bank Statements. Auditor's income is $XXX per monthnth verses lender's income of $XXX. |
| 139309 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 139279 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX updated as Per Initial 1003 |
| 139279 |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified DTI of XXX%. PITIA mismatch: The lender updated the front property flood insurance premium only, but we have two separate flood insurance documents for this property. If we update both flood insurance policy premiums, the total amount does not match the lender's XXX calculation. In addition, the lender used the incorrect ownership percentage for the business. Per the CPA letter the borrower's ownership in XXX is XXX%, not XXX%. |
| 139295 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Verified by the initial XXX. |
| 139310 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 139283 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 139283 |  | Credit QM/ATR Designation | QM-ATR Exempt | General QM - Appendix Q | Business Purpose Loan |
| 139296 |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | per initial application |
| 138461 | XXX | Sales_Price | XXX | XXX | FALSE |
| 138557 | XXX | Sales_Price | XXX | XXX | FALSE |
| 138606 | XXX | Original_LTV | XXX | XXX | FALSE |
| 138611 | XXX | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 138461 | XXX | Original_Collateral_Value | XXX | XXX | FALSE |
| 138606 | XXX | Original_Collateral_Value | XXX | XXX | FALSE |
| 138606 | XXX | Original_CLTV | XXX | XXX | FALSE |
| 138557 | XXX | Number_Units | XXX | XXX | FALSE |
| 138546 | XXX | Most_Recent_FICO_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 138606 | XXX | Most_Recent_FICO_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 138609 | XXX | Most_Recent_FICO_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 138496 | XXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 138551 | XXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 138471 | XXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 138514 | XXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 138547 | XXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 138502 | XXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 138458 | XXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 138520 | XXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 135707 | XXX | As-Is Value | XXX | XXX | As is value versus purchase price |
| 135574 |  | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 135574 |  | Original_PITI_Payment | XXX | XXX | FALSE |
| 135574 |  | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 135574 |  | Originator_DTI | XXX | XXX | FALSE |
| 135552 |  | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 135552 |  | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 135552 |  | Original_PITI_Payment | XXX | XXX | FALSE |
| 135552 |  | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 135552 |  | Originator_DTI | XXX | XXX | FALSE |
| 135610 |  | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 135610 |  | Loan_Purpose | XXX | XXX | FALSE |
| 135610 |  | Original_Collateral_Value_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 135610 |  | Origination_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| 135719 | XXX | Property_Type | XXX | XXX | FALSE |
| 135740 | XXX | Property_Type | XXX | XXX | FALSE |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_001.jpg)

**NARRATIVE**

**PRPM 2025-NQM3**

**By Canopy Financial Technology Partners LLC on June 30, 2025**

Canopy Financial Technology Partners LLC

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

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

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

![](ex99-2_001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by PRPM 2025-NQM3, LLC (the "Client") or its affiliated company. The Review was conducted from November 2021 to April 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of one hundred sixty-one (161) Loans with an aggregate principal balance of $97,029,197.

**Loan Sampling**

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

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); Moody's

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance |

---

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

![](ex99-2_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Index | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI (when applicable);

· DSCR (when applicable);

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· Gross Income (when applicable);

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

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

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

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

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

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

· Borrower identity:

&nbsp;&nbsp;&nbsp;&nbsp;· Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;· Borrower name variations

· Employment:

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;· Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;· Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;· Subject property ownership history

· OFAC:

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

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

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

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation (when applicable)**

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel, including
a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required
parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).
The appropriate Model Form will be tested according to applicable U.S. Court of Appeals, Circuit Court rulings;

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

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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· Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. §
1.63. · Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules
§ 109 4-3-01 et seq.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

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

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

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

**Ability to Repay (ATR)**

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

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

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

**Valuation Review**

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

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

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

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**Independent Third-Party Values**

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

---

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

---

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

![](ex99-2_001.jpg)

---

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

---

---

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

---

---

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

---

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

![](ex99-2_001.jpg)

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 8.70% (14 loans) have an overall grade of "B" and 91.30% (147 loans) have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 6.83% or eleven (11) mortgage loans reviewed, and 93.17% (150 loans) have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 1.24%, or two (2) mortgage loans reviewed, and 98.76% (159 loans) have a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" for 1.86% or three (3) mortgage loans reviewed, and 98.14% (158 loans) have a Property/Valuation grade of "A".

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;147 | &nbsp;&nbsp;91.30% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;14 | &nbsp;&nbsp;8.70% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**161** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;150 | &nbsp;&nbsp;93.17% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;6.83% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**161** | &nbsp;&nbsp;**100.00%** |

---

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

![](ex99-2_001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;159 | &nbsp;&nbsp;98.76% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.24% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**161** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;158 | &nbsp;&nbsp;98.14% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.86% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**161** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;160 | &nbsp;&nbsp;99.38% | &nbsp;&nbsp;$95279197.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.62% | &nbsp;&nbsp;$1750000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**161** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$97029197.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;161 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$97029197.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**161** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$97029197.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation— Proceeds used to pay off existing loans other than loans secured by real estate | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.24% | &nbsp;&nbsp;$1031600.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.62% | &nbsp;&nbsp;$295500.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;57 | &nbsp;&nbsp;35.40% | &nbsp;&nbsp;$28411875.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;23 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;$14575060.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;60 | &nbsp;&nbsp;37.27% | &nbsp;&nbsp;$34427912.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;18 | &nbsp;&nbsp;11.18% | &nbsp;&nbsp;$18287250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**161** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$97029197.00** |

---

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

![](ex99-2_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;153 | &nbsp;&nbsp;95.03% | &nbsp;&nbsp;$87905097.00 |
| &nbsp;&nbsp;421-480 Months | &nbsp;&nbsp;8 | &nbsp;&nbsp;4.97% | &nbsp;&nbsp;$9124100.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**161** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$97029197.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;42 | &nbsp;&nbsp;26.09% | &nbsp;&nbsp;$33208210.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;119 | &nbsp;&nbsp;73.91% | &nbsp;&nbsp;$63820987.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**161** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$97029197.00** |

---

**DATA COMPARISON RESULTS**

Of the one hundred sixty-one (161) mortgage Loan Files reviewed, forty-one (41) unique loans (25.47% by number) had forty-nine (49) tape comparison discrepancies across fifteen (15) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** |
| &nbsp;&nbsp;B1 Credit Report Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;161 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;161 | &nbsp;&nbsp;1.86% |
| &nbsp;&nbsp;Borrower 1 Origination FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;161 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;10 | &nbsp;&nbsp;161 | &nbsp;&nbsp;6.21% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;161 | &nbsp;&nbsp;1.86% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;161 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;161 | &nbsp;&nbsp;1.86% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;161 | &nbsp;&nbsp;1.24% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;8 | &nbsp;&nbsp;161 | &nbsp;&nbsp;4.97% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;5 | &nbsp;&nbsp;161 | &nbsp;&nbsp;3.11% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;2 | &nbsp;&nbsp;161 | &nbsp;&nbsp;1.24% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;161 | &nbsp;&nbsp;2.48% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;1 | &nbsp;&nbsp;161 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;1 | &nbsp;&nbsp;161 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;4 | &nbsp;&nbsp;161 | &nbsp;&nbsp;2.48% |

---

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

![](ex99-2_001.jpg)

**Disclaimer**

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

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

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

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

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

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

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 650741 | 650741 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | No | No | No | true | Yes | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | No |  |
| 707147 | 707147 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed |  | No |  | Yes | Present |
| 453996 | 453996 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed |  | No |  | Yes | Present |
| 661771 | 661771 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed |  | No |  | Yes | Present |
| 857101 | 857101 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed |  | No |  | Yes | Present |
| 153483 | 153483 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed |  | No |  | Yes | Present |
| 443082 | 443082 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed |  | No |  | Yes | Present |
| 147070 | 147070 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 440809 | 440809 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation | Not Tested | No | No | No | No | N | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| 546793 | 546793 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 124919 | 124919 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 337708 | 337708 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 686152 | 686152 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Not Employed |  | No |  | Yes | Present |
| 276726 | 276726 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 482771 | 482771 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 818941 | 818941 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 226521 | 226521 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation | Not Tested | No | No | No | No | N | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| 291956 | 291956 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Unknown |  | No |  | Yes | Present |
| 135858 | 135858 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 815107 | 815107 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 536369 | 536369 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 490683 | 490683 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 197523 | 197523 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 262222 | 262222 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed | Employed | No | No | Yes | Present |
| 606786 | 606786 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 999015 | 999015 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 886587 | 886587 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 374066 | 374066 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 683474 | 683474 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation | Not Tested | No | No | No | No | N | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| 238436 | 238436 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 372060 | 372060 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 815845 | 815845 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 724576 | 724576 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| 378109 | 378109 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 565504 | 565504 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 485422 | 485422 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 804125 | 804125 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 904341 | 904341 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation | Not Tested | No | No | No | No | true | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| 346075 | 346075 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 907735 | 907735 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 213780 | 213780 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Retired |  | No |  | Yes | Present |
| 430687 | 430687 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 777330 | 777330 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 976411 | 976411 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 530589 | 530589 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 913586 | 913586 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 493048 | 493048 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 525840 | 525840 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 135670 | 135670 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 356045 | 356045 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 676121 | 676121 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 665184 | 665184 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 489076 | 489076 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation | Not Tested | No | No | No | No | N | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| 677647 | 677647 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 478990 | 478990 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Unknown |  | No |  | Yes | Present |
| 519821 | 519821 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | No | No | No | N | Yes | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 388775 | 388775 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 450376 | 450376 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 929732 | 929732 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 118615 | 118615 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed |  | No |  | Yes | Present |
| 240658 | 240658 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 891582 | 891582 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | No | No | No | No | Yes | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Missing |
| 314489 | 314489 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 337461 | 337461 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 286873 | 286873 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 800713 | 800713 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 201950 | 201950 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 972889 | 972889 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 222753 | 222753 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 464079 | 464079 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 413417 | 413417 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 780518 | 780518 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 773684 | 773684 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 501451 | 501451 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 497614 | 497614 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 593980 | 593980 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | No | No | No | N | Yes | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 469034 | 469034 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 284672 | 284672 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 269252 | 269252 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 646779 | 646779 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 213292 | 213292 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed | Employed | No | No | Yes | Present |
| 919065 | 919065 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 514312 | 514312 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 114916 | 114916 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 542747 | 542747 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 156512 | 156512 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed |  | No |  | Yes | Present |
| 732812 | 732812 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 720965 | 720965 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 579142 | 579142 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 280723 | 280723 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed | Employed | No | No | Yes | Present |
| 348712 | 348712 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 508099 | 508099 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Unknown |  | No |  | Yes | Present |
| 696105 | 696105 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No | No | No | No |  | Yes | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 953688 | 953688 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Unknown |  | No |  | Yes | Present |
| 962491 | 962491 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 452762 | 452762 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 270838 | 270838 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 964514 | 964514 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 486593 | 486593 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 834393 | 834393 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 512691 | 512691 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 821819 | 821819 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 665324 | 665324 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 113396 | 113396 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 235318 | 235318 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation | Not Tested | No | No | No | No | true | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Not Employed | Not Employed | No | No | No |  |
| 307251 | 307251 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 522867 | 522867 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 555894 | 555894 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 676570 | 676570 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 864904 | 864904 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 591252 | 591252 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 207168 | 207168 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 208898 | 208898 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | No |  | Yes | Present |
| 803312 | 803312 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 933275 | 933275 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | N | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 315417 | 315417 |  | xxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | true | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 156607 | 156607 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No |  | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Not Employed |  | Yes |  | Yes | Present |
| 566244 | 566244 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 558975 | 558975 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 151974 | 151974 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 267558 | 267558 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 923650 | 923650 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 333906 | 333906 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 595777 | 595777 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 293455 | 293455 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 525443 | 525443 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 920061 | 920061 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 822168 | 822168 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 671972 | 671972 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 860473 | 860473 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 632740 | 632740 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 692407 | 692407 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 995316 | 995316 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 398683 | 398683 | 2501111761 | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 477728 | 477728 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 513730 | 513730 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 181994 | 181994 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 450388 | 450388 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 224231 | 224231 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 718453 | 718453 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 908448 | 908448 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | Yes | Employed |  | No |  | Yes | Present |
| 462154 | 462154 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 743127 | 743127 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 538025 | 538025 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 769035 | 769035 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 733138 | 733138 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 298558 | 298558 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 956295 | 956295 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 227933 | 227933 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 215428 | 215428 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed | Unknown | No | No | No |  |
| 180497 | 180497 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 797268 | 797268 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 853694 | 853694 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 455805 | 455805 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 479339 | 479339 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 305756 | 305756 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 503114 | 503114 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 760726 | 760726 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 966779 | 966779 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Unknown | No | No | No |  |
| 852582 | 852582 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 751504 | 751504 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 822168 |  | 822168 | xxx | B1 Credit Report Date | xxx | xxx |  |
| 156607 |  | 156607 | xxx | Borrower 1 Citizen | Non Permanent Resident Alien | Permanent Resident Alien | xxx |
| 462154 |  | 462154 | xxx | Borrower 1 Citizen | Non Permanent Resident Alien | US Citizen |  |
| 455805 |  | 455805 | xxx | Borrower 1 Citizen | Permanent Resident Alien | US Citizen |  |
| 908448 |  | 908448 | xxx | Borrower 1 Origination FICO | xxx | xxx |  |
| 453996 |  | 453996 | xxx | Calculated DSCR | 1.83 | 1.4 | xxx |
| 661771 |  | 661771 | xxx | Calculated DSCR | 1.049 | 3.05 | xxx |
| 857101 |  | 857101 | xxx | Calculated DSCR | 2.28 | 1 | xxx |
| 153483 |  | 153483 | xxx | Calculated DSCR | 2.06 | 1 | xxx |
| 291956 |  | 291956 | xxx | Calculated DSCR | 1.44 | 1.09 | xxx |
| 197523 |  | 197523 | xxx | Calculated DSCR | 1.47 | 1.48 | xxx |
| 606786 |  | 606786 | xxx | Calculated DSCR | 1.65 | 1.99 | xxx |
| 530589 |  | 530589 | xxx | Calculated DSCR | 1.558 | 1.1 |  |
| 891582 |  | 891582 | xxx | Calculated DSCR | 1.22 | 1.09 | xxx |
| 972889 |  | 972889 | xxx | Calculated DSCR | 1.52 | 1.10 | xxx |
| 267558 |  | 267558 | xxx | Cash Disbursement Date | xxx | xxx |  |
| 224231 |  | 224231 | xxx | Cash Disbursement Date | xxx | xxx |  |
| 462154 |  | 462154 | xxx | Cash Disbursement Date | xxx | xxx |  |
| 676570 |  | 676570 | xxx | Loan Purpose | Refinance | Purchase | xxx |
| 201950 |  | 201950 | xxx | Note Date | xxx | xxx | xxx |
| 525443 |  | 525443 | xxx | Note Date | xxx | xxx |  |
| 920061 |  | 920061 | xxx | Note Date | xxx | xxx |  |
| 147070 |  | 147070 | xxx | Number of Units | 1 | 2 |  |
| 267558 |  | 267558 | xxx | Number of Units | 1 | 3 |  |
| 135858 |  | 135858 | xxx | Primary Appraised Property Value | xxx | xxx | xxx |
| 536369 |  | 536369 | xxx | Primary Appraised Property Value | xxx | xxx | xxx |
| 606786 |  | 606786 | xxx | Primary Appraised Property Value | xxx | xxx | xxx |
| 724576 |  | 724576 | xxx | Primary Appraised Property Value | xxx | xxx | xxx |
| 493048 |  | 493048 | xxx | Primary Appraised Property Value | xxx | xxx | xxx |
| 780518 |  | 780518 | xxx | Primary Appraised Property Value | xxx | xxx | xxx |
| 512691 |  | 512691 | xxx | Primary Appraised Property Value | xxx | xxx | xxx |
| 821819 |  | 821819 | xxx | Primary Appraised Property Value | xxx | xxx | xxx |
| 147070 |  | 147070 | xxx | Property Type | PUD | Two to Four Unit |  |
| 298558 |  | 298558 | xxx | Property Type | PUD | Single Family Detached |  |
| 956295 |  | 956295 | xxx | Property Type | 5-10 Unit Multi-Family | Two to Four Unit |  |
| 503114 |  | 503114 | xxx | Property Type | Single Family Attached | Single Family Detached |  |
| 852582 |  | 852582 | xxx | Property Type | Two to Four Unit | Units |  |
| 114916 |  | 114916 | xxx | Qualifying CLTV | 75 | 108.65 | xxx |
| 821819 |  | 821819 | xxx | Qualifying CLTV | 22.22 | 19.23 | xxx |
| 450376 |  | 450376 | xxx | Qualifying FICO | xxx | xxx | xxx |
| 113396 |  | 113396 | xxx | Qualifying FICO | xxx | xxx | xxx |
| 235318 |  | 235318 | xxx | Qualifying FICO | xxx | xxx | xxx |
| 908448 |  | 908448 | xxx | Qualifying FICO | xxx | xxx |  |
| 333906 |  | 333906 | xxx | Qualifying Housing Debt Income Ratio | 13.7 | 11.41 |  |
| 821819 |  | 821819 | xxx | Qualifying LTV | 22.22 | 19.23 | xxx |
| 333906 |  | 333906 | xxx | Qualifying Total Debt Income Ratio | 36.68 | 28.99 | xxx |
| 293455 |  | 293455 | xxx | Qualifying Total Debt Income Ratio | 34.45 | 40.33 |  |
| 718453 |  | 718453 | xxx | Qualifying Total Debt Income Ratio | 47.47 | 39.75 |  |
| 538025 |  | 538025 | xxx | Qualifying Total Debt Income Ratio | 47.18 | 45.84 |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 650741 |  | 650741 D B A C | Closed | XXX | 2021-XX-09 18:17 | 2021-XX-15 16:05 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Revised LE received. - Due Diligence Vendor-11/XX/2021 <br>Open-\*\*\*\*\*\*\*\*\*Missing Revised Loan Estimate\*\*\*\*\*\*\*\*\*\*\* - Due Diligence Vendor-11/XX/2021 |  | Resolved-Revised LE received. - Due Diligence Vendor-11/XX/2021<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.37% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.2 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.37% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 650741 |  | 650741 D B A C | Closed | XXX | 2021-XX-12 18:48 | 2021-XX-15 16:04 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved-Revised LE received. COC in file. - Due Diligence Vendor-11/XX/2021 <br> Ready for Review-Document Uploaded. - Seller-11/XX/2021 <br> Open-Missing copy of the Revised LE with COC for increased UW and Discount Points Per COC the revised cd was sent on xxx - Due Diligence Vendor-11/XX/2021 | Ready for Review-Document Uploaded. - Seller-11/XX/2021<br>| Resolved-Revised LE received. COC in file. - Due Diligence Vendor-11/XX/2021<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.37% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.2 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.37% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 650741 |  | 650741 D B A C | Closed | XXX | 2021-XX-12 17:10 | 2021-XX-15 15:12 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk Review received - Due Diligence Vendor-11/XX/2021 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2021 <br>Open-Desk review missing. Desk review ordered - Due Diligence Vendor-11/XX/2021 | Ready for Review-Document Uploaded. - Seller-11/XX/2021<br>| Resolved-Desk Review received - Due Diligence Vendor-11/XX/2021<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.37% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.2 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.37% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 650741 |  | 650741 D B A C | Closed | XXX | 2021-XX-12 11:24 | 2021-XX-12 11:24 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Acknowledged-XX- Due Diligence Vendor-11/XX/2021 |  | Acknowledged-XX- Due Diligence Vendor-11/XX/2021<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.37% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.2 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.37% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 707147 |  | 707147 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 453996 |  | 453996 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 661771 |  | 661771 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 857101 |  | 857101 C A | Closed | XXX | 2022-XX-20 17:25 | 2022-XX-24 08:58 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Confirmed sufficient replacement coverage in evidence per insurer's anticipated cost to rebuild provided at resubmission. - Due Diligence Vendor-01/XX/2022 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $xxx is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $xxx - Due Diligence Vendor-01/XX/2022 <br> Ready for Review-Document Uploaded. this was in our original file. Thank you. - Seller-01/XX/2022 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $xxx is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $- Due Diligence Vendor-01/XX/2022 | Ready for Review-Document Uploaded. this was in our original file. Thank you. - Seller-01/XX/2022<br>| Resolved-Confirmed sufficient replacement coverage in evidence per insurer's anticipated cost to rebuild provided at resubmission. - Due Diligence Vendor-01/XX/2022<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 153483 |  | 153483 D A | Closed | XXX | 2022-XX-25 11:20 | 2022-XX-25 14:10 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Other Rider is Missing | Resolved-Received Interest Only Rider - Due Diligence Vendor-01/XX/2022 <br>Ready for Review-Document Uploaded. IO Rider - Seller-01/XX/2022 <br>Open-INTEREST ONLY RIDER MISSING - Due Diligence Vendor-01/XX/2022 | Ready for Review-Document Uploaded. IO Rider - Seller-01/XX/2022<br>| Resolved-Received Interest Only Rider - Due Diligence Vendor-01/XX/2022<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 443082 |  | 443082 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 147070 |  | 147070 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 440809 |  | 440809 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 546793 |  | 546793 D A | Closed | XXX | 2022-XX-25 14:35 | 2022-XX-26 13:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report provided at resubmission. Items noted include flag for initial loan originator license expired but not of issue for business-purpose transactions. Value confirmed by third party review of appraisal. No additional items to be addressed. - Due Diligence Vendor-01/XX/2022 <br>Ready for Review-Document Uploaded. Fraud report - Seller-01/XX/2022 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/XX/2022 | Ready for Review-Document Uploaded. Fraud report - Seller-01/XX/2022<br>| Resolved-Third Party Fraud Report provided at resubmission. Items noted include flag for initial loan originator license expired but not of issue for business-purpose transactions. Value confirmed by third party review of appraisal. No additional items to be addressed. - Due Diligence Vendor-01/XX/2022<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 546793 |  | 546793 D A | Closed | XXX | 2022-XX-25 14:37 | 2022-XX-26 13:44 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-01/XX/2022 <br>Ready for Review-Document Uploaded. URLA - Seller-01/XX/2022 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-01/XX/2022 | Ready for Review-Document Uploaded. URLA - Seller-01/XX/2022<br>| Resolved-Final 1003 provided at resubmission. - Due Diligence Vendor-01/XX/2022<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 124919 |  | 124919 D A | Closed | XXX | 2022-XX-25 15:14 | 2022-XX-10 08:46 | Resolved | 1 - Information D A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided \*\*Received HOA Questionnaire - Due Diligence Vendor-01/XX/2022 <br>Ready for Review-Document Uploaded. Master insurance and Condo questionnaire - Seller-01/XX/2022 <br>Open-HOA Questionnaire Document status is Missing. HOA Questionnaire not included with documents - Due Diligence Vendor-01/XX/2022 | Ready for Review-Document Uploaded. Master insurance and Condo questionnaire - Seller-01/XX/2022<br>| Resolved-HOA Questionnaire is Provided \*\*Received HOA Questionnaire - Due Diligence Vendor-01/XX/2022<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 337708 |  | 337708 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 686152 |  | 686152 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 276726 |  | 276726 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 482771 |  | 482771 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 818941 |  | 818941 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 226521 |  | 226521 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 291956 |  | 291956 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 135858 |  | 135858 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 815107 |  | 815107 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 536369 |  | 536369 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 490683 |  | 490683 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 197523 |  | 197523 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 262222 |  | 262222 D A | Closed | XXX | 2022-XX-07 14:03 | 2022-XX-08 10:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Copy of Note and CD provided for co-borrower's primary residence. - Due Diligence Vendor-02/XX/2022 <br>Ready for Review-Document Uploaded. - Seller-02/XX/2022 <br>Open-Pending mortgage statement for borrower 2's primary residence - Due Diligence Vendor-02/XX/2022 | Ready for Review-Document Uploaded. - Seller-02/XX/2022<br>| Resolved-Copy of Note and CD provided for co-borrower's primary residence. - Due Diligence Vendor-02/XX/2022<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 606786 |  | 606786 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 999015 |  | 999015 D A | Closed | XXX | 2022-XX-07 18:22 | 2022-XX-08 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Latest/Final Application Document is Missing | Resolved-Final approval provided with no outstanding items and confirms closed within appropriate timeframe. - Due Diligence Vendor-02/XX/2022 <br>Ready for Review-Document Uploaded. - Seller-02/XX/2022 <br>Open-no final approval - Due Diligence Vendor-02/XX/2022 | Ready for Review-Document Uploaded. - Seller-02/XX/2022<br>| Resolved-Final approval provided with no outstanding items and confirms closed within appropriate timeframe. - Due Diligence Vendor-02/XX/2022<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 886587 |  | 886587 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 374066 |  | 374066 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 683474 |  | 683474 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 238436 |  | 238436 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 372060 |  | 372060 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 815845 |  | 815845 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 724576 |  | 724576 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 378109 |  | 378109 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 565504 |  | 565504 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 485422 |  | 485422 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 804125 |  | 804125 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 904341 |  | 904341 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 346075 |  | 346075 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 907735 |  | 907735 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 213780 |  | 213780 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 430687 |  | 430687 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 777330 |  | 777330 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 976411 |  | 976411 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 530589 |  | 530589 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 913586 |  | 913586 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 493048 |  | 493048 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 525840 |  | 525840 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 135670 |  | 135670 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 356045 |  | 356045 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 676121 |  | 676121 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 665184 |  | 665184 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 489076 |  | 489076 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 677647 |  | 677647 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 478990 |  | 478990 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 519821 |  | 519821 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 388775 |  | 388775 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 450376 |  | 450376 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 929732 |  | 929732 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 118615 |  | 118615 A | Closed | XXX | 2022-XX-22 12:31 | 2022-XX-19 15:47 | Resolved | 1 - Information A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/XX/2022 <br>Open-Appraisal is Missing Secondary, desktop review missing. - Due Diligence Vendor-03/XX/2022 <br>Open-Appraisal is Missing - Due Diligence Vendor-03/XX/2022 |  | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-05/XX/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 128 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 240658 |  | 240658 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 891582 |  | 891582 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 314489 |  | 314489 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 337461 |  | 337461 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 286873 |  | 286873 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 800713 |  | 800713 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 201950 |  | 201950 D A | Closed | XXX | 2022-XX-29 12:50 | 2022-XX-29 16:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy provided at resubmission. - Due Diligence Vendor-03/XX/2022 <br>Ready for Review-Document Uploaded. - Seller-03/XX/2022 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-03/XX/2022 | Ready for Review-Document Uploaded. - Seller-03/XX/2022<br>| Resolved-Hazard Insurance Policy provided at resubmission. - Due Diligence Vendor-03/XX/2022<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 972889 |  | 972889 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 222753 |  | 222753 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 464079 |  | 464079 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 413417 |  | 413417 C A | Closed | XXX | 2022-XX-14 18:46 | 2022-XX-15 10:25 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Received current insurance policy confirming current coverage- initial file contained only renewal- item resolved. - Due Diligence Vendor-04/XX/2022 <br> Ready for Review-Document Uploaded. Current and previous policy, thank you - Seller-04/XX/2022 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Refinance updated policy - Due Diligence Vendor-03/XX/2022 | Ready for Review-Document Uploaded. Current and previous policy, thank you - Seller-04/XX/2022<br>| Resolved-Received current insurance policy confirming current coverage- initial file contained only renewal- item resolved. - Due Diligence Vendor-04/XX/2022<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.33% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 43.33% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 780518 |  | 780518 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 773684 |  | 773684 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 501451 |  | 501451 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 497614 |  | 497614 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 593980 |  | 593980 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 469034 |  | 469034 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 284672 |  | 284672 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 269252 |  | 269252 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 646779 |  | 646779 D A | Closed | XXX | 2022-XX-08 13:00 | 2022-XX-10 15:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate provided at resubmission. - Due Diligence Vendor-04/XX/2022 <br>Ready for Review-Document Uploaded. - Seller-04/XX/2022 <br>Open-Missing Flood Certificate - Due Diligence Vendor-04/XX/2022 | Ready for Review-Document Uploaded. - Seller-04/XX/2022<br>| Resolved-Flood Certificate provided at resubmission. - Due Diligence Vendor-04/XX/2022<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 213292 |  | 213292 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 919065 |  | 919065 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 514312 |  | 514312 B A | Closed | XXX | 2022-XX-12 11:12 | 2022-XX-12 13:29 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved. \*\*Received IEAD - Due Diligence Vendor-04/XX/2022 <br>Ready for Review-Document Uploaded. - Seller-04/XX/2022 <br>Open-Initial Escrow Account Disclosure is Missing Escrow account is missing from the file - Due Diligence Vendor-04/XX/2022 | Ready for Review-Document Uploaded. - Seller-04/XX/2022<br>| Resolved-Initial Escrow Account Disclosure is Resolved. \*\*Received IEAD - Due Diligence Vendor-04/XX/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 114916 |  | 114916 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 542747 |  | 542747 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 156512 |  | 156512 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 732812 |  | 732812 D A | Closed | XXX | 2022-XX-11 16:34 | 2022-XX-12 13:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate provided at resubmission. - Due Diligence Vendor-04/XX/2022 <br>Ready for Review-Document Uploaded. - Seller-04/XX/2022 <br>Open-Missing Flood Certificate Flood missing from file - Due Diligence Vendor-04/XX/2022 | Ready for Review-Document Uploaded. - Seller-04/XX/2022<br>| Resolved-Flood Certificate provided at resubmission. - Due Diligence Vendor-04/XX/2022<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 732812 |  | 732812 D A | Closed | XXX | 2022-XX-11 19:07 | 2022-XX-12 13:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy provided at resubmission. While copy is a binder only, premium matches amount paid on Final CD and confirms re-issuance of existing policy number, thus deemed sufficient. - Due Diligence Vendor-04/XX/2022 <br>Ready for Review-Document Uploaded. HOI - Seller-04/XX/2022 <br>Open-Missing Hazard Insurance Policy Hazard policy missing from file - Due Diligence Vendor-04/XX/2022 | Ready for Review-Document Uploaded. HOI - Seller-04/XX/2022<br>| Resolved-Hazard Insurance Policy provided at resubmission. While copy is a binder only, premium matches amount paid on Final CD and confirms re-issuance of existing policy number, thus deemed sufficient. - Due Diligence Vendor-04/XX/2022<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 720965 |  | 720965 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 579142 |  | 579142 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 280723 |  | 280723 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 348712 |  | 348712 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 508099 |  | 508099 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 696105 |  | 696105 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 953688 |  | 953688 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 962491 |  | 962491 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 452762 |  | 452762 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 270838 |  | 270838 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 964514 |  | 964514 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 486593 |  | 486593 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 834393 |  | 834393 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 512691 |  | 512691 D A | Closed | XXX | 2022-XX-19 18:50 | 2022-XX-20 13:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Validation of Origination Dates and full satisfactory pay histories for four private liens provided at resubmission. - Due Diligence Vendor-04/XX/2022 <br> Ready for Review-Document Uploaded. - Seller-04/XX/2022 <br> Open-Clarification: As per program requirement, please provide evidence of satisfactory pay history for all mortgages which borrower is obligated to. - Due Diligence Vendor-04/XX/2022 <br> Open-Mortgages with xxx for subject property (p.404) and non-subject properties (p.405-406, 537) are not listed on credit report in loan file; and unable to locate verifications of mortgages in loan file. - Due Diligence Vendor-04/XX/2022 | Ready for Review-Document Uploaded. - Seller-04/XX/2022<br>| Resolved-Validation of Origination Dates and full satisfactory pay histories for four private liens provided at resubmission. - Due Diligence Vendor-04/XX/2022<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 821819 |  | 821819 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 665324 |  | 665324 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 113396 |  | 113396 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 235318 |  | 235318 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 307251 |  | 307251 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 522867 |  | 522867 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 555894 |  | 555894 B A | Closed | XXX | 2022-XX-20 13:09 | 2022-XX-21 08:02 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-\*\*\*Received Initial Escrow Account Disclosure. - Due Diligence Vendor-04/XX/2022 <br>Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-04/XX/2022 <br>Ready for Review-Document Uploaded. - Seller-04/XX/2022 <br>Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-04/XX/2022 | Ready for Review-Document Uploaded. - Seller-04/XX/2022<br>| Resolved-\*\*\*Received Initial Escrow Account Disclosure. - Due Diligence Vendor-04/XX/2022 <br>Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-04/XX/2022<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 676570 |  | 676570 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 864904 |  | 864904 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 591252 |  | 591252 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 207168 |  | 207168 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 208898 |  | 208898 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 803312 |  | 803312 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 933275 |  | 933275 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 315417 |  | 315417 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 156607 |  | 156607 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 566244 |  | 566244 C B A | Closed | XXX | 2025-XX-06 17:03 | 2025-XX-30 11:34 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative offset via Principle reduction credit to the borrower, PCCD received. original finding/knowledge to lender issued xxx - XX- PCCD timing is ok - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Principal Reduction in the amount of $xxx applied to borrower. - Seller-01/XX/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.\*\*\*\*The following charges has increased: transfer taxes, with no event related to sales price or loan amount. 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/XX/2025 | Ready for Review-Document Uploaded. Principal Reduction in the amount of $xxx applied to borrower. - Seller-01/XX/2025 | Resolved-Curative offset via Principle reduction credit to the borrower, PCCD received. original finding/knowledge to lender issued xxx - XX- PCCD timing is ok - Due Diligence Vendor-01/XX/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 566244 |  | 566244 C B A | Closed | XXX | 2025-XX-06 17:03 | 2025-XX-30 11:34 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative offset via Principle reduction credit to the borrower, PCCD received. original finding/knowledge to lender issued xxx - XX- PCCD timing is ok - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Principal Reduction in the amount of $xxx applied to borrower - Seller-01/XX/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*\*The following charges has increased: transfer taxes, with no event related to sales price or loan amount. 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/XX/2025 | Ready for Review-Document Uploaded. Principal Reduction in the amount of $xxx applied to borrower - Seller-01/XX/2025 | Cured-Curative offset via Principle reduction credit to the borrower, PCCD received. original finding/knowledge to lender issued xxx - XX- PCCD timing is ok - Due Diligence Vendor-01/XX/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 566244 |  | 566244 C B A | Closed | XXX | 2025-XX-06 17:03 | 2025-XX-30 11:34 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative offset via Principle reduction credit to the borrower, PCCD received. original finding/knowledge to lender issued xxx - XX- PCCD timing is ok - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Principal Reduction in the amount of $xxx applied to borrower. - Seller-01/XX/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*The following charges has increased: transfer taxes, with no event related to sales price or loan amount. 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/XX/2025 | Ready for Review-Document Uploaded. Principal Reduction in the amount of $xxx applied to borrower. - Seller-01/XX/2025 | Cured-Curative offset via Principle reduction credit to the borrower, PCCD received. original finding/knowledge to lender issued xxx - XX- PCCD timing is ok - Due Diligence Vendor-01/XX/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 566244 |  | 566244 C B A | Closed | XXX | 2025-XX-06 14:43 | 2025-XX-09 10:18 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-desk review provided, value supported. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-01/XX/2025 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.7) Per Guidelines: Appraisal Review or FNMA CU Risk Score of 2.5 or less is required in addition to appraisal. There is an LCA in the file with a score of 1.0, but guides are specific and require CU score less than 2.5. Third Party Valuation required. - Due Diligence Vendor-01/XX/2025 | Ready for Review-Document Uploaded. - Seller-01/XX/2025<br>| Resolved-desk review provided, value supported. - Due Diligence Vendor-01/XX/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 558975 |  | 558975 D A | Closed | XXX | 2025-XX-14 11:54 | 2025-XX-21 13:08 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Apologies, see attached - Buyer-01/XX/2025 <br>Counter-No document was attached, Please re-upload - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-see attached - Buyer-01/XX/2025 <br>Open-The Final 1003 is Incomplete Cannot locate all pages to either borrowers signed final 1003 in file. - Due Diligence Vendor-01/XX/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/XX/2025<br>|  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 151974 |  | 151974 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 267558 |  | 267558 D B A | Closed | XXX | 2025-XX-29 15:31 | 2025-XX-03 14:26 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Per xxx directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-02/XX/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Disaster Inspection report needed to confirm no damage. - Due Diligence Vendor-01/XX/2025 | Ready for Review-Document Uploaded. - Seller-02/XX/2025<br>| Resolved-Per xxx directive, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/XX/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.08 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 267558 |  | 267558 D B A | Closed | XXX | 2025-XX-29 12:45 | 2025-XX-29 12:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Foreclosure History does not meet guidelines | Waived-Exception required for foreclosure bailout. Subject property is currently in foreclosure. - Due Diligence Vendor-01/XX/2025 |  | Waived-Exception required for foreclosure bailout. Subject property is currently in foreclosure. - Due Diligence Vendor-01/XX/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.08 Years | 1. Post closing reserves of xxx months <br> 2. FICO of xxx is 79 points higher than minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 923650 |  | 923650 C A | Closed | XXX | 2025-XX-30 16:53 | 2025-XX-07 20:47 | Resolved | 1 - Information C A | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Resolved-CDA provided. - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-02/XX/2025 <br>Open-AVM provided does not support original appraised value within 10%. Additional review product needed. - Due Diligence Vendor-01/XX/2025 | CDA attached - 02/XX/2025 <br>| Resolved-CDA provided. - Due Diligence Vendor-02/XX/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 923650 |  | 923650 C A | Closed | XXX | 2025-XX-29 16:38 | 2025-XX-03 09:59 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. Borrowers have a total of $xxx in Assets – funds needed to close xxx<br> 6 mos. of Reserve xxx<br> Funds left after closing $xxx - Seller-01/XX/2025 <br> Open-Audited Reserves of xxx are less than Guideline Required Reserves of 6 - Due Diligence Vendor-01/XX/2025 | Ready for Review-Document Uploaded. Borrowers have a total of $xxx in Assets – funds needed to close xxx<br> 6 mos. of Reserve xxx<br> Funds left after closing $xxx - Seller-01/XX/2025 | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-02/XX/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 333906 |  | 333906 C B A | Closed | XXX | 2025-XX-30 16:51 | 2025-XX-25 12:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-1008 with updated ratios provided also updated HOA as its an annual $xxx vs Monthly. - Due Diligence Vendor-02/XX/2025 <br> Resolved-Audited DTI of 36.68% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. Please find updated 1008, thank you - Buyer-02/XX/2025 <br> Counter-Please provide updated 1008 with new ratios percentages. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. We have input the same 12 month avg income figure of $xxx that the auditor had, but I have ratios of 13.696/34.783. We have lower subject PITIA and all other debts figures than cited below. The only DTI LLPA is when DTI exceeds 43% so in either case, 35% or 38%, our pricing would not be impacted. - Buyer-02/XX/2025 <br> Open-Possible pricing issue. <br> Tape DTI 28.986%-Audited Qualifying DTI of 37.13% - Subject PITIA $xxx + Other debt $xxx = $xxx/ Income $xxx = 37.13%. <br> Variance due to decrease in income from $xxx to $xxx. Lender calculation by 10 month average vs 12 month average. - Due Diligence Vendor-01/XX/2025 |  | Resolved-1008 with updated ratios provided also updated HOA as its an annual $xxx vs Monthly. - Due Diligence Vendor-02/XX/2025 <br> Resolved-Audited DTI of 36.68% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/XX/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 333906 |  | 333906 C B A | Closed | XXX | 2025-XX-30 15:59 | 2025-XX-13 10:36 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Acknowledged-Request for 2nd appraisal required to be waived. - Due Diligence Vendor-01/XX/2025 |  | Acknowledged-Request for 2nd appraisal required to be waived. - Due Diligence Vendor-01/XX/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Primary resident purchase, 14+ months reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 595777 |  | 595777 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 293455 |  | 293455 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 525443 |  | 525443 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 920061 |  | 920061 D A | Closed | XXX | 2025-XX-10 18:54 | 2025-XX-14 11:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-02/XX/2025 <br> Open-Asset 2 Missing Missing account statements for xxx with current outstanding balance of $xxx. No account number was listed on 1003 - Due Diligence Vendor-02/XX/2025 | Ready for Review-Document Uploaded. - Seller-02/XX/2025<br>| Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-02/XX/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.83 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 822168 |  | 822168 D A | Closed | XXX | 2025-XX-14 08:45 | 2025-XX-06 09:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. simo closing- see CD from other xxx loan that closed with sufficient net proceeds. - Buyer-03/XX/2025 <br> Open-Asset 2 Missing Asset 2 missing bank statement. - Due Diligence Vendor-02/XX/2025 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-03/XX/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.82 Are Greater Than The Guideline Minimum Of 8.11 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.33 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 822168 |  | 822168 D A | Closed | XXX | 2025-XX-14 08:45 | 2025-XX-06 09:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 8 Missing | Resolved-Asset 8 Provided Or Not Applicable - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. simo closing- see CD from other xxx loan that closed with sufficient net proceeds. - Buyer-03/XX/2025 <br> Open-Asset 8 Missing New Loan proceeds from Borrower Primary Residence missing. - Due Diligence Vendor-02/XX/2025 |  | Resolved-Asset 8 Provided Or Not Applicable - Due Diligence Vendor-03/XX/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.82 Are Greater Than The Guideline Minimum Of 8.11 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.33 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 822168 |  | 822168 D A | Closed | XXX | 2025-XX-18 16:56 | 2025-XX-06 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/XX/2025 <br>Open-Borrower 1 CPA Letter Missing CPA letter does not state that they have prepared Borrower's taxes. - Due Diligence Vendor-02/XX/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-03/XX/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.82 Are Greater Than The Guideline Minimum Of 8.11 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.33 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 671972 |  | 671972 D A | Closed | XXX | 2025-XX-19 09:26 | 2025-XX-07 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. Please see the attached gift letter - Buyer-03/XX/2025 <br>Counter-Proof of wire provided however still missing the Gift Letter. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. Please see the proof of gift - Buyer-03/XX/2025 <br>Open-Asset 1 Missing Provide gift letter and wire documentation funds from donor sent to closing as seen on the final CD. No gift documentation was provided as required. - Due Diligence Vendor-02/XX/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-03/XX/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.87 Are Greater Than The Guideline Minimum Of 7.98 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 671972 |  | 671972 D A | Closed | XXX | 2025-XX-19 09:30 | 2025-XX-07 10:15 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Disbursement ledger provided. - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. Please see the attached document confirming that the tax liens were paid off on a separate transaction. The borrower had two loans with xxx. Kindly clear this condition accordingly. - Buyer-03/XX/2025 <br> Open-Property Title Issue Provide documentation to evidence IRS tax liens showing on title have been paid off in full prior to closing. IRS payoff letter, dated xxx, shows total amount owed is $xxx computed to xxx. IRS does not show paid off on the final CD and no other documentation was provided to show title was cleared of the liens as required. - Due Diligence Vendor-02/XX/2025 |  | Resolved-Disbursement ledger provided. - Due Diligence Vendor-03/XX/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.87 Are Greater Than The Guideline Minimum Of 7.98 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 860473 |  | 860473 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 632740 |  | 632740 B A | Closed | XXX | 2025-XX-21 12:15 | 2025-XX-25 08:23 | Resolved | 1 - Information B A | Compliance | TRID | Final CD: Date Issued does not match actual date delivered | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. See Attached. 2/XX/2025 - Buyer-02/XX/2025 <br>Open-Provide the final Closing Disclosure that reflects the Date Issued. - Due Diligence Vendor-02/XX/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/XX/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.43 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 692407 |  | 692407 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 995316 |  | 995316 D A | Closed | XXX | 2025-XX-27 08:55 | 2025-XX-03 08:22 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-provided - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. see attached - Buyer-02/XX/2025 <br>Open-Service Provider List is Missing - Due Diligence Vendor-02/XX/2025 |  | Resolved-provided - Due Diligence Vendor-03/XX/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 93.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 995316 |  | 995316 D A | Closed | XXX | 2025-XX-26 23:20 | 2025-XX-28 08:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. - Buyer-02/XX/2025 <br>Open-The Initial 1003 is Missing Missing initial 1003. - Due Diligence Vendor-02/XX/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/XX/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 93.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 995316 |  | 995316 D A | Closed | XXX | 2025-XX-27 08:52 | 2025-XX-28 08:09 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. re-upload SPL and HO Counseling - Buyer-02/XX/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-02/XX/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/XX/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 93.59 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 398683 |  | 398683 D A | Closed | XXX | 2025-XX-27 00:44 | 2025-XX-05 14:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br>Open-Missing Flood Certificate Flood Certificate is missing in this file. - Due Diligence Vendor-02/XX/2025 | Ready for Review-Document Uploaded. - Seller-03/XX/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/XX/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 398683 |  | 398683 D A | Closed | XXX | 2025-XX-27 02:38 | 2025-XX-05 14:28 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/XX/2025 | Ready for Review-Document Uploaded. - Seller-03/XX/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/XX/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 477728 |  | 477728 C A | Closed | XXX | 2025-XX-28 01:04 | 2025-XX-03 08:41 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event detail provided - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-02/XX/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/XX/2025 | Ready for Review-Document Uploaded. - Seller-02/XX/2025<br>| Resolved-COC event detail provided - Due Diligence Vendor-03/XX/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.21 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.44 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 513730 |  | 513730 D A C | Closed | XXX | 2025-XX-28 16:02 | 2025-XX-06 11:14 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/XX/2025 <br> Resolved-PCCD disbursement date is xxx - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-02/XX/2025 | Ready for Review-Document Uploaded. - Seller-03/XX/2025<br>| Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/XX/2025 <br> Resolved-PCCD disbursement date is xxx - Due Diligence Vendor-03/XX/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.82 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.81 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 513730 |  | 513730 D A C | Closed | XXX | 2025-XX-28 16:02 | 2025-XX-06 11:14 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-02/XX/2025 | Ready for Review-Document Uploaded. - Seller-03/XX/2025<br>| Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-03/XX/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.82 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.81 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 513730 |  | 513730 D A C | Closed | XXX | 2025-XX-03 14:37 | 2025-XX-06 07:32 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-PCCD_ received, data entered, no additional compliance findings. (FCD not required if no change to borrower from ICD) - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br>Open-TRID: Missing Final Closing Disclosure \*\*\*\*\*Lender to provide missing Final Closing Disclosure. Document is needed to complete compliance testing - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. - Seller-03/XX/2025<br>| Resolved-PCCD_ received, data entered, no additional compliance findings. (FCD not required if no change to borrower from ICD) - Due Diligence Vendor-03/XX/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.82 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.81 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 181994 |  | 181994 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 450388 |  | 450388 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 224231 |  | 224231 B A | Closed | XXX | 2025-XX-05 05:47 | 2025-XX-05 05:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of $xxx is greater than the Guideline Maximum Loan Amount of $xxx EXCEPTION FOR CURRENT LOAN AMOUNT OF $xxx EXCEEDS THE LIMIT OF $xxx - Due Diligence Vendor-03/XX/2025 |  | Waived-Audited Loan Amount of $xxx is greater than the Guideline Maximum Loan Amount of $xxx EXCEPTION FOR CURRENT LOAN AMOUNT OF $xxx EXCEEDS THE LIMIT OF $xxx - Due Diligence Vendor-03/XX/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.24 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.82 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 | 1. DTI is 6.808%, max allowed is 50% <br> 2. Post closing reserves is xxx months which program requires 12<br> 3. Residual income is $xxx, minimum residual income is $xxx |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxx |
| 718453 |  | 718453 C A | Closed | XXX | 2025-XX-05 13:26 | 2025-XX-10 12:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 47.47% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached worksheets (3) for the businesses used for qualifying and revised 1008. - Buyer-03/XX/2025 <br>Open-Audited DTI of 50.37% exceeds Guideline DTI of 50% - Due Diligence Vendor-03/XX/2025 |  | Resolved-Audited DTI of 47.47% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/XX/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.32 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.81 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 908448 |  | 908448 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 462154 |  | 462154 C B A | Closed | XXX | 2025-XX-11 15:39 | 2025-XX-14 09:52 | Resolved | 1 - Information C A | Credit | Borrower | Stated Citizenship is Not Supported and/or Discrepancies present | Resolved-Updated 1003 reflecting the correct citizenship and 1008 provided. - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. Please see attached 1008 and 1003.<br> Per guideline, we only need the Form I-766.<br> - Seller-03/XX/2025 <br> Open-Documentation in file does not support and/or match stated citizenship from 1003. Missing evidence of US Citizenship. 1003 says US Citizen however DL is for limited term and I797 for DACA says action deferred until xxx. Employment authorization(page 540) expires xxx - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. Please see attached 1008 and 1003.<br> Per guideline, we only need the Form I-766.<br> - Seller-03/XX/2025<br>| Resolved-Updated 1003 reflecting the correct citizenship and 1008 provided. - Due Diligence Vendor-03/XX/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 462154 |  | 462154 C B A | Closed | XXX | 2025-XX-11 16:02 | 2025-XX-11 16:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Excessive Seller Contributions | Waived-Allow seller credit of $xxx which exceed closing costs of $xxx. - Due Diligence Vendor-03/XX/2025 |  | Waived-Allow seller credit of $xxx which exceed closing costs of $xxx. - Due Diligence Vendor-03/XX/2025 |  | Credit score of xxx > minimum of 660<br> Oldest trade from xxx established credit<br> DSCR of 1.01 using AIRDNA Market Overview |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 462154 |  | 462154 C B A | Closed | XXX | 2025-XX-11 16:00 | 2025-XX-11 16:02 | Waived | 2 - Non-Material B | Credit | Income | Continuity of Income Unsupported | Waived-Likelihood of income to continue is not supported. xxx Market score of xxx < 60 minimum score. - Due Diligence Vendor-03/XX/2025 |  | Waived-Likelihood of income to continue is not supported. xxx Market score of xxx < 60 minimum score. - Due Diligence Vendor-03/XX/2025 |  | Credit score of xxx > minimum of 660<br> Oldest trade from xxx established credit<br> DSCR of 1.01 using AIRDNA Market Overview |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 743127 |  | 743127 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 538025 |  | 538025 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 769035 |  | 769035 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 733138 |  | 733138 C A | Closed | XXX | 2025-XX-13 13:48 | 2025-XX-04 06:25 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-copy of the restitution check to the borrower and proof of mailing has been provided - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-04/XX/2025 <br> Open-\*\*\* Compliance review indicates a Finance Charge variance of $xxx. Fees included in testing are:Points - Loan Discount Fee $xxx; Application Fee paid by Borrower: $xxx; Underwriting Fee paid by Borrower: $xxx; Flood Certification - Single Charge or Life of Loan paid by Borrower: $xxx; MERS Registration Fee paid by Borrower: $xxx; Tax Service Fee paid by Borrower: $xxx; Settlement or Closing Fee paid by Borrower: $xxx; Recording Service Fee paid by Borrower: $xxx; Wire Transfer Fee paid by Borrower: $xxx; Title Services paid by Borrower: $xxx; Prepaid Interest paid by Borrower: $xxx- Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. - Seller-04/XX/2025<br>| Resolved-copy of the restitution check to the borrower and proof of mailing has been provided - Due Diligence Vendor-04/XX/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 298558 |  | 298558 D B C A | Closed | XXX | 2025-XX-13 15:34 | 2025-XX-20 14:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Approved Lender Exception: Fico is below the program min of 660. Actual Fico xxx<br> - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. Signed exception attached - Seller-03/XX/2025 <br> Open-Audited FICO of xxx is less than Guideline FICO of 660 - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. Signed exception attached - Seller-03/XX/2025<br>| Waived-Approved Lender Exception: Fico is below the program min of 660. Actual Fico xxx<br> - Due Diligence Vendor-03/XX/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.32 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.32 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | Residual income of over $xxx/Month<br> Self-Employed over 10 years<br> 10% LTV below program Min | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 298558 |  | 298558 D B C A | Closed | XXX | 2025-XX-18 12:25 | 2025-XX-20 12:57 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Complete Initial Disclosure package provided. Thank you - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br> Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review (issued within 3 days of xxx application date) - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. - Seller-03/XX/2025<br>| Resolved-Complete Initial Disclosure package provided. Thank you - Due Diligence Vendor-03/XX/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.32 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.32 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 298558 |  | 298558 D B C A | Closed | XXX | 2025-XX-18 12:28 | 2025-XX-20 12:56 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-ILE, RLE, ICD received, data entered, no additional compliance findings. \*\* FCD not required after ICD if no change to borrower. Thank you - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br> Open-\*\*\*Paying 1040 taxes / Consumer Purpose Loan.\*\*\*\*\*\* Please provide entire initial disclosure package for review (issued within 3 days of xxx application date)<br> - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. - Seller-03/XX/2025<br>| Resolved-ILE, RLE, ICD received, data entered, no additional compliance findings. \*\* FCD not required after ICD if no change to borrower. Thank you - Due Diligence Vendor-03/XX/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.32 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.32 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 298558 |  | 298558 D B C A | Closed | XXX | 2025-XX-18 12:30 | 2025-XX-20 12:56 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE, RLE, ICD received, data entered, no additional compliance findings. \*\* FCD not required after ICD if no change to borrower. Thank you - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*Paying 1040 taxes / Consumer Purpose Loan. \*\* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. - Seller-03/XX/2025<br>| Resolved-ILE, RLE, ICD received, data entered, no additional compliance findings. \*\* FCD not required after ICD if no change to borrower. Thank you - Due Diligence Vendor-03/XX/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.32 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.32 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 298558 |  | 298558 D B C A | Closed | XXX | 2025-XX-18 12:31 | 2025-XX-20 12:56 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | Resolved-ILE, RLE, ICD received, data entered, no additional compliance findings. \*\* FCD not required after ICD if no change to borrower. Thank you - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br>Open-\*\*\*\*\*\*\*\*\*\*Paying 1040 taxes / Consumer Purpose Loan. \*\*\*\*\*• Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation) is missing. Revised Closing Disclosure(s) with associated Changed Circumstance Detail form(s) are missing, if any. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. - Seller-03/XX/2025<br>| Resolved-ILE, RLE, ICD received, data entered, no additional compliance findings. \*\* FCD not required after ICD if no change to borrower. Thank you - Due Diligence Vendor-03/XX/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.32 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.32 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 298558 |  | 298558 D B C A | Closed | XXX | 2025-XX-18 12:34 | 2025-XX-20 12:55 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Material | Resolved-ILE, RLE, ICD received, data entered, no additional compliance findings. \*\* FCD not required after ICD if no change to borrower. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-All TRID documents have been uploaded - Seller-03/XX/2025 <br>Open-\*\*\*\*\*\*\*\*\*\*Paying 1040 taxes / Consumer Purpose Loan. RESPA required. - Due Diligence Vendor-03/XX/2025 | Ready for Review-All TRID documents have been uploaded - Seller-03/XX/2025<br>| Resolved-ILE, RLE, ICD received, data entered, no additional compliance findings. \*\* FCD not required after ICD if no change to borrower. - Due Diligence Vendor-03/XX/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.32 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.32 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 298558 |  | 298558 D B C A | Closed | XXX | 2025-XX-18 12:16 | 2025-XX-20 12:54 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: ICD provided - Final Closing Disclosure not required if no change. Thank you - Due Diligence Vendor-03/XX/2025 <br>Open-TRID: Missing Final Closing Disclosure missing \*\*\*\*\*\*\*\*\*\*Paying 1040 taxes / Consumer Purpose Loan. - Due Diligence Vendor-03/XX/2025 |  | Resolved-TRID: ICD provided - Final Closing Disclosure not required if no change. Thank you - Due Diligence Vendor-03/XX/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.32 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.32 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 298558 |  | 298558 D B C A | Closed | XXX | 2025-XX-18 12:23 | 2025-XX-20 12:52 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br> Open-Required Affiliated Business Disclosure Missing \*\*\*\*\*\*\* Please provide entire initial disclosure package for review (issued within 3 days of xxx application date) - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. - Seller-03/XX/2025<br>| Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-03/XX/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.32 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.32 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 956295 |  | 956295 C B A | Closed | XXX | 2025-XX-19 13:53 | 2025-XX-22 17:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Property or house size is outside of guidelines | Waived-Units 3 (XX sq. ft.) and 4 (XX sq. ft.) are less than the minimum required of XX square feet. Originator exception granted. - Due Diligence Vendor-04/XX/2025 |  | Waived-Units 3 (XX sq. ft.) and 4 (XX sq. ft.) are less than the minimum required XX square feet. Originator exception granted. - Due Diligence Vendor-04/XX/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | xxx FICO; great/established credit/tradelines; 0x30; experienced investor; DSCR 1.25; reserves after closing from own money - all units deemed legal from subject property borough and are in good condition. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 956295 |  | 956295 C B A | Closed | XXX | 2025-XX-19 13:55 | 2025-XX-22 16:39 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Verification of Mortgage | Waived-Borrower mortgage payment in cash for private lien from family member. Mortgage extension for $xxx provided. Originator exception granted for mortgage payment history. - Due Diligence Vendor-04/XX/2025 |  | Waived-Borrower mortgage payment in cash for private lien from family member. Mortgage extension for $xxx provided. Originator exception granted for mortgage payment history. - Due Diligence Vendor-04/XX/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | xxx FICO; great/established credit/tradelines; 0x30; experienced investor; DSCR 1.25; reserves after closing from own money |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 956295 |  | 956295 C B A | Closed | XXX | 2025-XX-19 13:30 | 2025-XX-22 16:12 | Resolved | 1 - Information C A | Credit | Eligibility | Property Type does not meet eligibility requirement(s) | Resolved-Document Uploaded. - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-As per xxx, xxx confirmed the variance. They will provide the confirmation directly. - Seller-04/XX/2025 <br> Counter-Missing confirmation from xxx on their acceptance of the variance letter. - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. Here is the variance letter from xxx that allows the property type - Seller-03/XX/2025 <br> Counter-Document Uploaded. The Exterior Appraisal report states the subject property is located in a Rural area while the XX states Suburban area. - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-As per appraisal subject property is suburban; however, as per xxx variance loan still qualify with attached snippet of the guidelines. - Seller-03/XX/2025 <br> Open-Per appraisal property is suburban, per exterior review property is rural. Rural properties not allowed per guidelines. - Due Diligence Vendor-03/XX/2025 | Ready for Review-As per xxx, xxx confirmed the variance. They will provide the confirmation directly. - Seller-04/XX/2025 <br> Ready for Review-Document Uploaded. Here is the variance letter from xxx that allows the property type - Seller-03/XX/2025 <br> Ready for Review-As per appraisal subject property is suburban; however, as per xxx variance loan still qualify with attached snippet of the guidelines. - Seller-03/XX/2025 | Resolved-Document Uploaded. - Due Diligence Vendor-04/XX/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 956295 |  | 956295 C B A | Closed | XXX | 2025-XX-17 06:25 | 2025-XX-22 16:12 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Document Uploaded. Investor approved the use of xxx overlays. - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-As per xxx, xxx confirmed the variance. They will provide the confirmation directly. - Seller-04/XX/2025 <br> Counter-Missing confirmation from xxx on their acceptance of the variance letter. - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. Here is the variance letter that allows the loan amount - Seller-03/XX/2025 <br> Counter-Document Uploaded. Per xxx DSCR 5-8 Unit Guidelines: Loan Amounts- Min: $xxx - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. As per xxx variance, allowed minimum loan amount is $xxx. - Seller-03/XX/2025 <br> Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx As per guideline min loan amount is $xxx. No exception in file. - Due Diligence Vendor-03/XX/2025 | Ready for Review-As per xxx, xxx confirmed the variance. They will provide the confirmation directly. - Seller-04/XX/2025 <br> Ready for Review-Document Uploaded. Here is the variance letter that allows the loan amount - Seller-03/XX/2025 <br> Ready for Review-Document Uploaded. As per xxx variance, allowed minimum loan amount is $xxx. - Seller-03/XX/2025 | Resolved-Document Uploaded. Investor approved the use of xxx overlays. - Due Diligence Vendor-04/XX/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 956295 |  | 956295 C B A | Closed | XXX | 2025-XX-19 14:00 | 2025-XX-21 08:24 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 68.68% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Max allowed LTV is 75% on 5-8 Unit or Mixed Use Purchase according to the xxx Matrix. - Seller-03/XX/2025 <br> Open-Audited CLTV of 68.68% exceeds Guideline CLTV of 65% Per email in file, xxx approved an exception for LTV up to 70% LTV. Missing exception form. - Due Diligence Vendor-03/XX/2025 | Ready for Review-Max allowed LTV is 75% on 5-8 Unit or Mixed Use Purchase according to the xxx Matrix. - Seller-03/XX/2025 | Resolved-Audited CLTV of 68.68% is less than or equal to Guideline CLTV of 75% - Due Diligence Vendor-03/XX/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 227933 |  | 227933 D B A | Closed | XXX | 2025-XX-20 17:58 | 2025-XX-21 07:59 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-FCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br>Open-\*\*\*\*\*\*\*\* Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. \*\*\*\*\*Missing page 2.\*\*\*\*\*\* - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. - Seller-03/XX/2025<br>| Resolved-FCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/XX/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.31 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.04 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 227933 |  | 227933 D B A | Closed | XXX | 2025-XX-18 14:55 | 2025-XX-20 14:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception approved for Rural Property. - Due Diligence Vendor-03/XX/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception approved for Rural Property. - Due Diligence Vendor-03/XX/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.31 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.04 Years | Fico 20+ points higher than min. DTI 5% below max. 5+ years business ownership. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxx |
| 215428 |  | 215428 D A | Closed | XXX | 2025-XX-18 17:26 | 2025-XX-21 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br>Open-Borrower 2 Gap Credit Report is Missing. - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. - Seller-03/XX/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/XX/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.57% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.02% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 215428 |  | 215428 D A | Closed | XXX | 2025-XX-18 17:26 | 2025-XX-21 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. - Seller-03/XX/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/XX/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.57% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.02% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 180497 |  | 180497 C A | Closed | XXX | 2025-XX-31 15:15 | 2025-XX-07 11:20 | Resolved | 1 - Information C A | Credit | Income | Income/Employment General | Resolved-XX- Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-04/XX/2025 <br> Open-The profit and loss statement is for xxx- xxx, which is only 11 months. GL require a profit and loss statement for 12 months. - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. - Seller-04/XX/2025<br>|  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 180497 |  | 180497 C A | Closed | XXX | 2025-XX-31 15:00 | 2025-XX-07 11:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. please see as of xxx before closing , they had $xxx in their xxx Account - Seller-04/XX/2025 <br> Open-Audited Reserves of xxx are less than Guideline Required Reserves of 6 Audited reserves of $xxx are less than the guidelines required reserves of $xxx. Reserves are $xxx short. - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. please see as of xxx before closing , they had $xxx in their xxx Account - Seller-04/XX/2025 | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-04/XX/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 180497 |  | 180497 C A | Closed | XXX | 2025-XX-28 12:48 | 2025-XX-07 08:42 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\* fees within adjusted origination charges renamed. did not increase - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Document Uploaded. coc - Seller-04/XX/2025 <br>Open-The file does not appear to contain a COC or adequate lender credits to address the increase in the application fee.<br> - Due Diligence Vendor-03/XX/2025 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. coc - Seller-04/XX/2025<br>| Resolved-\*\* fees within adjusted origination charges renamed. did not increase - Due Diligence Vendor-04/XX/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 180497 |  | 180497 C A | Closed | XXX | 2025-XX-28 12:48 | 2025-XX-07 08:42 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\* fees within adjusted origination charges renamed. did not increase - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Document Uploaded. coc - Seller-04/XX/2025 <br>Open-The file does not appear to contain a COC or adequate lender credits to address the increase in the application fee.<br> - Due Diligence Vendor-03/XX/2025 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. coc - Seller-04/XX/2025<br>| Resolved-\*\* fees within adjusted origination charges renamed. did not increase - Due Diligence Vendor-04/XX/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 180497 |  | 180497 C A | Closed | XXX | 2025-XX-28 12:48 | 2025-XX-07 08:42 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\* fees within adjusted origination charges renamed. did not increase - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. coc - Seller-04/XX/2025 <br> Open-The file does not appear to contain a COC or adequate lender credits to address the increase in the application fee.<br> - Due Diligence Vendor-03/XX/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. coc - Seller-04/XX/2025<br>| Resolved-\*\* fees within adjusted origination charges renamed. did not increase - Due Diligence Vendor-04/XX/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 797268 |  | 797268 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 853694 |  | 853694 B A | Closed | XXX | 2025-XX-28 11:33 | 2025-XX-01 11:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception to allow 75% cash vs guideline of 70% - Due Diligence Vendor-04/XX/2025 |  | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception to allow 75% cash vs guideline of 70% - Due Diligence Vendor-04/XX/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.37 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.22 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 | \* DTI 5% below max<br> \* 5+ years on job<br> \* 5+ years business ownership |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes | xxx |
| 455805 |  | 455805 D B A | Closed | XXX | 2025-XX-26 17:55 | 2025-XX-01 14:31 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-04/XX/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing Missing verification of bwr legal residency in the xxx. File contains xxx drivers license and LOE reflecting bwr is legal resident of xxx, although not a citizen of any country. GL's require additional documentation to support if not a US Citizen and are a Permanent Resident Alien or Non Permanent Resident Alien. Qualifying terms subject to review upon receipt of requested docs. - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. - Seller-04/XX/2025<br>| Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-04/XX/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.87 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 455805 |  | 455805 D B A | Closed | XXX | 2025-XX-26 12:57 | 2025-XX-28 08:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Business Documents provided for xxx - Due Diligence Vendor-03/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing EIN for xxx required by guidelines for business entity vesting. - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. - Seller-03/XX/2025<br>| Resolved-Business Documents provided for xxx - Due Diligence Vendor-03/XX/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.87 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 455805 |  | 455805 D B A | Closed | XXX | 2025-XX-25 12:53 | 2025-XX-26 17:57 | Waived | 2 - Non-Material B | Property | Property Issue | Property Marketability Issues | Waived-SUBJECT PROPERTY IS LOCATED IN A DECLINING MARKET, NO REDUCTION OF 5-25%TO LTV/CLTV IS APPLIED - Due Diligence Vendor-03/XX/2025 |  | Waived-SUBJECT PROPERTY IS LOCATED IN A DECLINING MARKET, NO REDUCTION OF 5-25%TO LTV/CLTV IS APPLIED - Due Diligence Vendor-03/XX/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.87 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxx |
| 455805 |  | 455805 D B A | Closed | XXX | 2025-XX-25 12:51 | 2025-XX-26 17:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Property or house size is outside of guidelines | Waived-THE PROPERTY HAS MORE THAN 2 ACRES, SPECIFICALLY XX ACRES. - Due Diligence Vendor-03/XX/2025 |  | Waived-THE PROPERTY HAS MORE THAN 2 ACRES, SPECIFICALLY XX ACRES. - Due Diligence Vendor-03/XX/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.87 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxx |
| 455805 |  | 455805 D B A | Closed | XXX | 2025-XX-25 12:47 | 2025-XX-26 13:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 72.23% exceeds Guideline LTV of 65% Loan exceeds the maximum LTV of 65% allowed. The term is interest only and property is not leased. - Due Diligence Vendor-03/XX/2025 |  | Waived-Audited LTV of 72.23% exceeds Guideline LTV of 65% Loan exceeds the maximum LTV of 65% allowed. The term is interest only and property is not leased. - Due Diligence Vendor-03/XX/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.87 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxx |
| 455805 |  | 455805 D B A | Closed | XXX | 2025-XX-25 12:55 | 2025-XX-26 13:21 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-ACCEPT THE APPRAISER'S COMMENT THAT SOLAR POWER IS OWNED BY THE BORROWER, NO PROOF OF SOLAR OWNERSHIP, EXCEPTION TO USE THE APPRAISER'S WORDINGS AS OWNED. - Due Diligence Vendor-03/XX/2025 |  | Waived-ACCEPT THE APPRAISER'S COMMENT THAT SOLAR POWER IS OWNED BY THE BORROWER, NO PROOF OF SOLAR OWNERSHIP, EXCEPTION TO USE THE APPRAISER'S WORDINGS AS OWNED. - Due Diligence Vendor-03/XX/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.87 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxx |
| 479339 |  | 479339 D B A | Closed | XXX | 2025-XX-09 10:44 | 2025-XX-11 10:10 | Resolved | 1 - Information C A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-Updated 1008 & 1003 Provided now reflecting Audited DTI of 37.63% - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-04/XX/2025 <br> Open-Back end DTI variance from 35.862% to 37%+ due to 1008 total of payments does not include REO net loss of $xxx. - Due Diligence Vendor-04/XX/2025 | Ready for Review-Document Uploaded. - Seller-04/XX/2025<br>| Resolved-Updated 1008 & 1003 Provided now reflecting Audited DTI of 37.63% - Due Diligence Vendor-04/XX/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.29% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.74 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.66 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 479339 |  | 479339 D B A | Closed | XXX | 2025-XX-07 08:57 | 2025-XX-10 13:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-This is P & L - Seller-04/XX/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary. - Due Diligence Vendor-04/XX/2025 | Ready for Review-This is P & L - Seller-04/XX/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/XX/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.29% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.74 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.66 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 479339 |  | 479339 D B A | Closed | XXX | 2025-XX-07 08:44 | 2025-XX-07 09:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural Property - Due Diligence Vendor-04/XX/2025 |  | Waived-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural Property - Due Diligence Vendor-04/XX/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.29% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.74 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.66 Years | DTI 5% below max<br> 5 + years on job<br> 5+ years business ownership |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes | xxx |
| 305756 |  | 305756 D A | Closed | XXX | 2025-XX-09 09:33 | 2025-XX-10 13:43 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Document Uploaded. Loan in wifes' name only - Seller-04/XX/2025 <br>Open-Housing History Does Not Meet Guideline Requirements File contains REO mortgage statements however CBR does not reflect any mortgage accounts. - Due Diligence Vendor-04/XX/2025 | Ready for Review-Document Uploaded. Loan in wifes' name only - Seller-04/XX/2025<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-04/XX/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.21 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 305756 |  | 305756 D A | Closed | XXX | 2025-XX-09 09:33 | 2025-XX-10 13:43 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Document Uploaded. wife is on the loan - Seller-04/XX/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. 1003 provided reflects that borrower indicated "No Real Estate owned" and the REO's do not appear on 1003. - Due Diligence Vendor-04/XX/2025 | Ready for Review-Document Uploaded. wife is on the loan - Seller-04/XX/2025<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-04/XX/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.21 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 503114 |  | 503114 D A | Closed | XXX | 2025-XX-08 09:15 | 2025-XX-10 13:30 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. Cash-out can be used for reserves - Seller-04/XX/2025 <br> Open-Audited Reserves of xxx are less than Guideline Required Reserves of 6 - Due Diligence Vendor-04/XX/2025 | Ready for Review-Document Uploaded. Cash-out can be used for reserves - Seller-04/XX/2025<br>| Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-04/XX/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.25 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 503114 |  | 503114 D A | Closed | XXX | 2025-XX-08 08:47 | 2025-XX-10 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-04/XX/2025 <br>Open-Title Document is missing Title is missing. - Due Diligence Vendor-04/XX/2025 | Ready for Review-Document Uploaded. - Seller-04/XX/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-04/XX/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.25 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 760726 |  | 760726 C B A | Closed | XXX | 2025-XX-04 17:48 | 2025-XX-09 08:05 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-04/XX/2025 <br> Counter-• Borrower executed documents on xxx. Final Closing Disclosure indicates funding xxx. Please Provided Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Last CD was signed on xxx and loan funded on xxx. We are ok - Seller-04/XX/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-04/XX/2025 | Ready for Review-Document Uploaded. - Seller-04/XX/2025 <br> Ready for Review-Last CD was signed on xxx and loan funded on xxx. We are ok - Seller-04/XX/2025 | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/XX/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.58 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.50 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 760726 |  | 760726 C B A | Closed | XXX | 2025-XX-02 07:31 | 2025-XX-02 07:31 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived-EXCEPTION REQUIRED TO EXTEND INCOME DOCUMENTS EXPIRY DATE FROM 60 DAYS TO 90 DAYS - Due Diligence Vendor-04/XX/2025 |  | Waived-EXCEPTION REQUIRED TO EXTEND INCOME DOCUMENTS EXPIRY DATE FROM 60 DAYS TO 90 DAYS - Due Diligence Vendor-04/XX/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.58 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.50 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | 1. DTI IS 13.639%, max allowed is 43% <br> 2. Credit Score is xxx, minimum required is 660.<br> 3. Post closing reserves is xxx months which program requires 6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 760726 |  | 760726 C B A | Closed | XXX | 2025-XX-02 07:30 | 2025-XX-02 07:30 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-EXCEPTION FOR DECLINING PROPERTY VALUES. - Due Diligence Vendor-04/XX/2025 |  | Waived-EXCEPTION FOR DECLINING PROPERTY VALUES. - Due Diligence Vendor-04/XX/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.58 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.50 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | 1. DTI IS 13.639%, max allowed is 43% <br> 2. Credit Score is 7x60, minimum required is 660.<br> 3. Post closing reserves is xxx months which program requires 6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 760726 |  | 760726 C B A | Closed | XXX | 2025-XX-02 07:28 | 2025-XX-02 07:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-XX-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. EXCEPTION FOR MODIFICATION SEASONING REQUIREMENT OF 48 MONTHS NOT MET FOR THE FOLLOWING:<br> - xxx<br> - xxx<br> - xxx<br> - xxx<br> - xxx - Due Diligence Vendor-04/XX/2025 |  | Waived-Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-XX-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. EXCEPTION FOR MODIFICATION SEASONING REQUIREMENT OF 48 MONTHS NOT MET FOR THE FOLLOWING:<br> - xxx<br> - xxx<br> - xxx<br> - xxx<br> - xxx - Due Diligence Vendor-04/XX/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.58 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.50 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | 1. DTI IS 13.639%, max allowed is 43% <br> 2. Credit Score is xxx, minimum required is 660.<br> 3. Post closing reserves is xxx months which program requires 6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 966779 |  | 966779 A |  | XXX |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 852582 |  | 852582 C B A | Closed | XXX | 2025-XX-22 12:40 | 2025-XX-24 11:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Document Uploaded. Approved Lender Exception: 5% LTV exception to 75% cash out on 4 units - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-On behalf of tenant - xxx exception form submitted with credit file - Due Diligence Vendor-04/XX/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% . Loan approved as a cash out refi using P&L income only. Guideline overlay shows max LTV allowed is 70% while subject closed with a 75% LTV. - Due Diligence Vendor-04/XX/2025 |  | Waived-Document Uploaded. Approved Lender Exception: 5% LTV exception to 75% cash out on 4 units - Due Diligence Vendor-04/XX/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.08 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.75 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | FICO 20+ points<br> DTI 5% below max<br> 5+ years on job<br> 5+ years business ownership | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 751504 |  | 751504 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 650741 |  | 650741 | xxx A C D B |
| 707147 |  | 707147 | xxx A |
| 453996 |  | 453996 | xxx A |
| 661771 |  | 661771 | xxx A |
| 857101 |  | 857101 | xxx C A |
| 153483 |  | 153483 | xxx A D |
| 443082 |  | 443082 | xxx A |
| 147070 |  | 147070 | xxx A |
| 440809 |  | 440809 | xxx A |
| 546793 |  | 546793 | xxx D A |
| 124919 |  | 124919 | xxx A D |
| 337708 |  | 337708 | xxx A |
| 686152 |  | 686152 | xxx A |
| 276726 |  | 276726 | xxx A |
| 482771 |  | 482771 | xxx A |
| 818941 |  | 818941 | xxx A |
| 226521 |  | 226521 | xxx A |
| 291956 |  | 291956 | xxx A |
| 135858 |  | 135858 | xxx A |
| 815107 |  | 815107 | xxx A |
| 536369 |  | 536369 | xxx A |
| 490683 |  | 490683 | xxx A |
| 197523 |  | 197523 | xxx A |
| 262222 |  | 262222 | xxx D A |
| 606786 |  | 606786 | xxx A |
| 999015 |  | 999015 | xxx D A |
| 886587 |  | 886587 | xxx A |
| 374066 |  | 374066 | xxx A |
| 683474 |  | 683474 | xxx A |
| 238436 |  | 238436 | xxx A |
| 372060 |  | 372060 | xxx A |
| 815845 |  | 815845 | xxx A |
| 724576 |  | 724576 | xxx A |
| 378109 |  | 378109 | xxx A |
| 565504 |  | 565504 | xxx A |
| 485422 |  | 485422 | xxx A |
| 804125 |  | 804125 | xxx A |
| 904341 |  | 904341 | xxx A |
| 346075 |  | 346075 | xxx A |
| 907735 |  | 907735 | xxx A |
| 213780 |  | 213780 | xxx A |
| 430687 |  | 430687 | xxx A |
| 777330 |  | 777330 | xxx A |
| 976411 |  | 976411 | xxx A |
| 530589 |  | 530589 | xxx A |
| 913586 |  | 913586 | xxx A |
| 493048 |  | 493048 | xxx A |
| 525840 |  | 525840 | xxx A |
| 135670 |  | 135670 | xxx A |
| 356045 |  | 356045 | xxx A |
| 676121 |  | 676121 | xxx A |
| 665184 |  | 665184 | xxx A |
| 489076 |  | 489076 | xxx A |
| 677647 |  | 677647 | xxx A |
| 478990 |  | 478990 | xxx A |
| 519821 |  | 519821 | xxx A |
| 388775 |  | 388775 | xxx A |
| 450376 |  | 450376 | xxx A |
| 929732 |  | 929732 | xxx A |
| 118615 |  | 118615 | xxx A |
| 240658 |  | 240658 | xxx A |
| 891582 |  | 891582 | xxx A |
| 314489 |  | 314489 | xxx A |
| 337461 |  | 337461 | xxx A |
| 286873 |  | 286873 | xxx A |
| 800713 |  | 800713 | xxx A |
| 201950 |  | 201950 | xxx D A |
| 972889 |  | 972889 | xxx A |
| 222753 |  | 222753 | xxx A |
| 464079 |  | 464079 | xxx A |
| 413417 |  | 413417 | xxx C A |
| 780518 |  | 780518 | xxx A |
| 773684 |  | 773684 | xxx A |
| 501451 |  | 501451 | xxx A |
| 497614 |  | 497614 | xxx A |
| 593980 |  | 593980 | xxx A |
| 469034 |  | 469034 | xxx A |
| 284672 |  | 284672 | xxx A |
| 269252 |  | 269252 | xxx A |
| 646779 |  | 646779 | xxx D A |
| 213292 |  | 213292 | xxx A |
| 919065 |  | 919065 | xxx A |
| 514312 |  | 514312 | xxx A B |
| 114916 |  | 114916 | xxx A |
| 542747 |  | 542747 | xxx A |
| 156512 |  | 156512 | xxx A |
| 732812 |  | 732812 | xxx D A |
| 720965 |  | 720965 | xxx A |
| 579142 |  | 579142 | xxx A |
| 280723 |  | 280723 | xxx A |
| 348712 |  | 348712 | xxx A |
| 508099 |  | 508099 | xxx A |
| 696105 |  | 696105 | xxx A |
| 953688 |  | 953688 | xxx A |
| 962491 |  | 962491 | xxx A |
| 452762 |  | 452762 | xxx A |
| 270838 |  | 270838 | xxx A |
| 964514 |  | 964514 | xxx A |
| 486593 |  | 486593 | xxx A |
| 834393 |  | 834393 | xxx A |
| 512691 |  | 512691 | xxx D A |
| 821819 |  | 821819 | xxx A |
| 665324 |  | 665324 | xxx A |
| 113396 |  | 113396 | xxx A |
| 235318 |  | 235318 | xxx A |
| 307251 |  | 307251 | xxx A |
| 522867 |  | 522867 | xxx A |
| 555894 |  | 555894 | xxx A B |
| 676570 |  | 676570 | xxx A |
| 864904 |  | 864904 | xxx A |
| 591252 |  | 591252 | xxx A |
| 207168 |  | 207168 | xxx A |
| 208898 |  | 208898 | xxx A |
| 803312 |  | 803312 | xxx A |
| 933275 |  | 933275 | xxx A |
| 315417 |  | 315417 | xxx A |
| 156607 |  | 156607 | xxx A |
| 566244 |  | 566244 | xxx A C B |
| 558975 |  | 558975 | xxx A D |
| 151974 |  | 151974 | xxx A |
| 267558 |  | 267558 | xxx B A D |
| 923650 |  | 923650 | xxx C A |
| 333906 |  | 333906 | xxx C A B |
| 595777 |  | 595777 | xxx A |
| 293455 |  | 293455 | xxx A |
| 525443 |  | 525443 | xxx A |
| 920061 |  | 920061 | xxx D A |
| 822168 |  | 822168 | xxx D A |
| 671972 |  | 671972 | xxx D A |
| 860473 |  | 860473 | xxx A |
| 632740 |  | 632740 | xxx A B |
| 692407 |  | 692407 | xxx A |
| 995316 |  | 995316 | xxx A D |
| 398683 |  | 398683 | xxx D A |
| 477728 |  | 477728 | xxx A C |
| 513730 |  | 513730 | xxx C D A |
| 181994 |  | 181994 | xxx A |
| 450388 |  | 450388 | xxx A |
| 224231 |  | 224231 | xxx B A |
| 718453 |  | 718453 | xxx C A |
| 908448 |  | 908448 | xxx A |
| 462154 |  | 462154 | xxx C A B |
| 743127 |  | 743127 | xxx A |
| 538025 |  | 538025 | xxx A |
| 769035 |  | 769035 | xxx A |
| 733138 |  | 733138 | xxx A C |
| 298558 |  | 298558 | xxx C D A B |
| 956295 |  | 956295 | xxx C A B |
| 227933 |  | 227933 | xxx B D A |
| 215428 |  | 215428 | xxx D A |
| 180497 |  | 180497 | xxx C A |
| 797268 |  | 797268 | xxx A |
| 853694 |  | 853694 | xxx B A |
| 455805 |  | 455805 | xxx D A B |
| 479339 |  | 479339 | xxx D A B |
| 305756 |  | 305756 | xxx D A |
| 503114 |  | 503114 | xxx D A |
| 760726 |  | 760726 | xxx B C A |
| 966779 |  | 966779 | xxx A |
| 852582 |  | 852582 | xxx C A B |
| 751504 |  | 751504 | xxx A |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 650741 |  | 650741 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 55.83 | 55.83 |  |  |  |  | xxx | xxx | .0083 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0083 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 707147 |  | 707147 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 453996 |  | 453996 | xxx | xxx | 0 |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 65 | 65 |  |  |  |  | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 661771 |  | 661771 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 85 | 85 |  |  |  |  | xxx | xxx | .0579 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0579 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857101 |  | 857101 | xxx | xxx | 0 |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 50.4 | 50.4 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | ADEQUATE | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 153483 |  | 153483 | xxx | xxx | 0 |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 52.92 | 52.92 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | ADEQUATE | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 443082 |  | 443082 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 69.2 | 69.2 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 147070 |  | 147070 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 440809 |  | 440809 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | ADEQUATE | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 546793 |  | 546793 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 85 | 85 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 124919 |  | 124919 | xxx | xxx | xxx |  | xxx | xxx | 1073 Individual Condo Report | xxx | 80 | 80 |  |  |  |  | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 337708 |  | 337708 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 686152 |  | 686152 | xxx | xxx | 0 |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 73.86 | 73.86 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 276726 |  | 276726 | xxx | xxx | 0 |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 71.19 | 71.19 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 482771 |  | 482771 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 75 | 75 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 818941 |  | 818941 | xxx | xxx | xxx |  | xxx | xxx | 1073 Individual Condo Report | xxx | 52.59 | 52.59 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 226521 |  | 226521 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 291956 |  | 291956 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 63.48 | 63.48 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 135858 |  | 135858 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  | xxx | xxx | -.0405 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0405 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 815107 |  | 815107 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 536369 |  | 536369 | xxx | xxx | xxx |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 80 | 80 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 490683 |  | 490683 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 197523 |  | 197523 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 75 | 75 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 262222 |  | 262222 | xxx | xxx | 0 |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | ADEQUATE | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 606786 |  | 606786 | xxx | xxx | xxx |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 85 | 85 |  |  |  |  | xxx | xxx | -.0971 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0971 | xxx | Moderate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 999015 |  | 999015 | xxx | xxx | xxx |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 85 | 85 |  |  |  |  | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 886587 |  | 886587 | xxx | xxx | xxx |  | xxx | xxx | 1073 Individual Condo Report | xxx | 57.69 | 57.69 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 374066 |  | 374066 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 43.01 | 43.01 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 683474 |  | 683474 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 75 | 75 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 238436 |  | 238436 | xxx | xxx | xxx |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 85 | 85 |  |  |  |  | xxx | xxx | .0550 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0550 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 372060 |  | 372060 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 85 | 85 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 815845 |  | 815845 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 75 | 75 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 724576 |  | 724576 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 378109 |  | 378109 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 17.98 | 17.98 |  |  |  |  | xxx | xxx | .0562 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0562 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 565504 |  | 565504 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 85 | 85 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 485422 |  | 485422 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 55 | 55 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 804125 |  | 804125 | xxx | xxx | xxx |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 60 | 60 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 904341 |  | 904341 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 64.5 | 64.5 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review | xxx | 0 | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 346075 |  | 346075 | xxx | xxx | xxx |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 85 | 85 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 907735 |  | 907735 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 68.15 | 68.15 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 213780 |  | 213780 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 47.3 | 47.3 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review | xxx | 0 | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 430687 |  | 430687 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 59.73 | 59.73 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 777330 |  | 777330 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 976411 |  | 976411 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 60 | 60 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 530589 |  | 530589 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | ADEQUATE | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 913586 |  | 913586 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | ADEQUATE | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 493048 |  | 493048 | xxx | xxx | 0 | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 69.9 | 69.9 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 525840 |  | 525840 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 60 | 60 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 135670 |  | 135670 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 356045 |  | 356045 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 676121 |  | 676121 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 665184 |  | 665184 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 489076 |  | 489076 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review | xxx | 0 | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 677647 |  | 677647 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 478990 |  | 478990 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 519821 |  | 519821 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 388775 |  | 388775 | xxx | xxx | 0 |  | xxx | xxx | 1004 URAR | xxx | 43.48 | 43.48 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 450376 |  | 450376 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 929732 |  | 929732 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | xxx | .0400 | Enhanced Desk Review | xxx | xxx | .0400 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 118615 |  | 118615 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 240658 |  | 240658 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 891582 |  | 891582 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 75 | 75 |  |  |  |  | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 314489 |  | 314489 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 337461 |  | 337461 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | xxx | .2174 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .2174 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 286873 |  | 286873 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 64.02 | 64.02 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 800713 |  | 800713 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 201950 |  | 201950 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 972889 |  | 972889 | xxx | xxx | xxx |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 85 | 85 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222753 |  | 222753 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 69.87 | 69.87 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review | xxx | 0 | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 464079 |  | 464079 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 85 | 85 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 413417 |  | 413417 | xxx | xxx | 0.0 |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 43.33 | 43.33 |  |  |  |  | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 780518 |  | 780518 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | xxx | .0098 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0098 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 773684 |  | 773684 | xxx | xxx | 0.0 |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 77.69 | 77.69 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 501451 |  | 501451 | xxx | xxx | 0.0 |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 77.69 | 77.69 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 497614 |  | 497614 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 85 | 85 |  |  |  |  | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 593980 |  | 593980 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 69.57 | 69.57 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 469034 |  | 469034 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 60 | 60 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 284672 |  | 284672 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review | xxx | 0 | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 269252 |  | 269252 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 646779 |  | 646779 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 75 | 75 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 213292 |  | 213292 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 919065 |  | 919065 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 514312 |  | 514312 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 60 | 60 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 114916 |  | 114916 | xxx | xxx | 0.0 |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 75 | 75 |  |  |  |  | xxx | 0 | .0000 | Desk Review | xxx | xxx | .0192 | xxx | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 542747 |  | 542747 | xxx | xxx | 0.0 |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 75 | 75 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review | xxx | xxx | .0196 | xxx | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 156512 |  | 156512 | xxx | xxx | xxx |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 75 | 75 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 732812 |  | 732812 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 69.77 | 69.77 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 720965 |  | 720965 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 73.21 | 73.21 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 579142 |  | 579142 | xxx | xxx | 0.0 |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 81.11 | 81.11 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 280723 |  | 280723 | xxx | xxx | xxx |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 85 | 85 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 348712 |  | 348712 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 85 | 85 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 508099 |  | 508099 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 696105 |  | 696105 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 75 | 75 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 953688 |  | 953688 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 48.02 | 48.02 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 962491 |  | 962491 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 452762 |  | 452762 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 270838 |  | 270838 | xxx | xxx | 0.0 |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 54.7 | 54.7 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 964514 |  | 964514 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 486593 |  | 486593 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834393 |  | 834393 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 75 | 75 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 512691 |  | 512691 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75 | 75 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 821819 |  | 821819 | xxx | xxx | 0.0 |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 22.22 | 22.22 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 665324 |  | 665324 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 70.64 | 70.64 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 113396 |  | 113396 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 75 | 75 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 235318 |  | 235318 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 58.5 | 58.5 |  |  |  |  | xxx | xxx | .0500 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0500 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 307251 |  | 307251 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 53.76 | 53.76 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 522867 |  | 522867 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 80 | 80 |  |  |  |  | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 555894 |  | 555894 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 676570 |  | 676570 | xxx | xxx | 0.0 |  | xxx | xxx | 1025 Small Residential Income Report | xxx | 40.4 | 40.4 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864904 |  | 864904 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 20.83 | 20.83 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 591252 |  | 591252 | xxx | xxx | xxx |  | xxx | xxx | 1073 Individual Condo Report | xxx | 75 | 75 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 207168 |  | 207168 | xxx | xxx |  |  | xxx | xxx | 1004 URAR | xxx | 75 | 75 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 208898 |  | 208898 | xxx | xxx | 0.0 |  | xxx | xxx | 1073 Individual Condo Report | xxx | 35.09 | 35.09 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 803312 |  | 803312 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 68.38 | 68.38 |  |  |  |  | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933275 |  | 933275 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 73.08 | 73.08 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | LOW | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 315417 |  | 315417 | xxx | xxx | 0.0 |  | xxx | xxx | 1004 URAR | xxx | 36.36 | 36.36 |  |  |  |  | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 156607 |  | 156607 | xxx | xxx | xxx |  | xxx | xxx | 1004 URAR | xxx | 70 | 70 |  |  |  |  | xxx | xxx | .0805 | AVM |  |  |  |  |  | xxx | xxx | .0805 | 94.0 | 0.06 |  |  | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 566244 |  | 566244 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 3.7 |  |
| 558975 |  | 558975 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 151974 |  | 151974 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 267558 |  | 267558 | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 923650 |  | 923650 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | xxx |
| 333906 |  | 333906 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 2.5 |  |
| 595777 |  | 595777 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 293455 |  | 293455 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 525443 |  | 525443 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 920061 |  | 920061 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | xxx | -.0101 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0101 | 95.0 | 0.05 | VeroValue | VeroValue AVM | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 822168 |  | 822168 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | xxx | .0119 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0119 | 94.0 | 0.06 | Clear Capital | ClearAVM | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 671972 |  | 671972 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxx | xxx | -.1291 | 92.0 | 0.08 | Clear Capital | ClearAVM | xxx | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860473 |  | 860473 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 632740 |  | 632740 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 692407 |  | 692407 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | xxx | .0117 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0117 | 98.0 | 0.02 | Clear Capital | ClearAVM | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 995316 |  | 995316 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 398683 | 2501111761 | 398683 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | xxx | -.0737 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0737 | 94.0 | 0.06 | VeroValue | VeroValue AVM | xxx |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 477728 |  | 477728 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 513730 |  | 513730 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 181994 |  | 181994 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 450388 |  | 450388 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 224231 |  | 224231 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  | xxx | xxx | .0183 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 718453 |  | 718453 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 90.0 | 90.0 | xxx | xxx | -.0952 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0952 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 908448 |  | 908448 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 73.99 | 73.99 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | xxx | Not Eligible |  |  |
| 462154 |  | 462154 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 743127 |  | 743127 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 538025 |  | 538025 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 769035 |  | 769035 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 733138 |  | 733138 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 298558 |  | 298558 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 956295 |  | 956295 | xxx | xxx | xxx | 0 | xxx | xxx | Other | xxx | 68.68 | 68.68 | xxx | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  | xxx | 0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 227933 |  | 227933 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible |  |  |
| 215428 |  | 215428 | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 43.02 | 43.02 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 180497 |  | 180497 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 797268 |  | 797268 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853694 |  | 853694 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 455805 |  | 455805 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 72.23 | 72.23 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | xxx |
| 479339 |  | 479339 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 64.29 | 64.29 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | xxx |
| 305756 |  | 305756 | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | xxx |
| 503114 |  | 503114 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.3 | xxx |
| 760726 |  | 760726 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | xxx | -.0873 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0873 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | xxx |
| 966779 |  | 966779 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852582 |  | 852582 | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 751504 |  | 751504 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_001.jpg)

**EXECUTIVE SUMMARY**

**PRPM 2025-NQM3**

**By Clarifii LLC on June 30, 2025**

PRPM 2025-NQM3 Due Diligence Narrative Report – PagE \| 1

![](ex99-3_001.jpg)

 **CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 34 loans (the "Loans") and these loans were subsequently acquired by PRPM 2025-NQM3, LLC (the "Client") for the PRPM 2025-NQM3 transaction. The loans referenced in this narrative report were reviewed 12/2024 through 04/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.94% | &nbsp;&nbsp;$934500.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;33 | &nbsp;&nbsp;97.06% | &nbsp;&nbsp;$19454319.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**34** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20388819.00** |

---

The Review consisted of a population of 34 loans, with an aggregate principal balance of $20,388,819.00.

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

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

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

**LOAN SAMPLING**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;Moody's Approach to Rating U.S. RMBS Using the MILAN Framework dated July 18, 2024 |

---

PRPM 2025-NQM3 Due Diligence Narrative Report – PagE \| 2

![](ex99-3_001.jpg)

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;Final Reviewed QM Status |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Originator QM Status |

---

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---

| |
|:---|
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;Verified Doc Type |

---

**CREDIT UNDERWRITING**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Loan Attributes** 

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit Application** 

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit History** 

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

&nbsp;&nbsp;&nbsp;&nbsp;· **Employment and Income** 

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in loan file

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

&nbsp;&nbsp;&nbsp;&nbsp;· **Asset Review** 

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in loan file

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance and Taxes** 

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

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

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

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

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

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

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;· **Debt Service Coverage Ratio (DSCR)** 

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Post-Consummation Closing Disclosure (PCCD), as applicable** 

**COMPLIANCE REVIEW**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Documentation Requirements** 

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;· **Anti-Predatory Lending (Assignee Liability)** 

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** 

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **State and Local Anti-Predatory Requirements** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

 

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

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

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

**VALUATION REVIEW**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Uniform Standards of Professional Appraisal Practice (USPAP)** 

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

PRPM 2025-NQM3 Due Diligence Narrative Report – PagE \| 13

![](ex99-3_001.jpg)

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – <br> No Hit** | &nbsp;&nbsp;**# of Files > -10% <br> Variance to OA or<br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files<br> within -10% of OA or<br> Acceptable UCDP Risk<br> Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

PRPM 2025-NQM3 Due Diligence Narrative Report – PagE \| 14

![](ex99-3_001.jpg)

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

PRPM 2025-NQM3 Due Diligence Narrative Report – PagE \| 15

![](ex99-3_001.jpg)

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;25 | &nbsp;&nbsp;73.53% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;26.47% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**34** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;31 | &nbsp;&nbsp;91.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;8.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**34** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;33 | &nbsp;&nbsp;97.06% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.94% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**34** | &nbsp;&nbsp;**100.00%** |

---

PRPM 2025-NQM3 Due Diligence Narrative Report – PagE \| 16

![](ex99-3_001.jpg)

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;29 | &nbsp;&nbsp;85.29% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;14.71% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**34** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$20388819.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**34** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20388819.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;22 | &nbsp;&nbsp;64.71% | &nbsp;&nbsp;$14999469.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;12 | &nbsp;&nbsp;35.29% | &nbsp;&nbsp;$5389350.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**34** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20388819.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;16 | &nbsp;&nbsp;47.06% | &nbsp;&nbsp;$8978700.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;18 | &nbsp;&nbsp;52.94% | &nbsp;&nbsp;$11410119.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**34** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20388819.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$20388819.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**34** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20388819.00** |

---

PRPM 2025-NQM3 Due Diligence Narrative Report – PagE \| 17

![](ex99-3_001.jpg)

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;3 | &nbsp;&nbsp;8.82% | &nbsp;&nbsp;$1261250.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;31 | &nbsp;&nbsp;91.18% | &nbsp;&nbsp;$19127569.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**34** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20388819.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total<br> Times<br> Compared** | &nbsp;&nbsp;**Accuracy<br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;34 | &nbsp;&nbsp;94.12% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;19 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;32 | &nbsp;&nbsp;81.25% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |

---

PRPM 2025-NQM3 Due Diligence Narrative Report – PagE \| 18

![](ex99-3_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;22 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;33 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;32 | &nbsp;&nbsp;96.88% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;31 | &nbsp;&nbsp;93.55% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;5 | &nbsp;&nbsp;15 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;9 | &nbsp;&nbsp;29 | &nbsp;&nbsp;68.97% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |

---

PRPM 2025-NQM3 Due Diligence Narrative Report – PagE \| 19

![](ex99-3_001.jpg)

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

 

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

 

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

 

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

 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2025 Clarifii LLC. All rights reserved.

PRPM 2025-NQM3 Due Diligence Narrative Report – PagE \| 20

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 474726 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 18594 | 9.069 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 6480.52 | Yes | Employed |  | No |  | No |  |
| XXXX | 474733 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 475523 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 476830 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 480130 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 4444 | 8.812 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3891.82 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 490953 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 490958 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | 104127.21 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 499621 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 18644 | 7.988 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 4637.34 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 500573 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 11295 | 8.796 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9467.99 | Yes | Employed |  | No |  | No |  |
| XXXX | 504256 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 14499 | 9.13 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 9010.99 | N/A | Employed |  | No |  | No |  |
| XXXX | 505711 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 505866 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 11995 | 8.443 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 16689.63 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | 506037 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 18374 | 8.596 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8781.19 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 507203 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 28620 | 9.105 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 74774.57 | N/A | Employed |  | No |  | No |  |
| XXXX | 516606 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12026.25 | 8.445 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 23818.51 | Yes | Employed |  | No |  | No |  |
| XXXX | 518152 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| XXXX | 519126 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 10694 | 9.598 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10000.67 | Yes | Employed |  | No |  | No |  |
| XXXX | 521249 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | No | Yes | Present |
| XXXX | 521495 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5524.38 | 10.045 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 26341.58 | Yes | Employed |  | No |  | No |  |
| XXXX | 523937 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 5394 | 8.706 | Yes | Yes | N/A | No | Yes | Yes | N/A | Yes | Yes | Yes | 8065.49 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 525765 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 14254.5 | 8.457 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8384.75 | Yes | Employed |  | No |  | No |  |
| XXXX | 525804 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 8319.81 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 526857 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5736.5 | 9.976 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6096.67 | Yes | Employed |  | No |  | No |  |
| XXXX | 529690 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 23837.4 | 8.822 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20016.34 | N/A | Employed |  | No |  | No |  |
| XXXX | 530102 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 22779.88 | 9.472 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17159.14 | Yes | Employed |  | No |  | No |  |
| XXXX | 549037 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 16275 | 7.836 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20441.56 | Yes | Employed |  | No |  | No |  |
| XXXX | 552709 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 552733 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 559268 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8086.24 | 7.944 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7127.65 | Yes | Employed |  | No |  | No |  |
| XXXX | 559269 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 15106.8 | 8.798 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15220.8 | Yes | Employed |  | No |  | No |  |
| XXXX | 563739 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10295 | 7.695 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11856.56 | N/A | Employed |  | No |  | No |  |
| XXXX | 565019 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 27609.38 | 8.028 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 33234.31 | Yes | Employed |  | No |  | No |  |
| XXXX | 566318 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 10219 | 8.808 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7403.37 | Yes | Employed |  | No |  | No |  |
| XXXX | 567385 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 474726 | XXXX | XXXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXXX | XXXX | Per final CD in file. |
| XXXX | 474726 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 622 | 628 | Per credit report |
| XXXX | 474733 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| XXXX | 474733 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 474733 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2537.6 | 2454.60 | PUD fee of $83/mo not included |
| XXXX | 476830 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 24.68 | 22.00 | Per cash out proceeds. |
| XXXX | 476830 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2503.15 | 2428.17 | Per Final PITIA (audit includes HOA fees) |
| XXXX | 480130 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | 480130 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 38.21 | 5.00 | Didn't detail on loan docs all gifts that were in loan file |
| XXXX | 490953 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 15.82 | 21.00 | Audit assets are less than 1003 assets. |
| XXXX | 490958 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 8653.23 | 7253.24 | Confirmed with addition of monthly HOA of $1400 |
| XXXX | 499621 | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 500573 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 516606 | XXXX | XXXX | Closing/Settlement Date | finalCdDetailPage | XXXX | XXXX | Per final CD in file |
| XXXX | 516606 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD in file |
| XXXX | 518152 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 12 | NA | Per Note in File |
| XXXX | 519126 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 521249 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 773 | 680 | Borrower 1 has no credit score and treating as Foreign National and only B2 has fico scores as a non-permanent resident |
| XXXX | 521249 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5718.32 | 5538.50 | Auditor confirmed with lenders approved |
| XXXX | 521249 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 15.72 | 11.00 | Auditor confirmed with lenders approved |
| XXXX | 523937 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2651.01 | 2613.93 | tape doesn't include PUD fees of $38.01/mo |
| XXXX | 525804 | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | Per credit report |
| XXXX | 559268 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 79.77 | 3.00 | cashout proceeds |
| XXXX | 559269 | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | per note |
| XXXX | 559269 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 79.28 | 0.00 | Per Final CD |
| XXXX | 563739 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 59.74 | 62.00 | Per checking provided |
| XXXX | 565019 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 565019 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 284603.19 | 183543.04 | per assets in file |
| XXXX | 565019 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | Owner occupied |
| XXXX | 566318 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 17.03 | 3.00 | Per calculations |
| XXXX | 567385 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 60 | NA | Per Note |
| XXXX | 567385 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per HUD-1 |
| XXXX | 567385 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 12.59 | 7.00 | per asset docs |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 474726 | XXXX B A | Closed | XXX | 2024-XX20 08:52 | 2024-XX20 08:52 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/XX/2024 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/XX/2024<br>| Long term residence - Client has owned residence for 10 years<br>Qualifying FICO score is at least 20 points above minimum for program - Qualified with 622 score guides require 600 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXX |
| XXXX | 474733 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 475523 | XXXX C B A | Closed | XXX | 2024-XX26 11:25 | 2025-XX12 08:06 | Waived | 2 - Non-Material C B | Property | Property | FEMA disaster declared within 120 days of Note | Waived-Originator Waiver applied with comp factors. - Due Diligence Vendor-06/XX/2025 <br> Open-XXXX (XXXX) XXXX-Public Assistance - Due Diligence Vendor-12/XX/2024 |  | Waived-Originator Waiver applied with comp factors. - Due Diligence Vendor-06/XX/2025<br>| Months Reserves exceed minimum required - 130 months reserves, 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Credit Score 738 min per guides 640 | 738 Fico, 640 required. 134 months reserves, 5 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | XXX |
| XXXX | 476830 | XXXX C B A | Closed | XXX | 2024-XX30 07:44 | 2025-XX07 17:01 | Waived | 2 - Non-Material C B | Credit | Closing | Prepayment Penalty Issue | Waived-Originator provided a waiver for PPP, applied to non material finding with comp factors - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Please find the exception for review. - Seller-01/XX/2025 <br> Counter-Please provide a Lender approved exception. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-LOX that was in file was deemed viable by XXXX and did not impose the pre pay please clear findings. - Seller-12/XX/2024 <br> Open-Per guides loans that have been listed on XXXX require a 2 year prepayment penalty - no exception noted in file and no prepayment penalty shown on docs in file. LOE in file from B1 states property was listed by mistake. - Due Diligence Vendor-12/XX/2024 | Ready for Review-Document Uploaded. Please find the exception for review. - Seller-01/XX/2025 <br>Ready for Review-LOX that was in file was deemed viable by HomeX and did not impose the pre pay please clear findings. - Seller-12/XX/2024<br>| Waived-Originator provided a waiver for PPP, applied to non material finding with comp factors - Due Diligence Vendor-01/XX/2025<br>| Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Qualifying reserves are 24 months.<br>DSCR % greater than 1.20 - DSCR is 1.39 | Fico: 754<br> LTV: 75% | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | XXX |
| XXXX | 480130 | XXXX C A | Closed | XXX | 2025-XX06 17:20 | 2025-XX11 16:57 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Bank statement for XXXX has been uploaded. Please clear condition. - Seller-01/XX/2025 <br> Counter-Please provide the XXXX statement as it was not located in the loan file. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Income for B2 calculated at XXXX per month. Initial Bank Statement Review & Income Desk Summary showed inaccurate deposits for XXXX. XXXX should show Gross Deposits of XXXX with Qualified Deposits of XXXX (transposed to XXXX on worksheet), XXXX should show Gross Deposits of XXXX with Qualified Deposits of XXXX (transposed to XXXX on worksheet). XXXX should show Gross Deposits of XXXX with Qualified Deposits of XXXX (according to transaction history in file with transactions from XXXX through XXXX, not included on worksheet). Total Qualified Deposits of XXXX - 30% = XXXX = XXXX. Please clear finding. - Seller-01/XX/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. outstanding income findings - Due Diligence Vendor-01/XX/2025 | Ready for Review-Document Uploaded. Bank statement for XXXX has been uploaded. Please clear condition. - Seller-01/XX/2025 <br> Ready for Review-Income for B2 calculated at XXXX per month. Initial Bank Statement Review & Income Desk Summary showed inaccurate deposits for XXXX. XXXX should show Gross Deposits of XXXX with Qualified Deposits of XXXX (transposed to XXXX on worksheet), XXXX should show Gross Deposits of XXXX with Qualified Deposits of XXXX (transposed to XXXX on worksheet). XXXX should show Gross Deposits of XXXX with Qualified Deposits of XXXX (according to transaction history in file with transactions from XXXX through XXXX, not included on worksheet). Total Qualified Deposits of XXXX - 30% = XXXX /12 = XXXX. Please clear finding. - Seller-01/XX/2025 | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-01/XX/2025<br>| Months Reserves exceed minimum required - Over 38 mos of reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Client qualified with a 766 credit score |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| XXXX | 480130 | XXXX C A | Closed | XXX | 2025-XX06 16:56 | 2025-XX05 16:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received bank statement . Audited DTI of 48.76% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Bank statement for XXXX has been uploaded. Please clear condition. - Seller-01/XX/2025 <br> Counter-Please provide the XXXX statement as it was not located in the loan file. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Income for B2 calculated at XXXX per month. Initial Bank Statement Review & Income Desk Summary showed inaccurate deposits for XXXX. XXXX should show Gross Deposits of XXXX with Qualified Deposits of XXXX (transposed to XXXX on worksheet), XXXX should show Gross Deposits of XXXX with Qualified Deposits of XXXX (transposed to XXXX on worksheet). XXXX should show Gross Deposits of XXXX with Qualified Deposits of XXXX (according to transaction history in file with transactions from XXXX through XXXX, not included on worksheet). Total Qualified Deposits of XXXX - 30% = XXXX /12 = XXXX. Please clear finding. - Seller-01/XX/2025 <br> Open-Audited DTI of 51.49% exceeds Guideline DTI of 50% Verified income for B2 bank stmts was calculated incorrectly - 11 stmts in file calc'd at only 10 mos and transposed XXXX deposit - Due Diligence Vendor-01/XX/2025 | Ready for Review-Document Uploaded. Bank statement for XXXX has been uploaded. Please clear condition. - Seller-01/XX/2025 <br> Ready for Review-Income for B2 calculated at XXXX per month. Initial Bank Statement Review & Income Desk Summary showed inaccurate deposits for XXXX. XXXX4 should show Gross Deposits of XXXX with Qualified Deposits of XXXX (transposed to XXXX on worksheet), XXXX should show Gross Deposits of XXXX with Qualified Deposits of XXXX (transposed to XXXX on worksheet). XXXX should show Gross Deposits of XXXX with Qualified Deposits of XXXX (according to transaction history in file with transactions from XXXX through XXXX5, not included on worksheet). Total Qualified Deposits of XXXX - 30% = XXXX /12 = XXXX. Please clear finding. - Seller-01/XX/2025 | Resolved-Received bank statement . Audited DTI of 48.76% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-01/XX/2025<br>| Months Reserves exceed minimum required - Over 38 mos of reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Client qualified with a 766 credit score |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| XXXX | 490953 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 490958 | XXXX D A | Closed | XXX | 2025-XX15 12:46 | 2025-XX17 15:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Condo questionnaire had been uploaded, please clear condition. - Seller-01/XX/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing Condo Quest - Due Diligence Vendor-01/XX/2025 | Ready for Review-Document Uploaded. Condo questionnaire had been uploaded, please clear condition. - Seller-01/XX/2025<br>| Resolved-Received HOA Questionnaire - Due Diligence Vendor-01/XX/2025<br>| Months Reserves exceed minimum required - Minimum reserves is 0, Borrower has 4.21 months.<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%, subject loan is 16.33% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXX |
| XXXX | 490958 | XXXX D A | Closed | XXX | 2025-XX15 13:03 | 2025-XX17 15:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received 1st payment letter. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. A copy of the first payment letter for the REO (3a) has been uploaded. The HOA is same as the subject property. Please clear condition. - Seller-01/XX/2025 <br>Open-Missing Mortgage statement, taxes, Ins, etc for REO (3a) - Due Diligence Vendor-01/XX/2025 | Ready for Review-Document Uploaded. A copy of the first payment letter for the REO (3a) has been uploaded. The HOA is same as the subject property. Please clear condition. - Seller-01/XX/2025<br>| Resolved-Received 1st payment letter. - Due Diligence Vendor-01/XX/2025<br>| Months Reserves exceed minimum required - Minimum reserves is 0, Borrower has 4.21 months.<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%, subject loan is 16.33% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXX |
| XXXX | 499621 | XXXX C A | Closed | XXX | 2025-XX17 13:49 | 2025-XX24 11:54 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received CD XXXX with evidence of receipt. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. please find the initial CD for review. - Seller-01/XX/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either: "XXXX" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ...Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation<br> - Due Diligence Vendor-01/XX/2025 | Ready for Review-Document Uploaded. please find the initial CD for review. - Seller-01/XX/2025<br>| Resolved-Received CD 12/XX/2024 with evidence of receipt. - Due Diligence Vendor-01/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 620, qualifying score is 715.<br>LTV is less than guideline maximum - Maximum LTV is 85%, subject loan is 70.19%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXX |
| XXXX | 500573 | XXXX C B A | Closed | XXX | 2025-XX23 15:12 | 2025-XX07 15:38 | Resolved | 1 - Information C A | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Resolved-LOE provided. Loan file contains sufficient documentation as to the relationship. - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-According to the guideline, an explanation of the relationship is not mandatory. The appraisal report indicates that the transaction is between family members, and the gift letter specifies "cousin," so an LOE is not required. - Seller-02/XX/2025 <br>Counter-Reasonable Explanation LOE provided. Please provide LOE stating the relationship. - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. Please find the attached LOE. - Seller-02/XX/2025 <br>Open-Non-Arm's Length Transactions Not Allowed for Program Per guides, non-arm's length purchase transactions require a"reasonable explanation of the non-arm's length transaction" be included in the file. A gift of equity letter indicates the borrower and seller are related. However, there was no letter of explanation addressing their relationship and the reason(s) for purchasing the home. - Due Diligence Vendor-01/XX/2025 | Ready for Review-According to the guideline, an explanation of the relationship is not mandatory. The appraisal report indicates that the transaction is between family members, and the gift letter specifies "cousin," so an LOE is not required. - Seller-02/XX/2025 <br>Ready for Review-Document Uploaded. Please find the attached LOE. - Seller-02/XX/2025<br>| Resolved-LOE provided. Loan file contains sufficient documentation as to the relationship. - Due Diligence Vendor-02/XX/2025<br>| Months Reserves exceed minimum required - Borrower has 7.79 months of P&I reserves, 4 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 797 qualifying FICO score, 660 minimum score required. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| XXXX | 500573 | XXXX C B A | Closed | XXX | 2025-XX23 16:47 | 2025-XX29 15:39 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received CPA Letter supporting deposits are business income for the business. - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Both DEPOSIT and ATM DEPOSIT are income-related deposits, please check the CPA letter. - Seller-01/XX/2025 <br> Open-Income and Employment Do Not Meet Guidelines Per guides, non-business related deposits such as XXXX loan/grants, overdraft deposit, account transfers and large deposits that are outside of the normal average deposits will not be included in income the calculation. Per the underwriter's bank statement worksheet in the loan file, the underwriter did not exclude a large deposit of XXXX from XXXX. Additionally, there was no explanation for the large deposit and the loan file did not contain any documentation to verify the deposit was business related. As a result, the deposit was removed from the borrower's eligible deposits. Additionally, an online transfer of XXXX on XXXX was also excluded. A review of the bank statement deposits found a total of XXXX of eligible deposits. Utilizing a 20% expense ratio per the CPA Letter in file, resulted in a monthly average income of XXXX. - Due Diligence Vendor-01/XX/2025 | Ready for Review-Document Uploaded. Both DEPOSIT and ATM DEPOSIT are income-related deposits, please check the CPA letter. - Seller-01/XX/2025<br>| Resolved-Received CPA Letter supporting deposits are business income for the business. - Due Diligence Vendor-01/XX/2025<br>| Months Reserves exceed minimum required - Borrower has 7.79 months of P&I reserves, 4 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 797 qualifying FICO score, 660 minimum score required. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| XXXX | 500573 | XXXX C B A | Closed | XXX | 2025-XX23 17:22 | 2025-XX29 15:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received proof of large deposits. Audited DTI of 48.74% is less than or equal to Guideline DTI of 49.99% - Due Diligence Vendor-01/XX/2025 <br> Ready for Review-Document Uploaded. Both DEPOSIT and ATM DEPOSIT are income-related deposits, please check the CPA letter. - Seller-01/XX/2025 <br> Open-Audited DTI of 55.81% exceeds Guideline DTI of 49.99% The guides allow a maximum DTI ratio of 49.99%. The underwriter's bank statement calculation failed to exclude a transfer and a large, unexplained deposit from the eligible deposits. Audit recalculated the income using the eligible deposits, which resulted in a qualifying monthly income of XXXX and a DTI ratio of 55.81%. - Due Diligence Vendor-01/XX/2025 | Ready for Review-Document Uploaded. Both DEPOSIT and ATM DEPOSIT are income-related deposits, please check the CPA letter. - Seller-01/XX/2025<br>| Resolved-Received proof of large deposits. Audited DTI of 48.74% is less than or equal to Guideline DTI of 49.99% - Due Diligence Vendor-01/XX/2025<br>| Months Reserves exceed minimum required - Borrower has 7.79 months of P&I reserves, 4 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 797 qualifying FICO score, 660 minimum score required. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| XXXX | 500573 | XXXX C B A | Closed | XXX | 2025-XX22 15:37 | 2025-XX22 15:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-01/XX/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-01/XX/2025<br>| Months Reserves exceed minimum required - Borrower has 7.79 months of P&I reserves, 4 months minimum required.<br>Qualifying FICO score is at least 20 points above minimum for program - 797 qualifying FICO score, 660 minimum score required. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXX |
| XXXX | 504256 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 505711 | XXXX D A | Closed | XXX | 2025-XX27 08:47 | 2025-XX27 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-flood insurance dec page provided. - Due Diligence Vendor-01/XX/2025 <br>Ready for Review-Document Uploaded. Please see attached flood policy. - Seller-01/XX/2025 <br>Open-Missing Flood Insurance Policy - Provide Subject Flood Insurance Policy. - Due Diligence Vendor-01/XX/2025 | Ready for Review-Document Uploaded. Please see attached flood policy. - Seller-01/XX/2025<br>| Resolved-flood insurance dec page provided. - Due Diligence Vendor-01/XX/2025<br>| DSCR % greater than 1.20 - DSCR is 1.38<br>Months Reserves exceed minimum required - Client as over 2 years in reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | XXX |
| XXXX | 505866 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 506037 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 507203 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 516606 | XXXX B A | Closed | XXX | 2025-XX06 11:38 | 2025-XX06 11:38 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-02/XX/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-02/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 783 is more than 20 points higher than the guideline min of 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 27.14 is lower than the guideline max of 49.99. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXX |
| XXXX | 518152 | XXXX D B A C | Closed | XXX | 2025-XX11 09:57 | 2025-XX12 08:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors. - Due Diligence Vendor-06/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded exception. - Seller-02/XX/2025 <br> Counter-Received assets which were in the loan file. Review used the balance of XXXX on XXXX. Borrower transferred the saving from account XXXX into XXXX on XXXX. Finding remains. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. updated 1003 & 1008 provided. Bank statement including savings covers more than enough for reserves. - Seller-02/XX/2025 <br> Open-Audited Reserves of 5.54 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/XX/2025 | Ready for Review-Document Uploaded. Uploaded exception. - Seller-02/XX/2025 <br>Ready for Review-Document Uploaded. updated 1003 & 1008 provided. Bank statement including savings covers more than enough for reserves. - Seller-02/XX/2025<br>| Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors. - Due Diligence Vendor-06/XX/2025<br>| LTV is less than guideline maximum - 65% LTV is less than 75% guideline maximum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | XXX |
| XXXX | 518152 | XXXX D B A C | Closed | XXX | 2025-XX11 09:34 | 2025-XX14 14:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-fraud report and XXXX provided. - Due Diligence Vendor-02/XX/2025 <br> Counter-Fraud Report provided does not list B1 as the borrowers. Participant list reflects the borrower as another individual. Closer not reporting on the XXXX was not addressed. Finding remains. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-02/XX/2025 <br> Open-Third Party Fraud Report Partially Provided Missing searches for borrower - Due Diligence Vendor-02/XX/2025 | Ready for Review-Document Uploaded. - Seller-02/XX/2025<br>| Resolved-fraud report and XXXX provided. - Due Diligence Vendor-02/XX/2025 | LTV is less than guideline maximum - 65% LTV is less than 75% guideline maximum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXX |
| XXXX | 518152 | XXXX D B A C | Closed | XXX | 2025-XX11 09:34 | 2025-XX14 14:10 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-fraud report and XXXX provided. - Due Diligence Vendor-02/XX/2025 <br> Counter-Fraud Report provided does not list B1 as the borrowers. Participant list reflects the borrower as another individual. Closer not reporting on the XXXX was not addressed. Finding remains. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-02/XX/2025 <br> Open-XXXX Check Not Completed and/or Cleared Missing searches for borrower - Due Diligence Vendor-02/XX/2025 | Ready for Review-Document Uploaded. - Seller-02/XX/2025<br>| Resolved-fraud report and XXXX provided. - Due Diligence Vendor-02/XX/2025 | LTV is less than guideline maximum - 65% LTV is less than 75% guideline maximum |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXX |
| XXXX | 518152 | XXXX D B A C | Closed | XXX | 2025-XX11 10:06 | 2025-XX13 13:27 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared within 120 days of Note | Resolved-Appraiser comments on page 8 of the appraisal. - Due Diligence Vendor-02/XX/2025 <br> Open-XXXX (XXXX)<br> Incident Period: XXXX - XXXX<br> Major Disaster Declaration declared on XXXX - Due Diligence Vendor-02/XX/2025 |  | Resolved-Appraiser comments on page 8 of the appraisal. - Due Diligence Vendor-02/XX/2025<br>| LTV is less than guideline maximum - 65% LTV is less than 75% guideline maximum |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXX |
| XXXX | 519126 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 521249 | XXXX D A | Closed | XXX | 2025-XX19 15:22 | 2025-XX19 15:27 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Flood Insurance Effective Date of XXXX is after the Note Date of XXXX, but on the Final CD date of XXXX - Due Diligence Vendor-02/XX/2025 <br> Open-Flood Insurance Effective Date of XXXX is after the Note Date of XXXX, but on the Final CD date of XXXX - Due Diligence Vendor-02/XX/2025 |  | Resolved-Flood Insurance Effective Date of XXXX is after the Note Date of XXXX, but on the Final CD date of XXXX - Due Diligence Vendor-02/XX/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 773 is higher than the required 680<br>LTV is less than guideline maximum - LTV 59.69% is lower than maximum 75% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXX |
| XXXX | 521249 | XXXX D A | Closed | XXX | 2025-XX13 13:05 | 2025-XX19 15:24 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property is in a Flood Zone that requires Flood Insurance but Flood Insurance is not Present | Resolved-Received the Flood Insurance Policy. - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. please find flood ins - Seller-02/XX/2025 <br>Open-Subject Property is in Flood Zone A but Flood Insurance is not present. Provide the required Flood Insurance since Flood Cert is in zone A. - Due Diligence Vendor-02/XX/2025 | Ready for Review-Document Uploaded. please find flood ins - Seller-02/XX/2025<br>| Resolved-Received the Flood Insurance Policy. - Due Diligence Vendor-02/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 773 is higher than the required 680<br>LTV is less than guideline maximum - LTV 59.69% is lower than maximum 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXX |
| XXXX | 521249 | XXXX D A | Closed | XXX | 2025-XX13 13:05 | 2025-XX19 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received the Flood Insurance Policy . - Due Diligence Vendor-02/XX/2025 <br>Open-Missing Flood Insurance Policy - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. flood ins for review. - Seller-02/XX/2025 <br>Open-Missing Flood Insurance Policy Provide the required Flood Insurance since Flood Cert is in zone A. - Due Diligence Vendor-02/XX/2025 | Ready for Review-Document Uploaded. flood ins for review. - Seller-02/XX/2025<br>| Resolved-Received the Flood Insurance Policy . - Due Diligence Vendor-02/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 773 is higher than the required 680<br>LTV is less than guideline maximum - LTV 59.69% is lower than maximum 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXX |
| XXXX | 521495 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 523937 | XXXX C A | Closed | XXX | 2025-XX19 11:54 | 2025-XX25 16:06 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Upon further review, there were no other income findings. - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-advise doc needed/ agree please clear findings. - Seller-02/XX/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Income finding - Due Diligence Vendor-02/XX/2025 | Ready for Review-advise doc needed/ agree please clear findings. - Seller-02/XX/2025<br>| Resolved-Upon further review, there were no other income findings. - Due Diligence Vendor-02/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - MIN 600 - client qualified with a 653 credit score<br>LTV is less than guideline maximum - Allowed to 55% LTV- closed under 40% LTV |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| XXXX | 525765 | XXXX C A | Closed | XXX | 2025-XX20 10:00 | 2025-XX24 08:37 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received documentation of delivery on XXXX. Finding resolved. - Due Diligence Vendor-02/XX/2025 <br> Ready for Review-Document Uploaded. please find the initial CD - Seller-02/XX/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ...Provide evidence that borrower received Initial CD dated XXXX 3 days prior to closing. - Due Diligence Vendor-02/XX/2025 | Ready for Review-Document Uploaded. please find the initial CD - Seller-02/XX/2025<br>| Resolved-Received documentation of delivery on XXXX. Finding resolved. - Due Diligence Vendor-02/XX/2025 | Qualifying DTI below maximum allowed - Allowed up to 55% DTI loan closed <48% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - Min 640 client qualified with a 666 credit score |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXX |
| XXXX | 525765 | XXXX C A | Closed | XXX | 2025-XX19 18:28 | 2025-XX24 08:36 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Received documentation of delivery on 2/XX/2025. Finding resolved. - Due Diligence Vendor-02/XX/2025 <br>Ready for Review-Document Uploaded. Please find the revised LE online consent. - Seller-02/XX/2025 <br>Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ...Missing evidence of receipt 4 business days prior to consummation - Due Diligence Vendor-02/XX/2025 | Ready for Review-Document Uploaded. Please find the revised LE online consent. - Seller-02/XX/2025<br>| Resolved-Received documentation of delivery on XXXX. Finding resolved. - Due Diligence Vendor-02/XX/2025 | Qualifying DTI below maximum allowed - Allowed up to 55% DTI loan closed <48% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - Min 640 client qualified with a 666 credit score |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXX |
| XXXX | 525804 | XXXX C A | Closed | XXX | 2025-XX21 15:23 | 2025-XX24 10:28 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Litigation against HOA for unlawful assessment/lack of notice, fees, not structural, safety or functionality, No letter from attorney or HOA stating covered by insurance, It is minor in nature. <br> Guides allow for pending litigation provided it is not structural. <br> - Due Diligence Vendor-02/XX/2025 |  | Resolved-Litigation against HOA for unlawful assessment/lack of notice, fees, not structural, safety or functionality, No letter from attorney or HOA stating covered by insurance, It is minor in nature. <br> Guides allow for pending litigation provided it is not structural. <br> - Due Diligence Vendor-02/XX/2025<br>| Qualifying DTI below maximum allowed - 42.91% DTI is below 50% maximum<br>LTV is less than guideline maximum - 79.57 LTV is less than 85% guideline maximim |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXX |
| XXXX | 526857 | XXXX C B A | Closed | XXX | 2025-XX24 13:27 | 2025-XX12 08:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver of reduction in LTV due to mortgage delinquencies, applied to non material finding with comp factors: Reserves: 63 months; DTI: 26.58%; 28 years on job - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. Credit exception for the LTV has been uploaded, please clear condition. - Seller-02/XX/2025 <br>Open-Audited LTV of 70% exceeds Guideline LTV of 60% 1x90 on mortgage = 15% reduction in LTV - Due Diligence Vendor-02/XX/2025 | Ready for Review-Document Uploaded. Credit exception for the LTV has been uploaded, please clear condition. - Seller-02/XX/2025<br>| Waived-Originator provided a waiver of reduction in LTV due to mortgage delinquencies, applied to non material finding with comp factors: Reserves: 63 months; DTI: 26.58%; 28 years on job - Due Diligence Vendor-03/XX/2025<br>| Months Reserves exceed minimum required - 0 Reserves required - borrower has 63 Months of reserves<br>Verified employment history exceeds guidelines - > 27 years on same job | Reserves: 63 months; DTI: 26.58%; 28 years on job | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXX |
| XXXX | 529690 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 530102 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 549037 | XXXX D A | Closed | XXX | 2025-XX18 17:50 | 2025-XX20 12:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Payment terms for REO provided. - Due Diligence Vendor-03/XX/2025 <br> Open-Missing P&I payment for refi of XXXX - Due Diligence Vendor-03/XX/2025 |  | Resolved-Payment terms for REO provided. - Due Diligence Vendor-03/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 799<br>LTV is less than guideline maximum - 80% LTV is less than 90& guideline maximum |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| XXXX | 549037 | XXXX D A | Closed | XXX | 2025-XX16 11:56 | 2025-XX20 12:34 | Resolved | 1 - Information C A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Updated loan application received. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br>Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. Borrower is on debt or a loan not in this application according to the 1003 Declaration. - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. - Seller-03/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-03/XX/2025<br>| Resolved-Updated loan application received. - Due Diligence Vendor-03/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 799<br>LTV is less than guideline maximum - 80% LTV is less than 90& guideline maximum |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| XXXX | 552709 | XXXX D A | Closed | XXX | 2025-XX20 15:19 | 2025-XX26 12:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received corrected HOI. - Due Diligence Vendor-03/XX/2025 <br>Ready for Review-Document Uploaded. Attached is the corrected HOI :) Thank u - Seller-03/XX/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing updated HOI decs page reflecting correct subject street name - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. Attached is the corrected HOI :) Thank u - Seller-03/XX/2025<br>| Resolved-Received corrected HOI. - Due Diligence Vendor-03/XX/2025<br>| Months Reserves exceed minimum required - 46.40 months; 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 750 vs. min 400 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | XXX |
| XXXX | 552733 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 559268 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 559269 | XXXX C A | Closed | XXX | 2025-XX27 10:16 | 2025-XX08 14:16 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received a copy of CDXXXX signed by borrower same day. - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. XXXX CD signed/dated - Seller-04/XX/2025 <br> Counter-Client responded that the e-Consent is sufficient to show CD XXXX was provided. However, the e-Consent is not sufficient to show when a borrower received a disclosure. They need to provide evidence of when the XXXX CD was provided to the borrower. Finding remains. - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. econsent already included in original upload - Seller-04/XX/2025 <br> Counter-Received the COC for change but not the actual disclosure tracking that reflects when the borrower received it. - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded proof of delivery. - Seller-03/XX/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Due to lender credit decrease on CD XXXX with no proof of receipt from borrower. Please provide disclosure tracking or other proof of delivery for CD XXXX. - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. XXXX CD signed/dated - Seller-04/XX/2025 <br> Ready for Review-Document Uploaded. econsent already included in original upload - Seller-04/XX/2025 <br> Ready for Review-Document Uploaded. Uploaded proof of delivery. - Seller-03/XX/2025 | Resolved-Received a copy of CD XXXX signed by borrower same day. - Due Diligence Vendor-04/XX/2025 | Months Reserves exceed minimum required - 79.28 mos reserves; 6 mos required<br>Qualifying DTI below maximum allowed - DTI is 39.63% and max allowed is 50%<br>On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement. 0x30.than 25 months |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXX |
| XXXX | 559269 | XXXX C A | Closed | XXX | 2025-XX27 10:16 | 2025-XX08 14:16 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Received a copy of CD XXXX signed by borrower same day. - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. XXXX signed/dated - Seller-04/XX/2025 <br> Counter-Client responded that the e-Consent is sufficient to show CD XXXX was provided. However, the e-Consent is not sufficient to show when a borrower received a disclosure. They need to provide evidence of when the XXXX CD was provided to the borrower. Finding remains. - Due Diligence Vendor-04/XX/2025 <br> Counter-Received the COC for change but not the actual disclosure tracking that reflects when the borrower received it. - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Uploaded proof of delivery for CD XXXX. - Seller-03/XX/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"XXXX" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. Due to change of loan amount and APR on CD XXXX with no proof of receipt from borrower. Please provide disclosure tracking or other proof of delivery for CD XXXX. - Due Diligence Vendor-03/XX/2025 | Ready for Review-Document Uploaded. XXXX CD signed/dated - Seller-04/XX/2025 <br> Ready for Review-Uploaded proof of delivery for CD XXXX. - Seller-03/XX/2025 | Resolved-Received a copy of CD XXXX signed by borrower same day. - Due Diligence Vendor-04/XX/2025 | Months Reserves exceed minimum required - 79.28 mos reserves; 6 mos required<br>Qualifying DTI below maximum allowed - DTI is 39.63% and max allowed is 50%<br>On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement. 0x30.than 25 months |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXX |
| XXXX | 563739 | XXXX C A | Closed | XXX | 2025-XX01 14:47 | 2025-XX08 11:52 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Recorded Deed of Trust w/legal. - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Document Uploaded. Uploaded recorded DOT - Seller-04/XX/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The Legal Description, referenced as Exhibit A, was not identified as a part of the mortgage. - Due Diligence Vendor-04/XX/2025 | Ready for Review-Document Uploaded. Uploaded recorded DOT - Seller-04/XX/2025<br>| Resolved-Received Recorded Deed of Trust w/legal. - Due Diligence Vendor-04/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico required 680, subject 709 <br>Months Reserves exceed minimum required - 6 months reserves required, Subject 59.74 Months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| XXXX | 565019 | XXXX C B A | Closed | XXX | 2025-XX02 11:12 | 2025-XX16 13:07 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional Assets. - Audited Reserves of 12.27 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-04/XX/2025 <br>Ready for Review-Document Uploaded. updated 1008, 1003 & asset statement - Seller-04/XX/2025 <br>Open-Audited Reserves of 7.06 month(s) are less than Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-04/XX/2025 | Ready for Review-Document Uploaded. updated 1008, 1003 & asset statement - Seller-04/XX/2025<br>| Resolved-Received additional Assets. - Audited Reserves of 12.27 month(s) are greater than or equal to Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-04/XX/2025<br>| Qualifying DTI below maximum allowed - Maximum DTI 43%, subject 37.92%.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - The Residual income is $33,234 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| XXXX | 565019 | XXXX C B A | Closed | XXX | 2025-XX02 11:15 | 2025-XX10 08:58 | Resolved | 1 - Information C A | Credit | Eligibility | Excessive Seller Contributions | Resolved-Received PCCD - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. PCCD just issued today - Seller-04/XX/2025 <br> Counter-Received note-originator working on condition. Please confirm if providing PCCD. - Due Diligence Vendor-04/XX/2025 <br> Ready for Review-Document Uploaded. I know this wasn't req'd, final SS uploaded, we're working on condition - Seller-04/XX/2025 <br> Open-Per final CD, seller contributions were XXXX exceed closing costs including POC of XXXX. Difference of $XX would have gone towards down payment which is not allowed - Due Diligence Vendor-04/XX/2025 | Ready for Review-Document Uploaded. PCCD just issued today - Seller-04/XX/2025 <br>Ready for Review-Document Uploaded. I know this wasn't req'd, final SS uploaded, we're working on condition - Seller-04/XX/2025<br>| Resolved-Received PCCD - Due Diligence Vendor-04/XX/2025<br>| Qualifying DTI below maximum allowed - Maximum DTI 43%, subject 37.92%.<br> Residual Income =/> 1.5 times $3,500 monthly residual income - The Residual income is $33,234 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | XXX |
| XXXX | 565019 | XXXX C B A | Closed | XXX | 2025-XX01 10:20 | 2025-XX01 11:12 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing - XX--Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/XX/2025 |  | Waived-Required Affiliated Business Disclosure Missing - XX--Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/XX/2025<br>| Qualifying DTI below maximum allowed - Maximum DTI 43%, subject 37.92%.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - The Residual income is $33,234 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | XXX |
| XXXX | 566318 | XXXX B A | Closed | XXX | 2025-XX02 11:43 | 2025-XX02 12:35 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-04/XX/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-04/XX/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 680 Fico required, subject 717<br>Months Reserves exceed minimum required - 6 months reserves required, 17.03 months verified |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | XXX |
| XXXX | 567385 | XXXX C A | Closed | XXX | 2025-XX04 14:19 | 2025-XX07 12:38 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Lender confirmed the loan does have a prepay. The tape is incorrect. - Due Diligence Vendor-04/XX/2025 <br>Open-The note identified a 60 month 5/XX/3/XX/1% prepayment penalty, the tape did not identify a prepayment penalty. - Due Diligence Vendor-04/XX/2025 |  | Resolved-Lender confirmed the loan does have a prepay. The tape is incorrect. - Due Diligence Vendor-04/XX/2025<br>| Credit history exceeds minimum required - Paid as agreed mortgage history back to 2002<br>Months Reserves exceed minimum required - 6 months reserves required, 12.59 months verified. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXX |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 474726 | XXXX | XXXX A B |
| XXXX | 474733 | XXXX | XXXX A |
| XXXX | 475523 | XXXX | XXXX A C B |
| XXXX | 476830 | XXXX | XXXX C A B |
| XXXX | 480130 | XXXX | XXXX C A |
| XXXX | 490953 | XXXX | XXXX A |
| XXXX | 490958 | XXXX | XXXX D A |
| XXXX | 499621 | XXXX | XXXX A C |
| XXXX | 500573 | XXXX | XXXX C B A |
| XXXX | 504256 | XXXX | XXXX A |
| XXXX | 505711 | XXXX | XXXX D A |
| XXXX | 505866 | XXXX | XXXX A |
| XXXX | 506037 | XXXX | XXXX A |
| XXXX | 507203 | XXXX | XXXX A |
| XXXX | 516606 | XXXX | XXXX A B |
| XXXX | 518152 | XXXX | XXXX D A C B |
| XXXX | 519126 | XXXX | XXXX A |
| XXXX | 521249 | XXXX | XXXX D A |
| XXXX | 521495 | XXXX | XXXX A |
| XXXX | 523937 | XXXX | XXXX C A |
| XXXX | 525765 | XXXX | XXXX A C |
| XXXX | 525804 | XXXX | XXXX C A |
| XXXX | 526857 | XXXX | XXXX C A B |
| XXXX | 529690 | XXXX | XXXX A |
| XXXX | 530102 | XXXX | XXXX A |
| XXXX | 549037 | XXXX | XXXX D A |
| XXXX | 552709 | XXXX | XXXX D A |
| XXXX | 552733 | XXXX | XXXX A |
| XXXX | 559268 | XXXX | XXXX A |
| XXXX | 559269 | XXXX | XXXX A C |
| XXXX | 563739 | XXXX | XXXX C A |
| XXXX | 565019 | XXXX | XXXX C B A |
| XXXX | 566318 | XXXX | XXXX A B |
| XXXX | 567385 | XXXX | XXXX C A |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 474726 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | 474733 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 475523 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 53.64 | 53.64 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 476830 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 480130 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.6 | 75.6 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 490953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 490958 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 499621 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.19 | 70.19 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 500573 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | 504256 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 505711 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 505866 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 506037 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 84.66 | 84.66 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 507203 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 516606 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 518152 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 519126 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 42.86 | 42.86 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 521249 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.69 | 59.69 | XXXX | XXXX | -.0053 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 521495 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0205 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0205 | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 523937 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 33.61 | 33.61 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  |  |
| XXXX | 525765 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 525804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 79.57 | 79.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 526857 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 529690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 530102 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 549037 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 552709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 552733 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 559268 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 559269 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 563739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 565019 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 74.87 | 74.87 | XXXX | XXXX | .0000 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 566318 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 567385 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | 474733 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2800 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2800 | Actual In Place Rent | No | 110.33 | 1.14 | 1.103 | 2537.6 | 2800 | 12-12-2024 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2800 |  |  |  |  |  |  |  | No | 25.5 | 1 | 1 | N/A | 86.77 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 475523 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3000 | Appraisal - 1007 | No | 132.53 | 0.75 | 0.755 | 3975.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3000 |  |  |  |  |  |  |  | No | 2.6 | 1 | 1 | N/A | 134.01 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 476830 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Appraisal - 1007 | No | 71.52 | 1.39 | 1.398 | 2503.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | 18.8 | 1 | 1 | N/A | 24.68 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 490953 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5000 | Appraisal - 1007 |  | N/A |  |  | 5000 | Appraisal - 1007 | No | 179.63 | 0.55 | 0.557 | 8981.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 5000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.82 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 490958 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4700 | Appraisal - 1007 |  | N/A |  |  | 4700 | Appraisal - 1007 | No | 184.11 | 0 | 0 | 8653.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 4700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 4.21 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 505711 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 7500 | Appraisal - 1025 |  | N/A |  |  | 7500 | Appraisal - 1025 | No | 72.03 | 1.38 | 1.388 | 5401.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 7500 |  |  |  |  |  |  |  | No | 2.2 | 1 | 1 | N/A | 28.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 518152 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 96.1 | 1.041 | 1.041 | 1922.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 2000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 5.54 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 521249 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4375 | Appraisal - 1007 |  | N/A |  |  | 4375 | Appraisal - 1007 | No | 130.7 | 0.76 | 0.765 | 5718.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 4375 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.72 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 525804 | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 120.51 |  | 0 | 2289.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.25 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 552709 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1790 | Appraisal - 1007 |  | N/A |  |  | 1790 | Appraisal - 1007 | No | 125.13 | 0.799 | 0.799 | 2239.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 1790 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 42.44 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 552733 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2900 | Appraisal - 1007 | No | 128.74 | 0.77 | 0.777 | 3733.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2900 |  |  |  |  |  |  |  | No | 1 | 1 | 1 | N/A | 14.25 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 567385 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2000 | 2700 | Appraisal - 1007 |  | N/A |  |  | 2700 | Appraisal - 1007 | No | 154.19 | 0.48 | 0.48 | 4163.15 | 2000 | 03-28-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX |  | 2700 |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 | N/A | 12.59 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_002.jpg)

![](ex99-4_001.jpg)

****<br>**July 30, 2025**<br>**Due Diligence Narrative Report**<br>

![](ex99-4_002.jpg)

**Table of Contents**

---

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

---

 ****

PRPM 2025-NQM3 Due Diligence Narrative Report Page \| 1 June 30, 2025

![](ex99-4_002.jpg)

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-4_003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](ex99-4_004.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

Clayton Services LLC (Clayton") conducted an independent third-party pre-securitization due diligence review of residential loans selected for the PRPM 2025-NQM3 transaction. The loans referenced in this narrative report were reviewed on a flow basis from March 2022 to April 2025. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review. The population of 82 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Broker | 79 | 96.34% |
| &nbsp;&nbsp;Retail | 3 | 3.66% |
| &nbsp;&nbsp;**Total** | **82** | **100.00%** |

---

PRPM 2025-NQM3 Due Diligence Narrative Report Page \| 2 June 30, 2025

![](ex99-4_002.jpg)

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

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

SAMPLING

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

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review Type** | &nbsp;&nbsp;**Loan Count Reviewed by Cloyton** | &nbsp;&nbsp;**Scope Applied** |
| &nbsp;&nbsp;**Full Review** | &nbsp;&nbsp;82 | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan<br> Population** | &nbsp;&nbsp;82 |  |

---

Sponsor acquisition criteria

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

Clayton was supplied with all of the changes to the guidelines with advance notice.

Loan Grading

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

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

PRPM 2025-NQM3 Due Diligence Narrative Report Page \| 3 June 30, 2025

![](ex99-4_002.jpg)

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Credit** | **Credit** | **Property** | **Property** | **Compliance** | **Compliance** |
| **Grade Description** | **Multiple\*** | **S&P** | **Multiple\*** | **S&P** | **Multiple\*** | **S&P** |
| No exceptions noted | A | A | A | A | A | A |
| Satisfied (previously material) exceptions | A | A | A | A | A | A |
| Non-material exceptions noted | B | B | B | B | B | B |
| Material, exceptions noted | C | C | C | C | C | C |
| Material documentation missing | D | D | D | D | D | D |

---

\* *This grade definition is used by multiple entities, including Moody's, Kroll, DBRS, Morningstar, and Fitch*

TPR Component Review Scope

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

&nbsp;&nbsp;&nbsp;&nbsp;Credit Review

Clayton's Credit scope of review conducted on 82 loans in this transaction included the following elements (for more detail, please refer to <u>Appendix A</u> and to the guidelines cited above):

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Noted the field of employment and business company name for employment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ The debt service coverage ratios (DSCR) are independently calculated and reviewed by Clayton and compared against the Sponsor Acquisition
Criteria.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Review 1003/Application/Declarations and other documentation in the file to support occupancy is for investment purposes.

PRPM 2025-NQM3 Due Diligence Narrative Report Page \| 4 June 30, 2025

![](ex99-4_002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment (82 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (82 loans)

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

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

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

For further detail please refer to the PRPM 2025-NQM3 Valuations Summary Report.

&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

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

PRPM 2025-NQM3 Due Diligence Narrative Report Page \| 5 June 30, 2025

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

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

- Prepayment Penalty restrictions.

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

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

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

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

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

PRPM 2025-NQM3 Due Diligence Narrative Report Page \| 6 June 30, 2025

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

State and Federal High Cost and Higher-Priced:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago High Cost Ordinance

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

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

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

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

Data Integrity

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

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

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

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

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

Data Capture

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

PRPM 2025-NQM3 Due Diligence Narrative Report Page \| 7 June 30, 2025

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**Data Compare Results**

Clayton provided PRPM 2025-NQM3, LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **Accuracy %** |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | 1 | 98.78% |
| &nbsp;&nbsp;Borrower 1 Total Income | 3 | 96.34% |
| &nbsp;&nbsp;Borrower 2 First Name | 1 | 98.78% |
| &nbsp;&nbsp;Borrower 2 Last Name | 1 | 98.78% |
| &nbsp;&nbsp;Cash Reserves | 36 | 56.10% |
| &nbsp;&nbsp;Combined LTV | 11 | 86.59% |
| &nbsp;&nbsp;Disbursement Date | 8 | 90.24% |
| &nbsp;&nbsp;DTI Qualifying (Back) | 1 | 98.78% |
| &nbsp;&nbsp;Loan Purpose | 1 | 98.78% |
| &nbsp;&nbsp;Min Number | 1 | 98.78% |
| &nbsp;&nbsp;Months Reserves | 35 | 57.32% |
| &nbsp;&nbsp;Original Appraisal Date | 2 | 97.56% |
| &nbsp;&nbsp;Periodic Rate Cap | 1 | 98.78% |
| &nbsp;&nbsp;Product Type | 6 | 92.68% |
| &nbsp;&nbsp;Property Type | 10 | 87.80% |
| &nbsp;&nbsp;Representative Credit Score for Grading | 1 | 98.78% |
| &nbsp;&nbsp;Total Cash Out | 40 | 51.22% |
| &nbsp;&nbsp;Total Monthly Income | 3 | 96.34% |

---

PRPM 2025-NQM3 Due Diligence Narrative Report Page \| 8 June 30, 2025

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**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 48 |  | 7 | 16 | **71** |
| **Final** | **B** |  | 6 | 2 | 3 | **11** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **48** | **6** | **9** | **19** | **82** |

---

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

**Initial and Final Credit Component Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 56 |  | 4 | 13 | **73** |
| **Final** | **B** |  | 4 | 3 | 2 | **9** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **56** | **4** | **7** | **15** | **82** |

---

**Initial and Final Property Valuation Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 72 |  | 1 | 5 | **78** |
| **Final** | **B** |  | 4 |  |  | **4** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **72** | **4** | **1** | **5** | **82** |

---

PRPM 2025-NQM3 Due Diligence Narrative Report Page \| 9 June 30, 2025

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**Initial and Final Regulatory Compliance Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 52 |  | 3 | 1 | **56** |
| **Final** | **B** |  |  | 1 | 1 | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **52** | **0** | **4** | **2** | **58** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (24 Loans)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

PRPM 2025-NQM3 Due Diligence Narrative Report Page \| 10 June 30, 2025

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**ApPendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

- Citizenship status

- Non- occupant co-borrower

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

Maximum loan amount

- Loan purpose

- Occupancy

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

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

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

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

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

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

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

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

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

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared IRS tax transcripts to income documentation and noted any inconsistencies

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial statements

PRPM 2025-NQM3 Due Diligence Narrative Report Page \| 11 June 30, 2025

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Credit Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

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

- Title interest – determined if

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

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;o HUD1 (Settlement Statement) review included:

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

PRPM 2025-NQM3 Due Diligence Narrative Report Page \| 12 June 30, 2025

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- Loan purpose confirmed

&nbsp;&nbsp;&nbsp;&nbsp;o Hazard/Flood insurance review included:

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

- Confirmed that any required insurance was for the:

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

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

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

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

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

- Determined if mortgage insurance is required

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

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

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

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

- Social Security inconsistencies

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

PRPM 2025-NQM3 Due Diligence Narrative Report Page \| 13 June 30, 2025

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**Appendix B: Origination Appraisal Assessment**

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

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

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

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

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

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

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

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

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

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

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject front, rear and street photos and valued features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Photos of all comparable sales and listings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location map

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Exterior sketch of property with dimensions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1004MC Market Conditions Report

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant occupancy

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

– Style of property was reviewed to determine if unique property

- Any health and safety issues were noted and/or remediated

- Locational and/or environmental concerns adequately addressed if present

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

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

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

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

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

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

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

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

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

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

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

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

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

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

F. Disclaimer

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

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

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

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

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

G. Desk Review definitions

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

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

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**Appendix C: Regulatory Compliance Review Scope**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains
documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements
This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will
be reviewed to ensure the lender documented thatthey considered and verified the 8 underwriting factors as required for ATR compliance. This review also includes evaluating loans against
the new TILA prepayment penalty restrictions (Section 43)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application Requirement Testing:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing Requirements:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee Tolerances:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment Schedule Accuracy:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy of the Loan Calculations

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency within and across forms

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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with
a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the
section referenced.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion of the LE and CD

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected CD requiring a new waiting period

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close CD's

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside of Clayton's default TRID scope:

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

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

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

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

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

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

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

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

**A.** **Higher-Priced** 

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

---

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

---

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

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

---

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

---

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

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

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

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

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

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

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

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

---

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

---

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

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

---

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

---

PRPM 2025-NQM3 Due Diligence Narrative Report Page \| 21 June 30, 2025

![](ex99-4_002.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

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

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

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

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

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

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

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

PRPM 2025-NQM3 Due Diligence Narrative Report Page \| 22 June 30, 2025

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **PRPM 2025-NQM3** | **PRPM 2025-NQM3** | **PRPM 2025-NQM3** | **PRPM 2025-NQM3** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **3/30/2022 - 4/9/2025** | **3/30/2022 - 4/9/2025** | **3/30/2022 - 4/9/2025** | **3/30/2022 - 4/9/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **82** | **82** | **82** | **82** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *82* | *82* | *82* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *34* | *34* | *34* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Final Securitization Condition Grade** | **Initial S&P Condition Grade** | **Final S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 4ACF06A6-37F9-433D-8A11-9450CB6A2801 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Missing 1004D verifying subject is completed per specs and plans. 1004Ds provided are for recertification of value. | 4-2-25: client uploaded 1004D. | 4-2-25: Clayton reviewed 1004D/442 done XXX which verifies property was completed. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $26208.43, 7.62 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 761 exceeds the minimum of 700<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years living at current primary residence |
| 2B4B1C22-3A3D-4AD5-AE90-09A5C8000E0C | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Property Valuations | FEMA | Active | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the FEMA Disaster XXX Hurricane XXX. Clayton grades FEMA: Natural Disaster Area, no subsequent inspection (Public) as a non-material B due to the fact that FEMA Public Assistance disasters encompass work eligible for reimbursement through a public assistance grant. These can include: debris removal, emergency protective measures, maintenance of roads and bridges, water control facilities, utilities, parks and recreational facilities. Public Assistance does not indicate that damage has occurred to personal property and does not have a substantive impact on the property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 50.85% is 9.15% below the 60% LTV allowed for the program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 51 months PITIA is 45 months greater than the 6 months reserves required. |
| E6A0E8FE-D422-4A58-8D13-FEE9C51C323D | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 24 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 7.87 months piti reserves. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 46.43% is below the maximum allowable of 65%. |
| D78E9A1A-FB8F-4C59-A2A9-B315F87BC239 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Property Valuations | Property | Active | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Subject property has an improper kitchen (mini-fridge, 2-burner stove and a sink). subject property is XXX square feet in size which is under the 500 sq feet minimum per guidelines. 2 Loan Exception Requests in file. Clayton deems non-material/non-fatal to lending decision due to LTV of 60%/65% is maximum for condotel. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6.32 months of reserves in file. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV per review; 65% LTV is maximum allowed per guidelines. |
| B23FCD26-AEFD-4096-AE03-141312F2418D | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 171 months PITIA is 165 months greater than the 6 months reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is 5% below the 75% LTV allowed for the program. |
| 6118E1F2-6BAB-469D-A41B-3949029B3882 | XXXXXX | MT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing documentation of taxes and insurance payments for XXX (counted $44.28 per month) and evidence property was owned free and clear prior to new lien of $XXX on XXX. | 2-3-25 Client uploaded tax documents and property report. | 2-3-25 Clayton reviewed information reflecting property is vacant land. Counted $44.28 in DTI. Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 27 months reviewed for primary residence mortgage exceeds the 12 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 775 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $68,847.01, 20.76 months reserves, 6 months required |
| 6118E1F2-6BAB-469D-A41B-3949029B3882 | XXXXXX | MT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing documentation of taxes and insurance payments for XXX (counted $44.28 per month) and evidence property was owned free and clear prior to new lien of $XXX on XXX. | 2-3-25 Client uploaded tax info and property report indicating vacant land. | 2-3-25 Clayton reviewed information reflecting property is vacant land. Counted $44.28 in DTI. Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 27 months reviewed for primary residence mortgage exceeds the 12 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 775 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $68,847.01, 20.76 months reserves, 6 months required |
| 9BAA7C9C-62E2-486B-A86A-7A572FD599DD | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $48,436.04, 10.44 months; 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 756 and minimum is 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Co applicant mortgage payment history shows no late payments with 8 years history. |
| 4F3A4992-DC06-49B4-AE29-3FB8C39F9B38 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years living at primary address.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 36 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 14.01 months of reserves in file. 6 months required. |
| E6D503CC-6C08-44DA-B7C5-B816450B5665 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing verification of XXX account reflecting the deposit of proceeds from sale of XXX.File contained an Estimated Unsigned HUD reflecting proceeds of $XXX which was dated XXX and subject loan closed XXX. File indicates an updated transaction history was provided which could not be located in the file. | 2-3-25: client uploaded copy of HUD1 for the subject property.2-3-25: Clayton reviewed copy of HUD1 for subject property; Clayton is requesting copy of the final HUD1 for sale of the XXX property to update the estimated document dated XXX.2-3-25 Client uploaded final HUD for XXX. | 2-3-25: Provide copy of the final HUD1 for sale of XXX property, showing updated proceeds to borrower used to close this transaction. Exception remains.2-4-25 Clayton reviewed final HUD from sale and updated assets. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 mid-score per CBR. 700 minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 230 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $76,689.65 = 15.28 months of reserves. 0 months required. |
| 6DF6859B-F1CE-426F-B97E-9EF64CFBCD61 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 37.04% is below the maximum of 75%<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $XXX above the required $XXX down payment for a total down payment of $XXX. |
| DBBEC5AE-531D-4F8E-ADE9-A83FC21B449C | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 58.76% and maximum is 80% due to gift of equity<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $16,760.35, 4.15 months; no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 762 and minimum is 680 based on P&L documentation |
| A36F665D-17D8-42CD-B8FD-AC51E997F570 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 739 exceeds the minimum of 700<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99 months reviewed for primary residence mortgage exceeds 12 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 15% revolving credit usage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $99930.75, 41.14 months reserves, 6 months required |
| 988CBD9D-353D-41C5-9761-E667916265C4 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3036 | Assets reflect unsourced deposits | No | Missing evidence of large deposit/transfer of $XXX to XXX XXX from XXX. | 2-19-25 Client uploaded bank statement for XXX. | 2-19-25 Clayton reviewed bank statement and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 24 years 1 month at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 126.77 months PITIA is greater than the 6 months reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 32.62% is 17.38% below the 50% allowed for the program. |
| 0918D7EC-7E97-4CDE-A861-3E3A097C616A | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 28 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 457 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 137 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 19.59 months of reserves in file. 6 months required. |
| 639B742B-C997-4EF2-9724-DFF385DC1316 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current address for 11 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 26.73 months piti reserves. 6 months required. |
| BFE1281B-98F1-4524-ADFC-EAC87CE4A751 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 797. G/l min is 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 1% consumer credit utilization in file<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 mortgage payment history past 48 months |
| BDB04DD3-FE89-45FF-88FA-70E4ADFD9D23 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 2 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 7.22 months of reserves in file. 6 months required. |
| A427DB35-8E28-4F8A-BD3E-6FD04BF688C6 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $28,803.55, 10.78 months piti reserves. 6 months required. |
| 84568765-4F2A-4C9B-B05B-8A97EB6DDAD3 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing borrower's search on the XXX Participants report. There is an OFAC search in the file of borrower returning no results | 2-18-25 Client uploaded participant detail report. 2-18-25 Client uploaded fraud report. | 2-18-25 Clayton reviewed report which does not reflect borrower's name in the list of participant's. Exception remains. 2-18-25 Clayton reviewed report which has borrower's name checked in participants list. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $195783.51, 83.46 months reserves, 6 months required |
| 84568765-4F2A-4C9B-B05B-8A97EB6DDAD3 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Active | C | B | C | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing an Apostille due to documents signed outside the US and unable to determine if the documents were notarized by a US embassy or consular official (Guidelines Section 1.3.2.3 Page 17) as seal on mortgage is illegible. Borrower is XXX and document signed in XXX. | 2-21-25 Client uploaded notary license and explained "per notary - a XXX notary can notarize US documents." 3-5-25 Client uploaded an approved exception. | 2-21-25 Clayton reviewed notary license which does not meet the guidelines. Guidelines state: "Documents signed borrowers outside of the United States must meet the standard notarial requirements and must include the embassy or consular seal. If the U.S. embassy or consular official is unavailable, a notary is acceptable if the country, where signing is taking place, is part of the XXX Convention and the signed documents are accompanied by an Apostille." (GL Section 1.3.2.3 Page 17.)Exception remains. 3-5-25 Clayton reviewed approved exception for documents signed in XXX to be notarized by a XXX notary without the requirement of an Apostille as required per Guidelines. Clayton deems non-material/non-fatal to lending decision as US and Florida state will allow documents to be notarized by a XXX notary without an Apostille. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $195783.51, 83.46 months reserves, 6 months required |
| 7A8A804B-BF6A-427D-B053-1160AEB6B253 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 188.71 months of reserves in file. 6 months required. |
| 1DA22729-0F69-40F8-84DB-AF4B4B54D070 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing XXX report - Participant detail report verifying all participants including the borrower have been cleared. | 2-11-25: Client uploaded 11 page fraud report.2-12-25: Client uploaded 3 page fraud report. | 2-11-25: Clayton reviewed the 11 page fraud report; it is a duplicate to what was reviewed in file pages 115-125 and the full copy of the participant Detail Report is not found, the only participant found is the appraiser. Clayton requires copy of the full and complete Participant Detail Report from the Fraud report. Exception remains.2-13-25: Clayton reviewed the 3 page fraud report, it is the participant list, all are cleared. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below the maximum of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $489946.56, 188.39 months reserves, 6 months required |
| C2A75347-830A-43DF-B5EB-FB4D33F10034 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Credit | Application | Satisfied | D | A | D | A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing borrower's name checked on the XXX Participant detail report. | 2-12-25; Client uploaded participant detail report. | 2-12-25; Clayton reviewed XXX Participant report, all issues cleared. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $490117.05, 190.89 months reserves, 6 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below the maximum of 75% |
| CEDDEA4C-CB28-4627-A85F-0AC0F762DECC | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 185.53 months of reserves in file. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines. |
| C7EE7FB1-1B97-4337-8898-1F6823F7AC2F | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 29% consumer credit utilization in file<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%. Max per g/l is 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 723. G/l min is 680 |
| EF8C5C01-54A8-4E69-B51C-24659C7A92BC | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Apostille due to documents signed outside the US. Per guidelines 1.3.2.3, documents notarized outside US and not at a US Embassy, are to be accompanied by an Apostille | 2-28-25 Client uploaded Apostille. | 2-28-25 Clayton reviewed Apostille and file. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $14871.27, 6.67 months reserves, 6 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below the maximum of 75% |
| 885D9B94-C1E6-4616-8E95-0F1CDE1FEB00 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Missing signed copy of the loan application for XXX that includes residency status; file also does not contain an unsigned copy of the application. | 2-18-25 Client uploaded 1003. | 2-18-25 Clayton reviewed 1003. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 13.99 months piti reserves. 6 months required. |
| 885D9B94-C1E6-4616-8E95-0F1CDE1FEB00 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation for Appraisal dated XXX. Desk review in file is for appraisal dated XXX by XXX. Provide missing desk review for appraisal dated XXX AND Missing appraisal dated XXX for $XXX. | 2-20-25 Client uploaded CDA. 2-24-25 Client emailed rebuttal. 2-24-25 Client sent email rebuttal regarding missing appraisal dated XXX: The XXX is a business purpose loan and is not a covered loan, therefore, the HPML flip requirements do not apply as specified in the guidelines. | 2-21-25 Clayton reviewed CDA for appraisal dated XXX which is acceptable. However, Still missing appraisal dated XXX. Exception remains. 2-24-25 Clayton reviewed file and responded: File indicates the transaction was considered a property flip due to seller purchasing the property XXX for $XXX and then selling it to borrower on XXX (contract date) for $XXX. Which is why two appraisals were required. Exception remains. 2-25-25 Clayton reviewed email, loan file and guidelines. Missing appraisal dated XXX is not required per guidelines and therefore was not provided. Missing desk review for appraisal dated XXX was provided and therefore satisfies this Exception. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 13.99 months piti reserves. 6 months required. |
| 34299D9B-E6F2-4719-B210-6B643BC06350 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing passport as required by guideline XXX (Page 17). Border Crossing Card is not listed in guidelines as a substitute. | 2-18-25 Client uploaded passport. | 2-18-25 Clayton reviewed passport. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 53.42%. G/l max is 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 12.58 months reserves. 6 months required. |
| 1CC02B97-2B27-4688-8285-EF015033A23A | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $18,922.35 reserves in file; 8.06 months PITIA. Required reserves $2,349.15 x 6 = $14,094.90.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 10 years at current residence. |
| 9B3B004D-C0BA-4EB2-8966-6C17135EF69A | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Provide updated Evidence of Insurance removing the second mortgage with XXX. | 4.4.25 updated HOI received. | 4.4.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 690 is above the required 680.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 26 months exceeds the required 12 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the subject property for 34 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $26,027.83, 11.43 months. 6 months required. |
| AC3F5C47-CC12-4488-8543-96D8865D1C38 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 mid-score per CBR. 660 minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 14.52 months of reserves in file. 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV per review; 85% LTV is maximum allowed per guidelines. |
| 7D5CADC4-3093-432A-AC71-28FFCE1EBEF9 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 638 mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 7.6 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 157 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 11.73 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.89% LTV per review; 65% LTV is maximum allowed per guidelines. |
| 152A62E4-E949-4604-9BA6-9189CB726EC8 | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 13.56%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years 2 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 124 months PITIA is 118 months greater than the 6 months reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 794 is 114 points above the 680 FICO required for the program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI (Back) of 36.01% is 13.99% below the 50% allowed for the program. |
| 79AA0FE8-5033-4781-9C12-75953F5F36B1 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been in current job for 15 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 57.45% and maximum is 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $143,642.99, 20.61 months; no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 776 and minimum is 680 |
| 3520979B-A03E-48FF-9DC8-BA3412CF1860 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $16,996.83, 8.87 months; no reserves required. |
| F20F3BC3-7DBA-446E-81B4-DD3C7DFB4C0F | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing an enhanced desk review, AVM, field review or 2nd appraisal due to CU and LCA scores exceed 2.5. Desk review provided is for a different appraisal. Desk Review dated XXX. Appraisal provided dated XXX. | 4-11-25 Client uploaded AVM. | 4-11-25 Clayton reviewed AVM and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 791 exceeds the minimum of 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 13% of revolving credit utilized<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 40 months reviewed for primary residence mortgage exceeds the required 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $36975.42, 6.7 months reserves, 6 months required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years residing in primary residence |
| B1D09FC3-1866-48DF-8425-75340D88405B | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 95.97 months piti reserves. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 67% is below the maximum allowable of 75%.<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $XXX above the required $XXX down payment for a total down payment of $XXX. |
| AB28F732-CCD8-471D-AF12-E5070A57537E | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $577095.56, 250.26 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 698 exceeds the minimum of 680<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 51 months reviewed for primary residence mtg exceeds the 12 months required |
| C0008E76-B060-43E3-B7A3-73BB02A351C3 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 10.04 months PITIA is 4.04 months greater than the 6 months reserves required. |
| A0F222FA-52ED-45C5-B1AE-B5F84400CBEF | XXXXXX | CA | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Active | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | 6 months of reserves required; file contained 3.72 months of reserves, short 2.28 months. Clayton deems non-material/non-fatal to lending decision due to Credit score of 701/700 minimum, 20 years at current residence, and minimal payment increase of $301.37 or less than 5% increase. | 2-13-25 Client uploaded exception. | 2-13-25 Clayton reviewed exception. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 20 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 mid-score per CBR. 700 minimum.<br>CFCFS1747: Housing expense increase is 10% or less<br> - Clayton Comments: Housing increase is less than 5%. Subject loan $XXX/refinanced loan $XXX. |
| 3B0CAE7D-FC32-43E1-B4B0-CAF794C9FBF5 | XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Assets | Active | B | B | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing sufficient reserves to cover 30 day account with XXX for $43,366 and 3 months reserves of $47,036.04 for a total of $90,372.04. Verified assets of $XXX. Borrower is short $609.21 for reserves; 3 months are required, reserves are 2.96 months. PITIA for reserves based on $13,891.23 P&I +$1373.20 taxes + $414.25 insurance = $15,678.68 as disclosed on the 1st payment letter and the final 1003. Clayton considers this non material as shortage is less than $1000, borrower has excellent credit history with credit score of 725, and LTV is 66.67%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 66.67% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 725 exceeds the minimum of 680<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced $1852.53 per month or 10.57% |
| 3B0CAE7D-FC32-43E1-B4B0-CAF794C9FBF5 | XXXXXX | MA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Active | C | B | C | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing documentation verifying if XXX is a CPA or Tax Preparer and existence of business license. P&Ls were prepared by XXX however borrower's tax preparer is XXX. | 4-15-25 Client uploaded exception for P&L prepared by a registered financial advisor. | 4-16-25 Clayton reviewed exception for use of P&L prepared by a registered financial advisor and the file. Clayton deems non-material/non-fatal to lending decision due to compensating factors: LTV 66.17%/75% maximum, 725 credit score/680 minimum, and Payment reduction of $1852.53 per month or 10.57%. Exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 66.67% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 725 exceeds the minimum of 680<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced $1852.53 per month or 10.57% |
| 89C84A6F-CDB9-44E2-B613-5763D2F0B8D6 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $104,569.31 or 23.97 months; 6 mos. reserves required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 15 mos. 0x30, 3 mos. 0x30, and 17 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 681 is above the required 680. |
| 4D4EC5E2-85D8-4C4B-8CAA-78B7B90BDB8C | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 24 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 45 months reviewed |
| BD1F338C-CCAE-4B77-8D71-A07FDFC9386D | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: File has 14 months in reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 171, min is 620.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan to value is 70%, max is 75%. |
| E7BD6D0B-FC4E-43DF-88ED-AB830068BC01 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt of iniital CD issued XXX. | 1.23.25-Client provided CD issued XXX, e-signed XXX. Exception satisfied. | 1.23.25- Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $214,389.30 or 81.74 months PITI reserves; 0 required reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned the primary residence 12.25 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV; maximum 65% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 673 credit score; 600 minimum required score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.14% DTI; 55% maximum DTI |
| E7BD6D0B-FC4E-43DF-88ED-AB830068BC01 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt of iniital CD issued XXX. | 1.23.25-Client provided CD issued XXX, e-signed XXX. Exception satisfied. | 1.23.25-Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $214,389.30 or 81.74 months PITI reserves; 0 required reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned the primary residence 12.25 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV; maximum 65% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 673 credit score; 600 minimum required score<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 31.14% DTI; 55% maximum DTI |
| A00CFAB1-C53C-4CA3-AF94-AF7D4312F171 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt of CD issued XXX. | 2.20.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 2.20.25-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $140,567.64 post closing reserves, 42.42 Months PITIA.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 758 exceeds 620 requirement .<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: DTI 39.02 below 80% requirement. |
| A00CFAB1-C53C-4CA3-AF94-AF7D4312F171 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide confirmation of receipt for initial CD XXX. | 2.20.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 2.20.25-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $140,567.64 post closing reserves, 42.42 Months PITIA.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 758 exceeds 620 requirement .<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: DTI 39.02 below 80% requirement. |
| A00CFAB1-C53C-4CA3-AF94-AF7D4312F171 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Provide Citizenship for the loan application on the Co-Borrower. | 2.19.25 CD page for the B2 with citizenship marked has been uploaded,2.20.25 exception satisfied | 2.20.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $140,567.64 post closing reserves, 42.42 Months PITIA.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 758 exceeds 620 requirement .<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: DTI 39.02 below 80% requirement. |
| A00CFAB1-C53C-4CA3-AF94-AF7D4312F171 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Credit | Credit/Mtg History | Active | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 month history for the subject property. Clayton deems exception non material /non fatal to the lending decision. DTI 39.02 below 80% requirement. FICO 758 exceeds 620 requirement. 42 months reserves. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $140,567.64 post closing reserves, 42.42 Months PITIA.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 758 exceeds 620 requirement .<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: DTI 39.02 below 80% requirement. |
| A00CFAB1-C53C-4CA3-AF94-AF7D4312F171 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide the Income Worksheet for the Co-Borrower with the expense factor. | 2.19.25 Income worksheet with expense factor has been uploaded,2.20.25 exception satisfied | 2.20.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $140,567.64 post closing reserves, 42.42 Months PITIA.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower does not have any major mortgage related occurrences<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO 758 exceeds 620 requirement .<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: DTI 39.02 below 80% requirement. |
| 1A13CD74-1F98-4B4D-A2FD-93B627E426B3 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing final settlement statement for concurrent refinance loan closing #XXX, to source funds to close and 3 months reserves requirement. | 1.3.2024-Client's response: January 3rd 2025, 11:16:26 amThe final HUD for loan XXX which supports the reserves has been uploaded, please clear condition.1.3.2024-Clayton's response: Received the Final HUD1 for XXX #XXX, exception satisfied. | 1.3.2024-Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guideline requirements<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 228 months with 0x30 consumer credit payment history exceeds guidelines of 24 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70.0% LTV < guideline requirement of 75.% |
| 618DCC57-E85C-448B-AC3E-7530C4BE1525 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash back $61691.74, 49.72 months reserves, 0 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 54.85% is below the maximum of 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 779 exceeds the minimum of 640<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Primary residence mortgaged reviewed for 44 months exceeds the 12 months required |
| B0FA4968-7E25-482D-8ADE-EF6F15A63D42 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower have owned primary / current residence for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $66,271.80 reserves in file or 33.23 months PITI > required guidelines<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower have stable employment being XXX with same company for the past 10 years |
| 82C5B630-110F-43CD-B8DB-E61D30F9DD1C | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $100,523.82, or 30.93 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 704 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.0.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has never been 1X30 with history from XXX. |
| A5C57928-38C4-4DE9-BCA4-321090F7FC12 | XXXXXX | WI | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 112+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48+ Months reporting positive<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 48+ Months positive Mortgage History |
| 751200C8-BA94-4B5D-9181-42AC3E11456C | XXXXXX | TN | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | B | B | C | B | C | B | C | B | B | B | C | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR, Clayton status is NON-QM due to violating Qualified Mortgage Threshold; Benchmark Date XXX, loan has a test APR 9.061%, the Benchmark Rate was 6.760%; Variance 2.301%; max allowed is 2.2500%. | 1.23.25: lender agrees with NONQM status | 1.23.25: exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 58 months PITIA vs 0 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years 5 months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.22% is 20.78% below the 65% LTV allowed for the program. |
| 751200C8-BA94-4B5D-9181-42AC3E11456C | XXXXXX | TN | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | B | B | C | B | C | B | C | B | B | B | C | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2906 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | No | Clayton status is ATR Risk: Non-QM - Lender did not document all ATR UW factors due to Debt Ratio of 54.03% being greater than the maximum Debt Ratio of 50% allowed for a borrower with disposable income less than $4,000. | 1.23.2025-Pre-close exception approval provided by lender meets ATR/QM regulation; this issue would no longer prevent a QM grade; however, Loan has other compliance issues with violating Qualified Mortgage Threshold; but this exception is satisfied | 1.23.2025: exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 58 months PITIA vs 0 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years 5 months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.22% is 20.78% below the 65% LTV allowed for the program. |
| 751200C8-BA94-4B5D-9181-42AC3E11456C | XXXXXX | TN | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | B | B | C | B | C | B | C | B | B | B | C | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | No | Residual income of $3,905.08 is less than the minimum residual income of $4,000 required with a Debt Ratio of 54.03%. | 1.23.2025-Pre-close exception approval provided by lender meets ATR/QM regulation; this issue would no longer prevent a QM grade; however, Loan has other compliance issues with violating Qualified Mortgage Threshold; but this exception is satisfied | 1.23.2025: exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 58 months PITIA vs 0 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years 5 months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.22% is 20.78% below the 65% LTV allowed for the program. |
| 751200C8-BA94-4B5D-9181-42AC3E11456C | XXXXXX | TN | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | B | B | C | B | C | B | C | B | B | B | C | B | Compliance | Finance Charge Tolerance | Satisfied | B | B | B | B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance charge on final CD is $XXX. Calculated Finance charge is $XXX. Finance charge understated by $315.98. This was corrected with PCCD XXX. Exception satisfied. | This was corrected with PCCD XXX. Exception satisfied. | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 58 months PITIA vs 0 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years 5 months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.22% is 20.78% below the 65% LTV allowed for the program. |
| 751200C8-BA94-4B5D-9181-42AC3E11456C | XXXXXX | TN | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | B | B | C | B | C | B | C | B | B | B | C | B | Compliance | Finance Charge Tolerance | Satisfied | B | B | B | B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | Final Cd XXX Amount financed is $XXX. Calculated amount financed is $XXX. This is a difference of $315.98. This was corrected with PCCD XXX. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 58 months PITIA vs 0 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years 5 months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.22% is 20.78% below the 65% LTV allowed for the program. |
| 751200C8-BA94-4B5D-9181-42AC3E11456C | XXXXXX | TN | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | B | B | C | B | C | B | C | B | B | B | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | B | B | B | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | Total of payments on final CD XXX is $XXX. Calculated total of payments is $XXX. This is a difference of $315.98. This was corrected with PCCD XXX. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 58 months PITIA vs 0 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years 5 months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.22% is 20.78% below the 65% LTV allowed for the program. |
| 751200C8-BA94-4B5D-9181-42AC3E11456C | XXXXXX | TN | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | B | B | C | B | C | B | C | B | B | B | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3970 | TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. | No | PCCD issued XXX , Page 4 loan disclosures, Partial payments section is not completed. Provide Non-numeric (no numeric changes) clerical error post-consummation CD, LOX within 60 days of consummation. | (No Data) | (No Data) | Non-Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 58 months PITIA vs 0 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years 5 months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.22% is 20.78% below the 65% LTV allowed for the program. |
| 751200C8-BA94-4B5D-9181-42AC3E11456C | XXXXXX | TN | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | B | B | C | B | C | B | C | B | B | B | C | B | Credit | Ability to Repay/Qualified Mortgage | Active | B | B | B | B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | 1.23.25: lender agrees with Clayton NONQM status | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 58 months PITIA vs 0 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years 5 months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.22% is 20.78% below the 65% LTV allowed for the program. |
| 751200C8-BA94-4B5D-9181-42AC3E11456C | XXXXXX | TN | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | B | B | C | B | C | B | C | B | B | B | C | B | Credit | DTI | Active | C | B | C | B | CRDDTI187 | Debt Ratio > 50% | No | Debt Ratio of 54.03% is greater than the maximum Debt Ratio of 50% allowed for a borrower with disposable income less than $4,000. | 1.23.2025- Clayton's response: Upon further review Clayton deems this credit exception as non-material due to the following compensating factors; Loan to Value 44.22%, 58.22 months in reserves, residual income within $95; other related exceptions have been addressed; lender approved loan over 50% as well (exception approval in file) | 1.23.2025: non-material exception remains | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 58 months PITIA vs 0 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years 5 months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.22% is 20.78% below the 65% LTV allowed for the program. |
| 751200C8-BA94-4B5D-9181-42AC3E11456C | XXXXXX | TN | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors | C | B | C | B | B | B | C | B | C | B | C | B | B | B | C | B | Property Valuations | Property | Active | B | B | B | B | PRVAPROP2556 | Acreage exceeds property eligibility guidelines | No | Property is located on XXX acres, which is greater than the maximum 10 acres allowed per guidelines. Client provided an exception request to allow the loan with greater than 10 acres. Clayton deems this non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 58 months PITIA vs 0 months reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years 5 months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.22% is 20.78% below the 65% LTV allowed for the program. |
| 896F550C-5F86-4037-AE43-FA4330C27F86 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD-1. | 1.3.24 Final settlement statement has been uploaded1.3.24 exception satisfied | 1.3.24 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 credit score; 700 minimum required score<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 22 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x36 mortgage payment history |
| 7FE18E73-DABF-429C-BBE9-4EF4575D694D | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1. | 1.17.2025 Client responded - please find the final SS for review.1.17.2025 Client provided the final SS. Exception satisfied | 1.17.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 111.31 months of reserves in file.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 240 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 272 months of 0x30 mortgage history per CBR. |
| 14631F7E-B592-4D2F-AEC8-5C07B140A79C | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 702 qualifying score exceeds 620 requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $226,002.30 reserves in file or 20.80 months PITI > required guidelines<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 72 months with 0x30 consumer credit payment history exceeds guidelines of 24 months. |
| A282DD6F-6A2B-4B73-8A4F-2C60E8B07105 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Maximum LTV 80%, current LTV 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum Credit score 680, current credit score 746 |
| 2AF967D9-CCA2-4E6D-ABB9-50261D22672F | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6+ months reserves exceeds guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 115 months credit history exceeds guidelines.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history. |
| C91DF062-EB5E-4263-A879-AB741F7356FB | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Missing master condo policy to evidence $XXX minimum coverage. File contains HO6 policy only. | 1.09.2025-Client's response: January 9th 2025, 4:26:25 pmPlease find the haz ins for review.1.09.2025-Clayton's response: The policy received does not show $XXX in minimum coverage; exception remains.1.13.2025-Client's response: January 13th 2025, 3:33:23 pmPlease find the master policy.1.13.2025-Clayton's response: Received the HOA Master Policy for the property; exception is satisfied. | 1.09.2025-Exception remains.1.13.2025-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 813 credit score; 620 minimum required score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves of $316,634.01 or 80.57 months; 3 months required reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 34.08 years |
| C91DF062-EB5E-4263-A879-AB741F7356FB | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD-1. | 1.09.2025-Client's response: January 9th 2025, 4:25:55 pmplease find the SS for review.1.09.2025-Clayton's response: Received the Final HUD1, exception satisfied. | 1.09.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 813 credit score; 620 minimum required score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves of $316,634.01 or 80.57 months; 3 months required reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 34.08 years |
| C91DF062-EB5E-4263-A879-AB741F7356FB | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | There is a Fraud Victim Alert for the borrower on the Credit Report. Loan is missing verification borrower is aware and gives permission for this transaction. | 1.13.2025-Client's response: January 13th 2025, 3:34:29 pmfraud doc for review.1.13.2025-Clayton's response: Received the Broker Fact Worksheet to confirm the mortgage transaction was approved by the borrower; exception is satisfied. | 1.13.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 813 credit score; 620 minimum required score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves of $316,634.01 or 80.57 months; 3 months required reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 34.08 years |
| 5C7A99CF-273D-4C9C-BBE8-DD199371AE03 | XXXXXX | MN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 130+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history. |
| 5FF84B13-6D29-4B71-A272-B20CCF524381 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 1.14.25 please find the final SS1.14.25 exception satisfied | 1.14.25 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 346 months credit history exceeds guidelines.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history. |
| 5AAD2913-D5A2-48AE-8DED-E75B094FAB2E | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 23 Months Reserves<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: <20% LTV<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 45+ Months Consumer Credit reporting |
| 16CC1857-DB9B-4990-BAB1-5FAAB9A823E6 | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 775 qualifying score exceeds 620 requirements<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 72 months with 0x30 consumer credit payment history exceeds guidelines of 24 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $50,332.91 reserves in file or 10.70 months PITI > required guidelines |
| F05BEF43-D45F-459F-9D68-A77D8C17B4F3 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $327,567.47 post close reserves, 131.99 months PITIA; 6 months required reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 credit score; 660 minimum required score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 35 years in the same profession<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x148 mortgage payment history since XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 16.67% dti; 50% maximum dti<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 28.47% LTV; 75% maximum LTV |
| B371C43F-3083-43C9-9163-43F7C44243B4 | XXXXXX | NM | (No Data) | ATR/QM: Exempt | B | B | B | B | B | B | A | A | B | B | B | B | B | B | A | A | Credit | LTV/CLTV | Active | B | B | B | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Approved exception: LTV of 70% exceeds guideline maximum of 65%. Lender Exception in the file. Clayton's deems this non-material. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $24,890.03, or 8.86 months. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 25 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 744 exceeds guideline minimum of 640 for a DSCR purchase with a ratio < 1.0. |
| B371C43F-3083-43C9-9163-43F7C44243B4 | XXXXXX | NM | (No Data) | ATR/QM: Exempt | B | B | B | B | B | B | A | A | B | B | B | B | B | B | A | A | Property Valuations | Property | Active | B | B | B | B | PRVAPROP177 | Property Issues Indicated | No | Provide completed 1007 Rent Schedule. Copy in file does not provide final market rent, but a range. Appraiser unable to provide a STR 1007 but has provided a range of Market Rent, the lowest of the two used for DSCR calculation. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $24,890.03, or 8.86 months. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 25 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 744 exceeds guideline minimum of 640 for a DSCR purchase with a ratio < 1.0. |
| E67946C3-9599-458A-801A-DAC2C54D0699 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 685 is 45 points above the 640 FICO required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 10 years 11 months at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current residence for 4 years and 8 months |
| 47D77CD8-1B08-42C7-B2DB-FB68C949ACB4 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing Final HUD-1. | 1.15.2025 Client responded - please find the final SS1.15.2025 Client provided the Final HUD SS. Exception satisfied | 1.15.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $184,664.16 post close reserves, 27.57 months PITIA; 6 months required reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 credit score; 700 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV; 80% maximum LTV<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 21.25 years |
| 47D77CD8-1B08-42C7-B2DB-FB68C949ACB4 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing condo questionnaire completed by HOA | 1.15.2025 Client responded - please find the HOA question for review.1.15.2025 Client provided the HOA Condo questionnaire. Exception satisfied | 1.15.2025 Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $184,664.16 post close reserves, 27.57 months PITIA; 6 months required reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 734 credit score; 700 minimum required score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV; 80% maximum LTV<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the primary residence 21.25 years |
| 0F40B081-53B1-4122-8DD7-7235D18FC977 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 757 is 137 points above the 620 FICO required for the program.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 15 years 6 months at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 34 years in profession.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 40.64% is 39.36% below the 80% LTV allowed for the program. |
| 3F3E1B6D-A0B7-40A9-A101-C18C74EA4823 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD1. \*Estimated HUD shows a $XXX deposit but not the $XXX gift funds. | 1.14.2025-Client's response: January 14th 2025, 11:53:53 amFinal settlement statement has been uploaded, please clear condition.1.14.2025-Clayton's response: Received the final HUD1, exception satisfied. | 1.14.2025-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan to value is 75%, max LTV is 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 780.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: File has 8.75 months in reserves. |
| 3F3E1B6D-A0B7-40A9-A101-C18C74EA4823 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Loan to value is 75%, max LTV is 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is 780.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: File has 8.75 months in reserves. |
| 2484353F-FDDF-4BDC-91CA-ADED84EC88D0 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 2.14.25 Final settlement statement has been uploaded.2.17.25 Exception satisfied | 2.17.25 Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 10+ months reserves exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 years at current residence. |
| 643D6044-8AA8-4472-A985-0A1404B96473 | XXXXXX | NV | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $75,112.92, or 17.39 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 721 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.0.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from XXX. |
| 04F24269-64DD-4A62-B406-04DAF7CF4622 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 101+ months reserves exceeds guidelines.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower demonstrates good credit history.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower demonstrates positive mortgage payment history. |
| 8C5307B6-15B4-4EFE-90C1-6AD19E539D28 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Assets | Active | B | B | B | B | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Cash out exceeds guidelines. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 17 years 3 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 681 is 41 points above the 640 FICO required for the program.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 11 years 1 month at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 55 months PITIA vs 0 months reserves required. |
| 1F47DB11-0AE8-46E5-837E-057098A26D08 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 691 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 74 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 7.42 months of reserves in file. |
| 4E787E0F-7EC1-440B-8E3D-FA2F39988974 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $205,121.89, or 93.08 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 724 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.0<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from XXX. |
| D0F4D2D9-667B-4CA2-B64D-2B3C5943E6E2 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $134,616.11, or 26.99 months. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 814 exceeds guideline minimum of 640 for a DSCR with a ratio < 1.0 |
| D2C8FE7B-3C0A-4D8F-8ECC-C55A321185B1 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt for LE's issued XXX XXX and CD's issued XXX XXX. | 3.20.25-Client provided LE issued XXX , e-signed XXX. Also provided CDs issued XXX & XXX. E-signed date issued. Satisfied. | 3.20.25-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $43,298.55, or 14.66 months. 6 months required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state borrower has been credentialed since XXX. |
| D2C8FE7B-3C0A-4D8F-8ECC-C55A321185B1 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt for LE's issued XXX XXX and CD's issued XXX XXX. | 3.20.25-Client provided LE issued XXX , e-signed XXX. Also provided CDs issued XXX & XXX. E-signed date issued. Satisfied. | 3.20.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $43,298.55, or 14.66 months. 6 months required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has never been 1X30 with history from XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state borrower has been credentialed since XXX. |
| A2FE8439-3A06-4BCA-A7E9-3FE855ABCEF2 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 and B2 in current residence for 2 years 11 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: B1 and B2 have good credit history<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 54.6%7 is below 75& allowed per guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified 105.65 months reserves. |
| 360519B1-5D7E-43F7-89C2-D1D90ED2BE6F | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $218,406.31, or 34.55 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 702 exceeds guideline minimum of 680 for a DSCR Cash Out Refinance at 75% LTV.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 5 years. |
| 0DC9E8B1-8969-48BA-ABFF-405280CCB399 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Active | C | B | C | B | CMPATRQM2908 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Residual income analysis does not meet client guidelines | No | Per XXX guidelines, to go to a 55% DTI, borrower must have $4000 in disposable income. Borrower has $2412.31 in disposable income | Upon further review by Sr. Clayton UW, Clayton deems this non-material due to the following compensating factors: 816 FICO, 15.81 Months in reserves, good credit with very little use of consumer credit-$65 monthly in consumer debt. | 3.27.2025-Non-material. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $43819.73, 15.81 months reserves, 12 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 816 exceeds the minimum of 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: 1% of revolving credit utilized |
| 0DC9E8B1-8969-48BA-ABFF-405280CCB399 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan does not meet the disposable income requirement for a 55% DTI. Borrower must have $4000 in disposable income. Borrower has $2412.31. | Upon further review by Sr. Clayton UW, Clayton deems this non-material due to the following compensating factors: 816 FICO, 15.81 Months in reserves, good credit with very little use of consumer credit-$65 monthly in consumer debt. | 3.27.2025-Non-material. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $43819.73, 15.81 months reserves, 12 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 816 exceeds the minimum of 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: 1% of revolving credit utilized |
| 0DC9E8B1-8969-48BA-ABFF-405280CCB399 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Credit | DTI | Active | C | B | C | B | CRDDTI187 | Debt Ratio > 50% | No | XXX program does allow for a 55% DTI with $4000 disposable income. Borrower does not meet the $4000 disposable income. Borrower has $2412.31 in disposable income | 3.27.2025-Clients response: March 26th 2025, 3:51:16 pmPlease find the credit exception.3.27.2025-Clayton's response: Upon further review by Sr. Clayton UW, Clayton deems this non-material due to the following compensating factors: 816 FICO, 15.81 Months in reserves, good credit with very little use of consumer credit-$65 monthly in consumer debt. | 3.27.2025-Non-material. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $43819.73, 15.81 months reserves, 12 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 816 exceeds the minimum of 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: 1% of revolving credit utilized |
| E795132F-5559-41FB-BD9F-6948F262C512 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico score is 753<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower is 0\*30 Mortgage history past 25 months<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history for 187 months |
| 9C97F907-8A99-4852-992A-8111CB1CF56C | XXXXXX | AL | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing documentation to clear fraud report alert on appraiser. Provide ASC search. | 4.9.25 asc.gov uploaded - exception satisfied | 4.9.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $13870.56, 9.43 months reserves, 6 months required<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 17 months reviewed for primary residence rent exceeds 12 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 4% revolving credit utilized |
| 2E62F7CC-20F0-433E-87AF-989685459528 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Active | B | B | B | B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Cash out amount of $XXX exceeds the maximum of $300,000.Loan is considered a cash out refinance as it does not meet the following: Buy out a co-owner pursuant to an agreement.No agreement in file. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 0% Consumer credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 747. G/l min is 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 6.24 months piti reserves. 6 months required. |
| 603B6A18-52E7-4F93-938E-71613908F0F9 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | A | A | A | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value. 08.19.2022 Clayton to order AVM. | (No Data) | 08/22/2022 AVM received | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current residence. |
| 603B6A18-52E7-4F93-938E-71613908F0F9 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM dated XXX with an estimated value of $XXX, and confidence score of 83. AVM FSD of 17, exceeded max of 10. Clayton order Desk Review on behalf of Client. | 08/26/2022- XXX Desk Review received from XXX supporting appraisal value. | 08/26/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years at current residence. |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **PRPM 2025-NQM3** | **PRPM 2025-NQM3** | **PRPM 2025-NQM3** | **PRPM 2025-NQM3** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **3/30/2022 - 4/9/2025** | **3/30/2022 - 4/9/2025** | **3/30/2022 - 4/9/2025** | **3/30/2022 - 4/9/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **82** | **82** | **82** | **82** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *82* | *82* | *82* | *82* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *34* | *34* | *34* | *34* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 4ACF06A6-37F9-433D-8A11-9450CB6A2801 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 2B4B1C22-3A3D-4AD5-AE90-09A5C8000E0C | Yes | XXXXXX | XXXXXX | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | Not Applicable |
| E6A0E8FE-D422-4A58-8D13-FEE9C51C323D | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| D78E9A1A-FB8F-4C59-A2A9-B315F87BC239 | Yes | XXXXXX | XXXXXX | B | B | A | A | B | B | N/A | N/A | B | B | A | A | B | B | N/A | N/A | Not Applicable |
| B23FCD26-AEFD-4096-AE03-141312F2418D | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 6118E1F2-6BAB-469D-A41B-3949029B3882 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 9BAA7C9C-62E2-486B-A86A-7A572FD599DD | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 4F3A4992-DC06-49B4-AE29-3FB8C39F9B38 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| E6D503CC-6C08-44DA-B7C5-B816450B5665 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 6DF6859B-F1CE-426F-B97E-9EF64CFBCD61 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| DBBEC5AE-531D-4F8E-ADE9-A83FC21B449C | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| A36F665D-17D8-42CD-B8FD-AC51E997F570 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 988CBD9D-353D-41C5-9761-E667916265C4 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 0918D7EC-7E97-4CDE-A861-3E3A097C616A | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 639B742B-C997-4EF2-9724-DFF385DC1316 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| BFE1281B-98F1-4524-ADFC-EAC87CE4A751 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| BDB04DD3-FE89-45FF-88FA-70E4ADFD9D23 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| A427DB35-8E28-4F8A-BD3E-6FD04BF688C6 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 84568765-4F2A-4C9B-B05B-8A97EB6DDAD3 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 7A8A804B-BF6A-427D-B053-1160AEB6B253 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 1DA22729-0F69-40F8-84DB-AF4B4B54D070 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| C2A75347-830A-43DF-B5EB-FB4D33F10034 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | N/A | N/A | D | A | D | A | A | A | N/A | N/A | Not Applicable |
| CEDDEA4C-CB28-4627-A85F-0AC0F762DECC | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| C7EE7FB1-1B97-4337-8898-1F6823F7AC2F | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| EF8C5C01-54A8-4E69-B51C-24659C7A92BC | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| 885D9B94-C1E6-4616-8E95-0F1CDE1FEB00 | Yes | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No |
| 34299D9B-E6F2-4719-B210-6B643BC06350 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 1CC02B97-2B27-4688-8285-EF015033A23A | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 9B3B004D-C0BA-4EB2-8966-6C17135EF69A | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| AC3F5C47-CC12-4488-8543-96D8865D1C38 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 7D5CADC4-3093-432A-AC71-28FFCE1EBEF9 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 152A62E4-E949-4604-9BA6-9189CB726EC8 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 79AA0FE8-5033-4781-9C12-75953F5F36B1 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 3520979B-A03E-48FF-9DC8-BA3412CF1860 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| F20F3BC3-7DBA-446E-81B4-DD3C7DFB4C0F | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | N/A | N/A | D | A | A | A | D | A | N/A | N/A | Not Applicable |
| B1D09FC3-1866-48DF-8425-75340D88405B | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| AB28F732-CCD8-471D-AF12-E5070A57537E | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| C0008E76-B060-43E3-B7A3-73BB02A351C3 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| A0F222FA-52ED-45C5-B1AE-B5F84400CBEF | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 3B0CAE7D-FC32-43E1-B4B0-CAF794C9FBF5 | Yes | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 89C84A6F-CDB9-44E2-B613-5763D2F0B8D6 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 4D4EC5E2-85D8-4C4B-8CAA-78B7B90BDB8C | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| BD1F338C-CCAE-4B77-8D71-A07FDFC9386D | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| E7BD6D0B-FC4E-43DF-88ED-AB830068BC01 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | No |
| A00CFAB1-C53C-4CA3-AF94-AF7D4312F171 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | C | A | D | B | D | B | A | A | C | A | Not Applicable |
| 1A13CD74-1F98-4B4D-A2FD-93B627E426B3 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | N/A | N/A | C | A | C | A | A | A | N/A | N/A | Not Applicable |
| 618DCC57-E85C-448B-AC3E-7530C4BE1525 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| B0FA4968-7E25-482D-8ADE-EF6F15A63D42 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 82C5B630-110F-43CD-B8DB-E61D30F9DD1C | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| A5C57928-38C4-4DE9-BCA4-321090F7FC12 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | No |
| 751200C8-BA94-4B5D-9181-42AC3E11456C | Yes | XXXXXX | XXXXXX | C | B | C | B | B | B | C | B | C | B | C | B | B | B | C | B | Not Applicable |
| 896F550C-5F86-4037-AE43-FA4330C27F86 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 7FE18E73-DABF-429C-BBE9-4EF4575D694D | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 14631F7E-B592-4D2F-AEC8-5C07B140A79C | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| A282DD6F-6A2B-4B73-8A4F-2C60E8B07105 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 2AF967D9-CCA2-4E6D-ABB9-50261D22672F | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Yes |
| C91DF062-EB5E-4263-A879-AB741F7356FB | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 5C7A99CF-273D-4C9C-BBE8-DD199371AE03 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Yes |
| 5FF84B13-6D29-4B71-A272-B20CCF524381 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Yes |
| 5AAD2913-D5A2-48AE-8DED-E75B094FAB2E | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 16CC1857-DB9B-4990-BAB1-5FAAB9A823E6 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| F05BEF43-D45F-459F-9D68-A77D8C17B4F3 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| B371C43F-3083-43C9-9163-43F7C44243B4 | Yes | XXXXXX | XXXXXX | B | B | B | B | B | B | A | A | B | B | B | B | B | B | A | A | Not Applicable |
| E67946C3-9599-458A-801A-DAC2C54D0699 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 47D77CD8-1B08-42C7-B2DB-FB68C949ACB4 | Yes | XXXXXX | XXXXXX | D | A | D | A | D | A | A | A | D | A | D | A | D | A | A | A | No |
| 0F40B081-53B1-4122-8DD7-7235D18FC977 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 3F3E1B6D-A0B7-40A9-A101-C18C74EA4823 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 2484353F-FDDF-4BDC-91CA-ADED84EC88D0 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Yes |
| 643D6044-8AA8-4472-A985-0A1404B96473 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 04F24269-64DD-4A62-B406-04DAF7CF4622 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 8C5307B6-15B4-4EFE-90C1-6AD19E539D28 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 1F47DB11-0AE8-46E5-837E-057098A26D08 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 4E787E0F-7EC1-440B-8E3D-FA2F39988974 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| D0F4D2D9-667B-4CA2-B64D-2B3C5943E6E2 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| D2C8FE7B-3C0A-4D8F-8ECC-C55A321185B1 | Yes | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| A2FE8439-3A06-4BCA-A7E9-3FE855ABCEF2 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 360519B1-5D7E-43F7-89C2-D1D90ED2BE6F | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | Not Applicable |
| 0DC9E8B1-8969-48BA-ABFF-405280CCB399 | Yes | XXXXXX | XXXXXX | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Not Applicable |
| E795132F-5559-41FB-BD9F-6948F262C512 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 9C97F907-8A99-4852-992A-8111CB1CF56C | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 2E62F7CC-20F0-433E-87AF-989685459528 | Yes | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 603B6A18-52E7-4F93-938E-71613908F0F9 | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |
| **Client Project Name:** | PRPM 2025-NQM3 | PRPM 2025-NQM3 | PRPM 2025-NQM3 |  |
| **Start - End Dates:** | 3/30/2022 - 4/9/2025 | 3/30/2022 - 4/9/2025 | 3/30/2022 - 4/9/2025 |  |
| **Deal Loan Count:** | 82 | 82 | 82 |  |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |
| *Loans in Report* | *82* | *82* | *82* |  |
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 2B4B1C22-3A3D-4AD5-AE90-09A5C8000E0C | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 2B4B1C22-3A3D-4AD5-AE90-09A5C8000E0C | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| D78E9A1A-FB8F-4C59-A2A9-B315F87BC239 | XXXXXX | Borrower 2 First Name | XXXXXX | XXXXXX |
| D78E9A1A-FB8F-4C59-A2A9-B315F87BC239 | XXXXXX | Borrower 2 Last Name | XXXXXX | XXXXXX |
| D78E9A1A-FB8F-4C59-A2A9-B315F87BC239 | XXXXXX | Cash Reserves | 92214.33 | 20360.05 |
| D78E9A1A-FB8F-4C59-A2A9-B315F87BC239 | XXXXXX | Combined LTV | 51.85 | 60.00 |
| D78E9A1A-FB8F-4C59-A2A9-B315F87BC239 | XXXXXX | Months Reserves | 6.00 | 6.32 |
| D78E9A1A-FB8F-4C59-A2A9-B315F87BC239 | XXXXXX | Property Type | Low Rise Condo (1-4) | Condotel |
| D78E9A1A-FB8F-4C59-A2A9-B315F87BC239 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| B23FCD26-AEFD-4096-AE03-141312F2418D | XXXXXX | Cash Reserves | 410846.51 | 326305.69 |
| B23FCD26-AEFD-4096-AE03-141312F2418D | XXXXXX | Months Reserves | 172.00 | 171.85 |
| B23FCD26-AEFD-4096-AE03-141312F2418D | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 6118E1F2-6BAB-469D-A41B-3949029B3882 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 6118E1F2-6BAB-469D-A41B-3949029B3882 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 6118E1F2-6BAB-469D-A41B-3949029B3882 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 9BAA7C9C-62E2-486B-A86A-7A572FD599DD | XXXXXX | Cash Reserves | 199207.24 | 48436.04 |
| 9BAA7C9C-62E2-486B-A86A-7A572FD599DD | XXXXXX | Months Reserves | 49.00 | 10.44 |
| 9BAA7C9C-62E2-486B-A86A-7A572FD599DD | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 4F3A4992-DC06-49B4-AE29-3FB8C39F9B38 | XXXXXX | Cash Reserves | 92862.32 | 21754.76 |
| 4F3A4992-DC06-49B4-AE29-3FB8C39F9B38 | XXXXXX | Combined LTV | 66.82 | 70.00 |
| 4F3A4992-DC06-49B4-AE29-3FB8C39F9B38 | XXXXXX | Months Reserves | 16.00 | 14.01 |
| 4F3A4992-DC06-49B4-AE29-3FB8C39F9B38 | XXXXXX | Property Type | SFR | Low Rise Condo (1-4) |
| 4F3A4992-DC06-49B4-AE29-3FB8C39F9B38 | XXXXXX | Representative Credit Score for Grading | 680 | 770 |
| 4F3A4992-DC06-49B4-AE29-3FB8C39F9B38 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| E6D503CC-6C08-44DA-B7C5-B816450B5665 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 6DF6859B-F1CE-426F-B97E-9EF64CFBCD61 | XXXXXX | Cash Reserves | 366932.95 | 16150.74 |
| 6DF6859B-F1CE-426F-B97E-9EF64CFBCD61 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| DBBEC5AE-531D-4F8E-ADE9-A83FC21B449C | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| DBBEC5AE-531D-4F8E-ADE9-A83FC21B449C | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| A36F665D-17D8-42CD-B8FD-AC51E997F570 | XXXXXX | Cash Reserves | 185887.23 | 99930.75 |
| A36F665D-17D8-42CD-B8FD-AC51E997F570 | XXXXXX | Combined LTV | 71.59 | 75.00 |
| A36F665D-17D8-42CD-B8FD-AC51E997F570 | XXXXXX | Months Reserves | 42.00 | 41.14 |
| A36F665D-17D8-42CD-B8FD-AC51E997F570 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| A36F665D-17D8-42CD-B8FD-AC51E997F570 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 988CBD9D-353D-41C5-9761-E667916265C4 | XXXXXX | Cash Reserves | 567296.72 | 456163.97 |
| 988CBD9D-353D-41C5-9761-E667916265C4 | XXXXXX | Months Reserves | 147.00 | 126.77 |
| 0918D7EC-7E97-4CDE-A861-3E3A097C616A | XXXXXX | Cash Reserves | 194107.54 | 66107.54 |
| 0918D7EC-7E97-4CDE-A861-3E3A097C616A | XXXXXX | Months Reserves | 19.00 | 19.59 |
| 0918D7EC-7E97-4CDE-A861-3E3A097C616A | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 639B742B-C997-4EF2-9724-DFF385DC1316 | XXXXXX | Cash Reserves | 232559.80 | 130649.33 |
| 639B742B-C997-4EF2-9724-DFF385DC1316 | XXXXXX | Combined LTV | 67.67 | 70.00 |
| 639B742B-C997-4EF2-9724-DFF385DC1316 | XXXXXX | Months Reserves | 8.00 | 26.73 |
| 639B742B-C997-4EF2-9724-DFF385DC1316 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| BFE1281B-98F1-4524-ADFC-EAC87CE4A751 | XXXXXX | Cash Reserves | 13574.05 | 40241.35 |
| BFE1281B-98F1-4524-ADFC-EAC87CE4A751 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| BFE1281B-98F1-4524-ADFC-EAC87CE4A751 | XXXXXX | Months Reserves | '-36.00 | 8.41 |
| BFE1281B-98F1-4524-ADFC-EAC87CE4A751 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| BFE1281B-98F1-4524-ADFC-EAC87CE4A751 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| BDB04DD3-FE89-45FF-88FA-70E4ADFD9D23 | XXXXXX | Cash Reserves | 218134.60 | 39657.63 |
| BDB04DD3-FE89-45FF-88FA-70E4ADFD9D23 | XXXXXX | Combined LTV | 70.16 | 75.00 |
| BDB04DD3-FE89-45FF-88FA-70E4ADFD9D23 | XXXXXX | Months Reserves | 12.00 | 7.22 |
| BDB04DD3-FE89-45FF-88FA-70E4ADFD9D23 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| A427DB35-8E28-4F8A-BD3E-6FD04BF688C6 | XXXXXX | Cash Reserves | 142603.55 | 28803.55 |
| A427DB35-8E28-4F8A-BD3E-6FD04BF688C6 | XXXXXX | Combined LTV | 66.18 | 75.00 |
| A427DB35-8E28-4F8A-BD3E-6FD04BF688C6 | XXXXXX | Months Reserves | 20.00 | 10.78 |
| A427DB35-8E28-4F8A-BD3E-6FD04BF688C6 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 84568765-4F2A-4C9B-B05B-8A97EB6DDAD3 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 7A8A804B-BF6A-427D-B053-1160AEB6B253 | XXXXXX | Cash Reserves | 604507.34 | 486775.00 |
| 7A8A804B-BF6A-427D-B053-1160AEB6B253 | XXXXXX | Months Reserves | 190.00 | 188.71 |
| 7A8A804B-BF6A-427D-B053-1160AEB6B253 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 1DA22729-0F69-40F8-84DB-AF4B4B54D070 | XXXXXX | Cash Reserves | 604507.34 | 489946.56 |
| 1DA22729-0F69-40F8-84DB-AF4B4B54D070 | XXXXXX | Months Reserves | 188.00 | 188.39 |
| 1DA22729-0F69-40F8-84DB-AF4B4B54D070 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| C2A75347-830A-43DF-B5EB-FB4D33F10034 | XXXXXX | Cash Reserves | 604507.34 | 490017.05 |
| C2A75347-830A-43DF-B5EB-FB4D33F10034 | XXXXXX | Months Reserves | 191.00 | 190.89 |
| C2A75347-830A-43DF-B5EB-FB4D33F10034 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| CEDDEA4C-CB28-4627-A85F-0AC0F762DECC | XXXXXX | Cash Reserves | 604507.34 | 486474.58 |
| CEDDEA4C-CB28-4627-A85F-0AC0F762DECC | XXXXXX | Months Reserves | 187.00 | 185.53 |
| CEDDEA4C-CB28-4627-A85F-0AC0F762DECC | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| C7EE7FB1-1B97-4337-8898-1F6823F7AC2F | XXXXXX | Cash Reserves | 25100.00 | 47302.40 |
| C7EE7FB1-1B97-4337-8898-1F6823F7AC2F | XXXXXX | Combined LTV | 64.24 | 70.00 |
| C7EE7FB1-1B97-4337-8898-1F6823F7AC2F | XXXXXX | Months Reserves | 18.00 | 15.73 |
| C7EE7FB1-1B97-4337-8898-1F6823F7AC2F | XXXXXX | Property Type | Low Rise Condo (1-4) | Condotel |
| C7EE7FB1-1B97-4337-8898-1F6823F7AC2F | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| EF8C5C01-54A8-4E69-B51C-24659C7A92BC | XXXXXX | Cash Reserves | 92541.27 | 14871.27 |
| EF8C5C01-54A8-4E69-B51C-24659C7A92BC | XXXXXX | Combined LTV | 67.16 | 70.00 |
| EF8C5C01-54A8-4E69-B51C-24659C7A92BC | XXXXXX | Months Reserves | 7.00 | 6.67 |
| EF8C5C01-54A8-4E69-B51C-24659C7A92BC | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 885D9B94-C1E6-4616-8E95-0F1CDE1FEB00 | XXXXXX | Cash Reserves | 132733.84 | 32655.07 |
| 885D9B94-C1E6-4616-8E95-0F1CDE1FEB00 | XXXXXX | Months Reserves | 14.00 | 13.99 |
| 885D9B94-C1E6-4616-8E95-0F1CDE1FEB00 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 34299D9B-E6F2-4719-B210-6B643BC06350 | XXXXXX | Cash Reserves | 232028.02 | 22217.88 |
| 34299D9B-E6F2-4719-B210-6B643BC06350 | XXXXXX | Combined LTV | 48.75 | 53.42 |
| 34299D9B-E6F2-4719-B210-6B643BC06350 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 34299D9B-E6F2-4719-B210-6B643BC06350 | XXXXXX | Months Reserves | 128.00 | 12.58 |
| 34299D9B-E6F2-4719-B210-6B643BC06350 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| 34299D9B-E6F2-4719-B210-6B643BC06350 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 1CC02B97-2B27-4688-8285-EF015033A23A | XXXXXX | Cash Reserves | 89772.50 | 18922.35 |
| 1CC02B97-2B27-4688-8285-EF015033A23A | XXXXXX | Combined LTV | 71.64 | 75.00 |
| 1CC02B97-2B27-4688-8285-EF015033A23A | XXXXXX | Months Reserves | 8.00 | 8.06 |
| 1CC02B97-2B27-4688-8285-EF015033A23A | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9B3B004D-C0BA-4EB2-8966-6C17135EF69A | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 9B3B004D-C0BA-4EB2-8966-6C17135EF69A | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| AC3F5C47-CC12-4488-8543-96D8865D1C38 | XXXXXX | Cash Reserves | 135302.86 | 38953.83 |
| AC3F5C47-CC12-4488-8543-96D8865D1C38 | XXXXXX | Months Reserves | 14.00 | 14.52 |
| AC3F5C47-CC12-4488-8543-96D8865D1C38 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 7D5CADC4-3093-432A-AC71-28FFCE1EBEF9 | XXXXXX | Borrower 1 Total Income | XXXXXX | XXXXXX |
| 7D5CADC4-3093-432A-AC71-28FFCE1EBEF9 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 7D5CADC4-3093-432A-AC71-28FFCE1EBEF9 | XXXXXX | Total Monthly Income | XXXXXX | XXXXXX |
| 152A62E4-E949-4604-9BA6-9189CB726EC8 | XXXXXX | Borrower 1 Self Employed Flag | No | Yes |
| 79AA0FE8-5033-4781-9C12-75953F5F36B1 | XXXXXX | Cash Reserves | 110000.00 | 143642.99 |
| 79AA0FE8-5033-4781-9C12-75953F5F36B1 | XXXXXX | Months Reserves | 103.00 | 20.61 |
| 79AA0FE8-5033-4781-9C12-75953F5F36B1 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 3520979B-A03E-48FF-9DC8-BA3412CF1860 | XXXXXX | Cash Reserves | 66857.68 | 16996.83 |
| 3520979B-A03E-48FF-9DC8-BA3412CF1860 | XXXXXX | Combined LTV | 64.06 | 75.00 |
| 3520979B-A03E-48FF-9DC8-BA3412CF1860 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 3520979B-A03E-48FF-9DC8-BA3412CF1860 | XXXXXX | Months Reserves | 1.00 | 8.87 |
| 3520979B-A03E-48FF-9DC8-BA3412CF1860 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| F20F3BC3-7DBA-446E-81B4-DD3C7DFB4C0F | XXXXXX | Cash Reserves | 212024.65 | 36975.42 |
| F20F3BC3-7DBA-446E-81B4-DD3C7DFB4C0F | XXXXXX | Months Reserves | 47.00 | 6.70 |
| F20F3BC3-7DBA-446E-81B4-DD3C7DFB4C0F | XXXXXX | Product Type | 30 Yr Fixed | 30 Yr Fixed Interest Only |
| F20F3BC3-7DBA-446E-81B4-DD3C7DFB4C0F | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| B1D09FC3-1866-48DF-8425-75340D88405B | XXXXXX | Cash Reserves | 503366.46 | 316205.59 |
| B1D09FC3-1866-48DF-8425-75340D88405B | XXXXXX | Months Reserves | 96.00 | 95.97 |
| B1D09FC3-1866-48DF-8425-75340D88405B | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| AB28F732-CCD8-471D-AF12-E5070A57537E | XXXXXX | Cash Reserves | 636461.16 | 577095.56 |
| AB28F732-CCD8-471D-AF12-E5070A57537E | XXXXXX | Months Reserves | 250.00 | 250.26 |
| AB28F732-CCD8-471D-AF12-E5070A57537E | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| C0008E76-B060-43E3-B7A3-73BB02A351C3 | XXXXXX | Cash Reserves | 66139.96 | 38321.31 |
| C0008E76-B060-43E3-B7A3-73BB02A351C3 | XXXXXX | Months Reserves | 5.00 | 10.04 |
| C0008E76-B060-43E3-B7A3-73BB02A351C3 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| A0F222FA-52ED-45C5-B1AE-B5F84400CBEF | XXXXXX | Cash Reserves | 2598.77 | 23144.04 |
| A0F222FA-52ED-45C5-B1AE-B5F84400CBEF | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| A0F222FA-52ED-45C5-B1AE-B5F84400CBEF | XXXXXX | Months Reserves | 6.00 | 3.72 |
| A0F222FA-52ED-45C5-B1AE-B5F84400CBEF | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 89C84A6F-CDB9-44E2-B613-5763D2F0B8D6 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 4D4EC5E2-85D8-4C4B-8CAA-78B7B90BDB8C | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| E7BD6D0B-FC4E-43DF-88ED-AB830068BC01 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 618DCC57-E85C-448B-AC3E-7530C4BE1525 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| B0FA4968-7E25-482D-8ADE-EF6F15A63D42 | XXXXXX | DTI Qualifying (Back) | 28.5200 | 23.9300 |
| 82C5B630-110F-43CD-B8DB-E61D30F9DD1C | XXXXXX | Cash Reserves | 222960.82 | 100523.82 |
| 82C5B630-110F-43CD-B8DB-E61D30F9DD1C | XXXXXX | Months Reserves | 68.00 | 30.93 |
| 82C5B630-110F-43CD-B8DB-E61D30F9DD1C | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 896F550C-5F86-4037-AE43-FA4330C27F86 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 14631F7E-B592-4D2F-AEC8-5C07B140A79C | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| C91DF062-EB5E-4263-A879-AB741F7356FB | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 5FF84B13-6D29-4B71-A272-B20CCF524381 | XXXXXX | Cash Reserves | 991504.22 | 194350.22 |
| 5FF84B13-6D29-4B71-A272-B20CCF524381 | XXXXXX | Months Reserves | 219.00 | 42.98 |
| B371C43F-3083-43C9-9163-43F7C44243B4 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 47D77CD8-1B08-42C7-B2DB-FB68C949ACB4 | XXXXXX | Cash Reserves | 57387.47 | 184664.16 |
| 47D77CD8-1B08-42C7-B2DB-FB68C949ACB4 | XXXXXX | Months Reserves | 8.00 | 27.57 |
| 47D77CD8-1B08-42C7-B2DB-FB68C949ACB4 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 3F3E1B6D-A0B7-40A9-A101-C18C74EA4823 | XXXXXX | Cash Reserves | 80307.24 | 30260.68 |
| 3F3E1B6D-A0B7-40A9-A101-C18C74EA4823 | XXXXXX | Months Reserves | 18.00 | 6.99 |
| 2484353F-FDDF-4BDC-91CA-ADED84EC88D0 | XXXXXX | Cash Reserves | 41870.27 | 26003.17 |
| 2484353F-FDDF-4BDC-91CA-ADED84EC88D0 | XXXXXX | Months Reserves | 10.00 | 6.27 |
| 643D6044-8AA8-4472-A985-0A1404B96473 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| D0F4D2D9-667B-4CA2-B64D-2B3C5943E6E2 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| 360519B1-5D7E-43F7-89C2-D1D90ED2BE6F | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 0DC9E8B1-8969-48BA-ABFF-405280CCB399 | XXXXXX | Cash Reserves | 31014.02 | 43819.73 |
| 0DC9E8B1-8969-48BA-ABFF-405280CCB399 | XXXXXX | Months Reserves | 10.00 | 15.81 |
| E795132F-5559-41FB-BD9F-6948F262C512 | XXXXXX | Min Number | XXXXXX | XXXXXX |
| E795132F-5559-41FB-BD9F-6948F262C512 | XXXXXX | Periodic Rate Cap | 2.000 | 1.000 |
| E795132F-5559-41FB-BD9F-6948F262C512 | XXXXXX | Product Type | 7/1 ARM | 7/6 ARM |
| E795132F-5559-41FB-BD9F-6948F262C512 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 9C97F907-8A99-4852-992A-8111CB1CF56C | XXXXXX | Cash Reserves | 81360.67 | 13870.56 |
| 9C97F907-8A99-4852-992A-8111CB1CF56C | XXXXXX | Months Reserves | 9.00 | 9.43 |
| 9C97F907-8A99-4852-992A-8111CB1CF56C | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| 2E62F7CC-20F0-433E-87AF-989685459528 | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 2E62F7CC-20F0-433E-87AF-989685459528 | XXXXXX | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 2E62F7CC-20F0-433E-87AF-989685459528 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| 603B6A18-52E7-4F93-938E-71613908F0F9 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
|©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 |
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **PRPM 2025-NQM3** | **PRPM 2025-NQM3** | **PRPM 2025-NQM3** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **6/30/2022 - 4/9/2025** | **6/30/2022 - 4/9/2025** | **6/30/2022 - 4/9/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **82** | **82** | **82** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **ATR QM Upload** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *82* | *82* | *82* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Is the Loan a Short-Term Rental?** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of 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| 2B4B1C22-3A3D-4AD5-AE90-09A5C8000E0C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 10.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4979.2 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3680.00 | No | (No Data) | 0.7391 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| E6A0E8FE-D422-4A58-8D13-FEE9C51C323D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5566.17 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5600.00 | No | (No Data) | 1.0061 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| D78E9A1A-FB8F-4C59-A2A9-B315F87BC239 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3223.94 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2988.00 | No | (No Data) | 0.9268 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
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| 6118E1F2-6BAB-469D-A41B-3949029B3882 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9520 | No | No | 2.741 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.84 | 49.84 | 49.84 | 49.84 | 49.84 | 49.84 | No | Yes | Yes | 7938.76 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 9BAA7C9C-62E2-486B-A86A-7A572FD599DD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4637.6 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 0.7547 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 4F3A4992-DC06-49B4-AE29-3FB8C39F9B38 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1552.69 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1575.00 | No | (No Data) | 1.0144 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| E6D503CC-6C08-44DA-B7C5-B816450B5665 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5018.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 0.7571 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 6DF6859B-F1CE-426F-B97E-9EF64CFBCD61 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2691.79 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2750.00 | No | (No Data) | 1.0216 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| DBBEC5AE-531D-4F8E-ADE9-A83FC21B449C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7881 | Yes | Yes | 2.852 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.74 | 19.75 | 21.74 | 19.75 | 19.75 | 19.75 | No | No | (No Data) | 17647.18 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 36 months;<br> P & L Only - 12 months; | (No Data) | (No Data) | (No Data) |
| A36F665D-17D8-42CD-B8FD-AC51E997F570 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2428.94 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1895.00 | No | (No Data) | 0.7802 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 988CBD9D-353D-41C5-9761-E667916265C4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.1211 | Yes | Yes | 2.853 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.2 | 32.62 | 33.2 | 32.62 | 32.62 | 32.62 | No | No | (No Data) | 36785.39 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months; | (No Data) | (No Data) | (No Data) |
| 0918D7EC-7E97-4CDE-A861-3E3A097C616A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3375.03 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 0.9185 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 639B742B-C997-4EF2-9724-DFF385DC1316 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4888.06 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5000.00 | No | (No Data) | 1.0229 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| BFE1281B-98F1-4524-ADFC-EAC87CE4A751 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4786.15 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3700.00 | No | (No Data) | 0.7731 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| BDB04DD3-FE89-45FF-88FA-70E4ADFD9D23 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0001 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5491.22 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 5500.00 | No | (No Data) | 1.0016 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| A427DB35-8E28-4F8A-BD3E-6FD04BF688C6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2670.96 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3150.00 | No | (No Data) | 1.1794 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 84568765-4F2A-4C9B-B05B-8A97EB6DDAD3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2345.7 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2350.00 | No | (No Data) | 1.0018 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 7A8A804B-BF6A-427D-B053-1160AEB6B253 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2579.49 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.1243 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 1DA22729-0F69-40F8-84DB-AF4B4B54D070 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2600.66 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.1151 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| C2A75347-830A-43DF-B5EB-FB4D33F10034 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2567.02 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.1297 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| CEDDEA4C-CB28-4627-A85F-0AC0F762DECC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2622.03 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.1060 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| C7EE7FB1-1B97-4337-8898-1F6823F7AC2F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3007.19 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 0.6651 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| EF8C5C01-54A8-4E69-B51C-24659C7A92BC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2228.26 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 1.0771 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 885D9B94-C1E6-4616-8E95-0F1CDE1FEB00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2334.86 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1975.00 | No | (No Data) | 0.8459 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 34299D9B-E6F2-4719-B210-6B643BC06350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8749 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1766.21 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2650.00 | No | (No Data) | 1.5004 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 1CC02B97-2B27-4688-8285-EF015033A23A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2349.15 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2350.00 | No | (No Data) | 1.0004 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 9B3B004D-C0BA-4EB2-8966-6C17135EF69A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.6887 | Yes | Yes | 1.32 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.25 | 16.25 | 16.25 | 16.25 | 16.25 | 16.25 | No | No | (No Data) | 14178.46 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> P & L Only - 12 months; | (No Data) | (No Data) | (No Data) |
| AC3F5C47-CC12-4488-8543-96D8865D1C38 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | Yes | No | 3.1 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 28.24 | 0 | 28.24 | 28.24 | 28.24 | (No Data) | (No Data) | (No Data) | 19541.94 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 48 months;<br> P & L - 12 months; | (No Data) | (No Data) | (No Data) |
| 7D5CADC4-3093-432A-AC71-28FFCE1EBEF9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0845 | No | No | 1.728 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.17 | 45.09 | 45.17 | 45.09 | 45.09 | 45.09 | No | No | (No Data) | 12858.39 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 152A62E4-E949-4604-9BA6-9189CB726EC8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7292 | Yes | Yes | 2.44 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.8 | 36.01 | 36.8 | 36.01 | 36.01 | 36.01 | No | No | (No Data) | 7459.3 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L Only - 12 months; | (No Data) | (No Data) | (No Data) |
| 79AA0FE8-5033-4781-9C12-75953F5F36B1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0394 | Yes | Yes | 1.575 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.41 | 39.41 | 39.41 | 39.41 | 39.41 | 39.41 | No | No | (No Data) | 13330.9 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> P & L Only - 12 months; | (No Data) | (No Data) | (No Data) |
| 3520979B-A03E-48FF-9DC8-BA3412CF1860 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1916.11 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.0438 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| F20F3BC3-7DBA-446E-81B4-DD3C7DFB4C0F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5522.58 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4100.00 | No | (No Data) | 0.7424 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| B1D09FC3-1866-48DF-8425-75340D88405B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3294.75 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 3309.00 | No | (No Data) | 1.0043 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| AB28F732-CCD8-471D-AF12-E5070A57537E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2305.98 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 0.7806 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| C0008E76-B060-43E3-B7A3-73BB02A351C3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3815.7 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3000.00 | No | (No Data) | 0.7862 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| A0F222FA-52ED-45C5-B1AE-B5F84400CBEF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6223 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4900.00 | No | (No Data) | 0.7874 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 3B0CAE7D-FC32-43E1-B4B0-CAF794C9FBF5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | Yes | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0291 | No | No | 0.934 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.39 | 46.54 | 46.39 | 46.54 | 46.54 | 46.54 | No | No | (No Data) | 26411.07 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> P & L - 24 months; | (No Data) | (No Data) | (No Data) |
| 89C84A6F-CDB9-44E2-B613-5763D2F0B8D6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4363.34 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3450.00 | No | (No Data) | 0.7907 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 4D4EC5E2-85D8-4C4B-8CAA-78B7B90BDB8C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.6287 | No | No | 4.345 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.59 | 47.59 | 47.59 | 47.59 | 47.59 | 47.59 | No | No | (No Data) | 7053.85 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | Business Bank Statements - 12 months; | (No Data) | (No Data) |
| BD1F338C-CCAE-4B77-8D71-A07FDFC9386D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5385.67 | No | (No Data) | No | (No Data) | No | Yes | Yes | Yes | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4200.00 | No | (No Data) | 0.7798 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; |
| E7BD6D0B-FC4E-43DF-88ED-AB830068BC01 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.6170 | Yes | Yes | 4.524 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.14 | 31.14 | 31.14 | 31.14 | 31.14 | 31.14 | No | No | (No Data) | 7552.16 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| A00CFAB1-C53C-4CA3-AF94-AF7D4312F171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.9628 | No | No | 4.251 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 53.41 | 53.41 | 53.41 | 53.41 | 53.41 | 53.41 | Yes | Yes | Yes | 4781.41 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 17 months; | Personal Bank Statements - 12 months; | (No Data) | (No Data) |
| 1A13CD74-1F98-4B4D-A2FD-93B627E426B3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3035.15 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 0.7577 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 618DCC57-E85C-448B-AC3E-7530C4BE1525 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1240.69 | No | (No Data) | No | (No Data) | No | Yes | Yes | Yes | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 950.00 | No | (No Data) | 0.7657 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; |
| B0FA4968-7E25-482D-8ADE-EF6F15A63D42 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 11.0019 | Yes | Yes | 4.272 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.52 | 23.93 | 28.52 | 23.93 | 23.93 | 23.93 | Yes | Yes | Yes | 13259.84 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 12 months; | (No Data) | (No Data) | (No Data) |
| 82C5B630-110F-43CD-B8DB-E61D30F9DD1C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3250.25 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2400.00 | No | (No Data) | 0.7384 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| A5C57928-38C4-4DE9-BCA4-321090F7FC12 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2216.41 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 0.7670 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 751200C8-BA94-4B5D-9181-42AC3E11456C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.0607 | No | No | 2.596 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 53.26 | 54.03 | 53.26 | 54.03 | 54.03 | 54.03 | Yes | Yes | Yes | 3905.08 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 35 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 10 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 35 months; | (No Data) | (No Data) | (No Data) |
| 896F550C-5F86-4037-AE43-FA4330C27F86 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5840.25 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4000.00 | No | (No Data) | 0.6849 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 7FE18E73-DABF-429C-BBE9-4EF4575D694D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7420.53 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 7427.75 | No | (No Data) | 1.0009 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 14631F7E-B592-4D2F-AEC8-5C07B140A79C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 16.17 | 0 | 16.17 | 16.17 | 16.17 | (No Data) | (No Data) | (No Data) | 103728.7 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 84 months; | (No Data) | (No Data) |
| A282DD6F-6A2B-4B73-8A4F-2C60E8B07105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3597.32 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 0.7505 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 2AF967D9-CCA2-4E6D-ABB9-50261D22672F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3038.73 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 0.7568 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| C91DF062-EB5E-4263-A879-AB741F7356FB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3988.14 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 5880.80 | No | (No Data) | 1.3993 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 5C7A99CF-273D-4C9C-BBE8-DD199371AE03 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3093.75 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2345.00 | No | (No Data) | 0.7579 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 5FF84B13-6D29-4B71-A272-B20CCF524381 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4522.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3550.00 | No | (No Data) | 0.7850 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 5AAD2913-D5A2-48AE-8DED-E75B094FAB2E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.8705 | No | No | 4.959 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.85 | 49.85 | 49.85 | 49.85 | 49.85 | 49.85 | No | No | (No Data) | 2198.42 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 24 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 16CC1857-DB9B-4990-BAB1-5FAAB9A823E6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd >20% OPB | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4702.44 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3650.00 | No | (No Data) | 0.7761 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| F05BEF43-D45F-459F-9D68-A77D8C17B4F3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0175 | Yes | Yes | 2.276 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 16.67 | 16.67 | 16.67 | 16.67 | 16.67 | 16.67 | No | No | (No Data) | 24550.78 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| B371C43F-3083-43C9-9163-43F7C44243B4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2808.48 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 1000.00 | No | (No Data) | 0.3560 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| E67946C3-9599-458A-801A-DAC2C54D0699 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.1736 | No | No | 4.034 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 53.27 | 53.27 | 53.11 | 53.27 | 53.27 | 53.27 | Yes | Yes | Yes | 4875.12 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months; | (No Data) | (No Data) | (No Data) |
| 47D77CD8-1B08-42C7-B2DB-FB68C949ACB4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6699.15 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 7900.00 | No | (No Data) | 1.1792 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 0F40B081-53B1-4122-8DD7-7235D18FC977 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8061 | No | No | 2.454 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 54.84 | 54.84 | 54.84 | 54.84 | 54.84 | 54.84 | Yes | Yes | Yes | 11381.09 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 20 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Offer Letter - 1 months;<br> W2 - 12 months; | W2 - 12 months;<br> Written VOE - 20 months; | (No Data) | (No Data) |
| 3F3E1B6D-A0B7-40A9-A101-C18C74EA4823 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4327.89 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3450.00 | No | (No Data) | 0.7971 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 2484353F-FDDF-4BDC-91CA-ADED84EC88D0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4148.6 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3150.00 | No | (No Data) | 0.7592 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 643D6044-8AA8-4472-A985-0A1404B96473 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4319.87 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3250.00 | No | (No Data) | 0.7523 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 04F24269-64DD-4A62-B406-04DAF7CF4622 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1444.28 | No | (No Data) | No | (No Data) | No | Yes | Yes | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1100.00 | No | (No Data) | 0.7616 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| 8C5307B6-15B4-4EFE-90C1-6AD19E539D28 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.9153 | No | No | 4.111 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.81 | 48.81 | 48.81 | 48.81 | 48.81 | 48.81 | Yes | Yes | Yes | 6423.96 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 240 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | Yes | 240 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 240 months;<br> P & L - 240 months;<br> P & L Only - 24 months; | (No Data) | (No Data) | (No Data) |
| 1F47DB11-0AE8-46E5-837E-057098A26D08 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2856.66 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2150.00 | No | (No Data) | 0.7526 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 4E787E0F-7EC1-440B-8E3D-FA2F39988974 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2203.64 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1725.00 | No | (No Data) | 0.7827 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| D0F4D2D9-667B-4CA2-B64D-2B3C5943E6E2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4987.04 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 0.7619 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| D2C8FE7B-3C0A-4D8F-8ECC-C55A321185B1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7059 | No | No | 0 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 51.29 | 51.3 | 51.29 | 51.3 | 51.3 | 51.3 | No | No | (No Data) | 4513.25 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> Lease Agreement - 12 months; | (No Data) | (No Data) | (No Data) |
| A2FE8439-3A06-4BCA-A7E9-3FE855ABCEF2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8058 | Yes | Yes | 1.691 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.33 | 38.33 | 38.33 | 38.33 | 38.33 | 38.33 | No | No | (No Data) | 19707.92 | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> P & L Only - 24 months; | CPA Letter - 24 months;<br> P & L Only - 24 months; | (No Data) | (No Data) |
| 360519B1-5D7E-43F7-89C2-D1D90ED2BE6F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6320.92 | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4800.00 | No | (No Data) | 0.7593 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| 0DC9E8B1-8969-48BA-ABFF-405280CCB399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.9238 | No | No | 3.464 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 53.79 | 54.05 | 53.79 | 54.05 | 54.05 | 54.05 | Yes | Yes | No | 2412.31 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| E795132F-5559-41FB-BD9F-6948F262C512 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 5.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8157.76 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12000.00 | No | (No Data) | 1.4709 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 9C97F907-8A99-4852-992A-8111CB1CF56C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1470.96 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1635.00 | No | (No Data) | 1.1115 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 2E62F7CC-20F0-433E-87AF-989685459528 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2998.49 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | No | (No Data) | (No Data) | Yes | 3100.00 | No | (No Data) | 1.0339 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| 603B6A18-52E7-4F93-938E-71613908F0F9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4062.95 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 4200.00 | No | (No Data) | 1.0337 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **PRPM 2025-NQM3** | **PRPM 2025-NQM3** | **PRPM 2025-NQM3** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **3/30/2022 - 4/9/2025** | **3/30/2022 - 4/9/2025** | **3/30/2022 - 4/9/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **82** | **82** | **82** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *82* | *82* | *82* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 4ACF06A6-37F9-433D-8A11-9450CB6A2801 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2B4B1C22-3A3D-4AD5-AE90-09A5C8000E0C | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 10.125 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| E6A0E8FE-D422-4A58-8D13-FEE9C51C323D | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| D78E9A1A-FB8F-4C59-A2A9-B315F87BC239 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| B23FCD26-AEFD-4096-AE03-141312F2418D | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 6118E1F2-6BAB-469D-A41B-3949029B3882 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11370 | XXXXXX | 7.952 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 7983.04 |
| 9BAA7C9C-62E2-486B-A86A-7A572FD599DD | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 4F3A4992-DC06-49B4-AE29-3FB8C39F9B38 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| E6D503CC-6C08-44DA-B7C5-B816450B5665 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 6DF6859B-F1CE-426F-B97E-9EF64CFBCD61 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| DBBEC5AE-531D-4F8E-ADE9-A83FC21B449C | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 11793 | XXXXXX | 7.7881 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| A36F665D-17D8-42CD-B8FD-AC51E997F570 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 988CBD9D-353D-41C5-9761-E667916265C4 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 10815 | XXXXXX | 9.1211 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 0918D7EC-7E97-4CDE-A861-3E3A097C616A | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 639B742B-C997-4EF2-9724-DFF385DC1316 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6251 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| BFE1281B-98F1-4524-ADFC-EAC87CE4A751 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| BDB04DD3-FE89-45FF-88FA-70E4ADFD9D23 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0001 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| A427DB35-8E28-4F8A-BD3E-6FD04BF688C6 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 84568765-4F2A-4C9B-B05B-8A97EB6DDAD3 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 7A8A804B-BF6A-427D-B053-1160AEB6B253 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 1DA22729-0F69-40F8-84DB-AF4B4B54D070 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| C2A75347-830A-43DF-B5EB-FB4D33F10034 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| CEDDEA4C-CB28-4627-A85F-0AC0F762DECC | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| C7EE7FB1-1B97-4337-8898-1F6823F7AC2F | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| EF8C5C01-54A8-4E69-B51C-24659C7A92BC | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 885D9B94-C1E6-4616-8E95-0F1CDE1FEB00 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 34299D9B-E6F2-4719-B210-6B643BC06350 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.8749 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 1CC02B97-2B27-4688-8285-EF015033A23A | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 9B3B004D-C0BA-4EB2-8966-6C17135EF69A | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 2643 | XXXXXX | 9.6887 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| AC3F5C47-CC12-4488-8543-96D8865D1C38 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 7D5CADC4-3093-432A-AC71-28FFCE1EBEF9 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18544 | XXXXXX | 8.0845 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 152A62E4-E949-4604-9BA6-9189CB726EC8 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12692 | XXXXXX | 7.7292 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 79AA0FE8-5033-4781-9C12-75953F5F36B1 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12217.2 | XXXXXX | 7.0394 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 3520979B-A03E-48FF-9DC8-BA3412CF1860 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| F20F3BC3-7DBA-446E-81B4-DD3C7DFB4C0F | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| B1D09FC3-1866-48DF-8425-75340D88405B | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| AB28F732-CCD8-471D-AF12-E5070A57537E | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| C0008E76-B060-43E3-B7A3-73BB02A351C3 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| A0F222FA-52ED-45C5-B1AE-B5F84400CBEF | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 3B0CAE7D-FC32-43E1-B4B0-CAF794C9FBF5 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 18593.65 | XXXXXX | 8.0291 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 89C84A6F-CDB9-44E2-B613-5763D2F0B8D6 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 4D4EC5E2-85D8-4C4B-8CAA-78B7B90BDB8C | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 14444 | XXXXXX | 9.6287 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| BD1F338C-CCAE-4B77-8D71-A07FDFC9386D | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| E7BD6D0B-FC4E-43DF-88ED-AB830068BC01 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 12625.47 | XXXXXX | 8.617 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| A00CFAB1-C53C-4CA3-AF94-AF7D4312F171 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 16194 | XXXXXX | 7.9628 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 5000 |
| 1A13CD74-1F98-4B4D-A2FD-93B627E426B3 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 618DCC57-E85C-448B-AC3E-7530C4BE1525 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| B0FA4968-7E25-482D-8ADE-EF6F15A63D42 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 6490.79 | XXXXXX | 11.0019 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 13259.84 |
| 82C5B630-110F-43CD-B8DB-E61D30F9DD1C | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| A5C57928-38C4-4DE9-BCA4-321090F7FC12 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 751200C8-BA94-4B5D-9181-42AC3E11456C | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8194 | XXXXXX | 9.0607 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3905.08 |
| 896F550C-5F86-4037-AE43-FA4330C27F86 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 7FE18E73-DABF-429C-BBE9-4EF4575D694D | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 14631F7E-B592-4D2F-AEC8-5C07B140A79C | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| A282DD6F-6A2B-4B73-8A4F-2C60E8B07105 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5001 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 2AF967D9-CCA2-4E6D-ABB9-50261D22672F | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| C91DF062-EB5E-4263-A879-AB741F7356FB | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5C7A99CF-273D-4C9C-BBE8-DD199371AE03 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 5FF84B13-6D29-4B71-A272-B20CCF524381 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 5AAD2913-D5A2-48AE-8DED-E75B094FAB2E | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 4624 | XXXXXX | 9.8705 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 16CC1857-DB9B-4990-BAB1-5FAAB9A823E6 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| F05BEF43-D45F-459F-9D68-A77D8C17B4F3 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 5514 | XXXXXX | 8.0175 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| B371C43F-3083-43C9-9163-43F7C44243B4 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| E67946C3-9599-458A-801A-DAC2C54D0699 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 8432.28 | XXXXXX | 9.1736 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4875.12 |
| 47D77CD8-1B08-42C7-B2DB-FB68C949ACB4 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 0F40B081-53B1-4122-8DD7-7235D18FC977 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 38637.75 | XXXXXX | 7.8061 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | Yes | 11381.09 |
| 3F3E1B6D-A0B7-40A9-A101-C18C74EA4823 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 2484353F-FDDF-4BDC-91CA-ADED84EC88D0 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 643D6044-8AA8-4472-A985-0A1404B96473 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 04F24269-64DD-4A62-B406-04DAF7CF4622 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 8C5307B6-15B4-4EFE-90C1-6AD19E539D28 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 24006.5 | XXXXXX | 8.9153 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6423.97 |
| 1F47DB11-0AE8-46E5-837E-057098A26D08 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 4E787E0F-7EC1-440B-8E3D-FA2F39988974 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| D0F4D2D9-667B-4CA2-B64D-2B3C5943E6E2 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| D2C8FE7B-3C0A-4D8F-8ECC-C55A321185B1 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 7.7059 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| A2FE8439-3A06-4BCA-A7E9-3FE855ABCEF2 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 16523.93 | XXXXXX | 7.8058 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 360519B1-5D7E-43F7-89C2-D1D90ED2BE6F | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.999 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 0DC9E8B1-8969-48BA-ABFF-405280CCB399 | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXXX | XXXXXX | No | No | 9944 | XXXXXX | 7.9238 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2412.31 |
| E795132F-5559-41FB-BD9F-6948F262C512 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 62325 | XXXXXX | 5.125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 9C97F907-8A99-4852-992A-8111CB1CF56C | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 2E62F7CC-20F0-433E-87AF-989685459528 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 603B6A18-52E7-4F93-938E-71613908F0F9 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 22050 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.4

**Exhibit 99.4 Schedule 6**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | PRPM 2025-NQM3 | PRPM 2025-NQM3 | PRPM 2025-NQM3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | 3/30/2022 - 4/99/2025 | 3/30/2022 - 4/99/2025 | 3/30/2022 - 4/99/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | 82 | 82 | 82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *82* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** |
| 4ACF06A6-37F9-433D-8A11-9450CB6A2801 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 2B4B1C22-3A3D-4AD5-AE90-09A5C8000E0C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.1 |
| E6A0E8FE-D422-4A58-8D13-FEE9C51C323D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| D78E9A1A-FB8F-4C59-A2A9-B315F87BC239 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| B23FCD26-AEFD-4096-AE03-141312F2418D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 6118E1F2-6BAB-469D-A41B-3949029B3882 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 9BAA7C9C-62E2-486B-A86A-7A572FD599DD | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 4F3A4992-DC06-49B4-AE29-3FB8C39F9B38 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| E6D503CC-6C08-44DA-B7C5-B816450B5665 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 6DF6859B-F1CE-426F-B97E-9EF64CFBCD61 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |
| DBBEC5AE-531D-4F8E-ADE9-A83FC21B449C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| A36F665D-17D8-42CD-B8FD-AC51E997F570 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 988CBD9D-353D-41C5-9761-E667916265C4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 0918D7EC-7E97-4CDE-A861-3E3A097C616A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 639B742B-C997-4EF2-9724-DFF385DC1316 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| BFE1281B-98F1-4524-ADFC-EAC87CE4A751 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| BDB04DD3-FE89-45FF-88FA-70E4ADFD9D23 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| A427DB35-8E28-4F8A-BD3E-6FD04BF688C6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 84568765-4F2A-4C9B-B05B-8A97EB6DDAD3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 7A8A804B-BF6A-427D-B053-1160AEB6B253 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 1DA22729-0F69-40F8-84DB-AF4B4B54D070 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| C2A75347-830A-43DF-B5EB-FB4D33F10034 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| CEDDEA4C-CB28-4627-A85F-0AC0F762DECC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| C7EE7FB1-1B97-4337-8898-1F6823F7AC2F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| EF8C5C01-54A8-4E69-B51C-24659C7A92BC | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 885D9B94-C1E6-4616-8E95-0F1CDE1FEB00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 34299D9B-E6F2-4719-B210-6B643BC06350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 1CC02B97-2B27-4688-8285-EF015033A23A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 9B3B004D-C0BA-4EB2-8966-6C17135EF69A | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| AC3F5C47-CC12-4488-8543-96D8865D1C38 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 7D5CADC4-3093-432A-AC71-28FFCE1EBEF9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 152A62E4-E949-4604-9BA6-9189CB726EC8 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 79AA0FE8-5033-4781-9C12-75953F5F36B1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 3520979B-A03E-48FF-9DC8-BA3412CF1860 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| F20F3BC3-7DBA-446E-81B4-DD3C7DFB4C0F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.45% | XXXXXX | 6.000 | 94.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| B1D09FC3-1866-48DF-8425-75340D88405B | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| AB28F732-CCD8-471D-AF12-E5070A57537E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| C0008E76-B060-43E3-B7A3-73BB02A351C3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| A0F222FA-52ED-45C5-B1AE-B5F84400CBEF | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 3B0CAE7D-FC32-43E1-B4B0-CAF794C9FBF5 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 89C84A6F-CDB9-44E2-B613-5763D2F0B8D6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 4D4EC5E2-85D8-4C4B-8CAA-78B7B90BDB8C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| BD1F338C-CCAE-4B77-8D71-A07FDFC9386D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 1.33% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| E7BD6D0B-FC4E-43DF-88ED-AB830068BC01 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| A00CFAB1-C53C-4CA3-AF94-AF7D4312F171 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 1A13CD74-1F98-4B4D-A2FD-93B627E426B3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 618DCC57-E85C-448B-AC3E-7530C4BE1525 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| B0FA4968-7E25-482D-8ADE-EF6F15A63D42 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 82C5B630-110F-43CD-B8DB-E61D30F9DD1C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| A5C57928-38C4-4DE9-BCA4-321090F7FC12 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.9 |
| 751200C8-BA94-4B5D-9181-42AC3E11456C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 896F550C-5F86-4037-AE43-FA4330C27F86 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 7FE18E73-DABF-429C-BBE9-4EF4575D694D | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| 14631F7E-B592-4D2F-AEC8-5C07B140A79C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| A282DD6F-6A2B-4B73-8A4F-2C60E8B07105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 2AF967D9-CCA2-4E6D-ABB9-50261D22672F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| C91DF062-EB5E-4263-A879-AB741F7356FB | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 5C7A99CF-273D-4C9C-BBE8-DD199371AE03 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 5FF84B13-6D29-4B71-A272-B20CCF524381 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 5AAD2913-D5A2-48AE-8DED-E75B094FAB2E | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 16CC1857-DB9B-4990-BAB1-5FAAB9A823E6 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| F05BEF43-D45F-459F-9D68-A77D8C17B4F3 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| B371C43F-3083-43C9-9163-43F7C44243B4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| E67946C3-9599-458A-801A-DAC2C54D0699 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 47D77CD8-1B08-42C7-B2DB-FB68C949ACB4 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 0F40B081-53B1-4122-8DD7-7235D18FC977 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -7.69% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 3F3E1B6D-A0B7-40A9-A101-C18C74EA4823 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 2484353F-FDDF-4BDC-91CA-ADED84EC88D0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 643D6044-8AA8-4472-A985-0A1404B96473 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 1.25% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 04F24269-64DD-4A62-B406-04DAF7CF4622 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| 8C5307B6-15B4-4EFE-90C1-6AD19E539D28 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 1F47DB11-0AE8-46E5-837E-057098A26D08 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 4E787E0F-7EC1-440B-8E3D-FA2F39988974 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| D0F4D2D9-667B-4CA2-B64D-2B3C5943E6E2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| D2C8FE7B-3C0A-4D8F-8ECC-C55A321185B1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| A2FE8439-3A06-4BCA-A7E9-3FE855ABCEF2 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -0.49% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| 360519B1-5D7E-43F7-89C2-D1D90ED2BE6F | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 0DC9E8B1-8969-48BA-ABFF-405280CCB399 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| E795132F-5559-41FB-BD9F-6948F262C512 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 9C97F907-8A99-4852-992A-8111CB1CF56C | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 2E62F7CC-20F0-433E-87AF-989685459528 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 603B6A18-52E7-4F93-938E-71613908F0F9 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 10.79% | XXXXXX | 17.000 | 83.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

## Exhibit 99.5

**Exhibit 99.5**

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, PRPM 2025-NQM3, LLC ("Client"). The review included a total of 2 newly originated residential mortgage loans, in connection with the securitization identified as PRPM 2025-NQM3 (the "Securitization"). The review began on July 11, 2022, and concluded on July 1, 2024.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM
or ATR Validation / Review of 8 Key Underwriting Factors

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate funds required to close, required reserves

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm program, qualifying rate, terms

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate all concurrent loans are included in the DTI to properly assess
the ability to repay

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate subject loan monthly payment (PITI) and associated obligations

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate debt-to-income ratio (DTI) based upon income and debt documentation
provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Documentation meets Appendix Q requirements for QM Loans

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review credit report for credit history and required credit depth including
any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;b. General
QM for any loans originated under the GQM Rule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing
for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to $66,156 but less
than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing
for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing
for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home1 with a loan amount equal
to or greater than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than $110,260.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification of Income and Assets:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Compliance Review**

Digital Risk performed a "Compliance Review" to the RMBS 4.0 TRID Compliance Scope to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID
Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by
TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine whether specified federal disclosures were provided timely based upon comparison of the application
date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home Ownership Counseling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the correct Right of Rescission document was executed for the transaction
type

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

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

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

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

**Valuation Review**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;b. Review appraisal, determination that property is completely constructed and appraisal is on an "as
is basis," or property is identified as not completely constructed by originating appraiser.

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;l. Where applicable, determine if the file did not contain the appraisal or other valuation method and a
review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional valuation products (CDA's) were obtained to confirm the value was supported within 10%
tolerance. This population was obtained by the client and ordered by Digital Risk.

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

**Data Discrepancy Report**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Originator Back-End DTI | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |

---

**Summary of Results:**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;2 | &nbsp;&nbsp;$704950.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;2 | &nbsp;&nbsp;$704950.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;2 | &nbsp;&nbsp;$704950.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;2 | &nbsp;&nbsp;$704950.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;2 | &nbsp;&nbsp;$704950.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;2 | &nbsp;&nbsp;$704950.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;2 | &nbsp;&nbsp;$704950.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;2 | &nbsp;&nbsp;$704950.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Last Name** | **Note Date** | **Original Loan Amount** | **QM Status** | **ATR Status** | **Compliance Exceptions** | **Credit Exceptions** | **Property Valuation Exceptions** | **Compensating Factors** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 7915962 | XXXX | XX/XX/XXXX | XXXX | Non-QM Verified | N/A | **(Clear) Federal - HPML APR/Compliant- <br>The loan failed the Federal HPML APR test. Using the greater of the disclosed APR XXXX% and the calculated APR XXXX%, the loan is a higher-priced mortgage loan, as defined in Regulation Z. The Date Rate Set was: XX/XX/XXXX. The loan is a compliant HPML. Escrow, prepayment, and appraisal requirements have been met.<br>**  | **(Clear) Income - Other- <br>There are additional employment/income findings. The borrower is self employed and the subject loan closed as a 12 month business bank statement income documentation loan. The loan file did not contain verification the borrower was at least a 25% owner of the business, and did not include the Self Employed Business Narrative Form as required to document the self employment per the Alt Doc bank statement guidelines. In addition, the loan file did not contain the 12 months of business bank statements as required for income calculation per guideline requirements. Additional Conditions May Apply.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>(Clear) Credit Report - Other- <br>There are additional credit findings. The loan file did not contain a UDD/Gap Credit report as required per the program guidelines.<br>Response 1 (XX/XX/XXXX XX:XXPM)<br> Documentation received is sufficient. (Resolved)<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX that supported the value.<br>**  |  | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 7554397 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) No Compliance Findings- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) No Credit Findings- <br>The loan meets all applicable credit guidelines.<br>**  | **(Clear) Appraisal - Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The File contains a CDA which supports the opinion of value in theorigination report.<br>**  |  | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **QM Status** | **ATR Status** |
| XXXX | 7915962 | XXXX | Non-QM Verified | N/A |
| XXXX | 7554397 | XXXX | QM Exempt | ATR Exempt |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 7915962 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 7554397 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report | Valuation Securitization Report |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 7554397 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 7915962 | XXXX | XXXX | XX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  | Stable |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |

---

## Exhibit 99.5

<br> **Exhibit 99.5 Schedule 5**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Report Pulled:** | 6/30/2025 |  |  |  |  |  |
| **Loan Count:** | 2 |  |  |  |  |  |
| **Audit ID** | **Loan Number** | **Loan ID** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | XXXX | 7915962 | XXXX | Originator Back-End DTI | XXXX | XXXX |
| XXXX | XXXX | 7915962 | XXXX | Property Type | Attached | Condo, Low Rise - 4 or fewer stories |

---

## Exhibit 99.6

**Exhibit 99.6**

![](ex99-6_001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

PRPM 2025-NQM3

Dated: June 30, 2025

---

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

---

![](ex99-6_002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by PRPM 2025-NQM3, LLC, and together with its affiliates (the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review.

**Sample size of the assets reviewed.**

The final population of the Review covered 43 Loans, consisting of 38 Residential Loans and 5 Business Purpose loans, totaling an aggregate original principal balance of approximately $16,250,891.00. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Moody's Investors Service, Inc, the NRSRO identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data provided by the Client to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

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Additional information about the data integrity review is included below.

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

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

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

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

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

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

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

**DU/LP Review:** When provided and appropriate, Evolve verified that DU findings included an approved/eligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

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

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

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

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

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

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

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

**Regulatory Compliance:** Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination when applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Industry Group ("SFIG") published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

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

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

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;38 | &nbsp;&nbsp;88.37% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;5 | &nbsp;&nbsp;11.63% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** |

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**Credit Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;32 | &nbsp;&nbsp;74.42% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;25.58% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** |

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**Property Valuation Results Summary**

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;43 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** |

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**Overall Results Summary**

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;32 | &nbsp;&nbsp;74.42% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;25.58% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**43** | &nbsp;&nbsp;**100.00%** |

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**Data Results Summary**

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| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;43 | &nbsp;&nbsp;6.98% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;16 | &nbsp;&nbsp;43 | &nbsp;&nbsp;37.21% |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;43 | &nbsp;&nbsp;6.98% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;LTC | &nbsp;&nbsp;3 | &nbsp;&nbsp;43 | &nbsp;&nbsp;6.98% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;3 | &nbsp;&nbsp;43 | &nbsp;&nbsp;6.98% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;16 | &nbsp;&nbsp;43 | &nbsp;&nbsp;37.21% |
| &nbsp;&nbsp;Min Purchase Price/As-Is Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;43 | &nbsp;&nbsp;6.98% |
| &nbsp;&nbsp;Monthly Payment | &nbsp;&nbsp;3 | &nbsp;&nbsp;43 | &nbsp;&nbsp;6.98% |
| &nbsp;&nbsp;Mtg Pymt | &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;37 | &nbsp;&nbsp;43 | &nbsp;&nbsp;86.05% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;3 | &nbsp;&nbsp;43 | &nbsp;&nbsp;6.98% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;14 | &nbsp;&nbsp;43 | &nbsp;&nbsp;32.56% |
| &nbsp;&nbsp;Prepay Penalty | &nbsp;&nbsp;3 | &nbsp;&nbsp;43 | &nbsp;&nbsp;6.98% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;22 | &nbsp;&nbsp;43 | &nbsp;&nbsp;51.16% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;43 | &nbsp;&nbsp;4.65% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;3 | &nbsp;&nbsp;43 | &nbsp;&nbsp;6.98% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;35 | &nbsp;&nbsp;43 | &nbsp;&nbsp;81.40% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;6 | &nbsp;&nbsp;43 | &nbsp;&nbsp;13.95% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;3 | &nbsp;&nbsp;43 | &nbsp;&nbsp;6.98% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;43 | &nbsp;&nbsp;6.98% |
| &nbsp;&nbsp;Total Closing Costs | &nbsp;&nbsp;3 | &nbsp;&nbsp;43 | &nbsp;&nbsp;6.98% |

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**APPENDIX A**

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

 ****

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

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

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
the presence of the Servicing Disclosure Statement form in the loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the loan file or that the loan file contains documentary evidence that the disclosure was provided to the borrower;

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iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
the presence of the Affiliated Business Arrangement Disclosure in the loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

**(III) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" loans, "covered" loans, "higher-priced" loans, "home" loans or any other similarly designated loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;■ Sales
contract;

&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary
Title;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;■ Right
of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures related to the enumerated tests set forth herein.

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**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>With respect to brokered loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note:
Where available, Evolve reviewed the relevant documents in the loan file and, as necessary, attempted to obtain the loan originator compensation
agreement and/or governing policies and procedures of the loan originator. In the absence of the loan originator compensation agreement
and/or governing policies and procedures, Evolve's review was limited to formal general statements of entity compliance provided
by the loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/loan originator
or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
if the creditor obtained proof of homeownership counseling in connection with a loan to a first time homebuyer that contains a negative
amortization feature;

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
if the terms of the loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising
out of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of loan originator organization and individual loan originator name and NMLSR ID, as applicable, on the credit application, note or loan contract, security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

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**(VIII) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application;
and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

**(IX) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The
general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing
of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified
Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and Urban Development
(24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment
qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Evolve reviews applicable loans for compliance with the ATR and QM rule requirements based upon each loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Evolve determines the loan's status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, Evolve notes as a material exception if the due diligence findings do not confirm the originator's loan designation. Additionally, Evolve notes if an originator loan designation was not provided.

 

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated loans, Evolve reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Evolve reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated loan that satisfied the applicable requirements enumerated above, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated loan that does not satisfy the applicable requirements enumerated above, Evolve then determines whether the loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

 

*<u>General Ability to Repay</u>*

Evolve reviews the loan to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

 

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

Evolve reviews loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Evolve does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Evolve's review is based on information contained in the loan file at the time it is provided to Evolve to review, and only reflects information as of that point in time.

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**(X) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing
and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation;

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

Evolve confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Evolve reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparables and adjustments were reasonable and that pictures were provided and were accurate.

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, Evolve implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. Evolve worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Evolve continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. Evolve has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per Evolve's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that Evolve has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by Evolve will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Evolve to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Evolve.

Evolve reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(XII) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify
tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

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&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the
disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(XIII) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;■ Loan
Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;■ Closing
Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;■ Certain
other disclosures related to the enumerated tests set forth herein.

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## Exhibit 99.6

**Exhibit 99.6 Schedule 1**

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| ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) | ![](ex99-6sch1_001.jpg) |
| **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** | **Data Compare** |
| **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1455182 | XXXXXXXX | XXXXXXXX | Qualifying Credit Score |  | XXX | Verified |
| 1455182 | XXXXXXXX | XXXXXXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1455182 | XXXXXXXX | XXXXXXXX | Mtg Pymt | 2048.92 | 2695.27 | Verified |
| 1455182 | XXXXXXXX | XXXXXXXX | Sales Price | XXXXXXXXXX |  | Verified |
| 1455182 | XXXXXXXX | XXXXXXXX | QM Status |  | Exempt | Verified |
| 1377404 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXX | XXXXXXXX | Verified |
| 1377404 | XXXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1377404 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI |  | 0.13081 |  |
| 1441189 | XXXXXXXXXXX | XXXXXXXXXXX | Amortized Term | XXX | XXX | Verified |
| 1441189 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1441189 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1441189 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634174 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634174 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634174 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634174 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXXX | XXXXXXXXX | Verified |
| 1634174 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1634174 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1633933 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1633933 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1633933 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1633933 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633933 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1633933 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1633933 | XXXXXXXXXXX | XXXXXXXXXXX | Property Type | Condo-Lo 1-4 Stories | Townhouse | Verified |
| 1633933 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1628288 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1628288 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1630890 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1630890 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1630890 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1630890 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1628295 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1628295 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1628295 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1628468 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1628468 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1628468 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1628557 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1628557 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1628557 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1628557 | XXXXXXXXXXX | XXXXXXXXXXX | Property Type | PUD-Detached | PUD-Attached | Verified |
| 1628557 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt |  |
| 1629701 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1629701 | XXXXXXXXXXX | XXXXXXXXXXX | Property Zip | XXXXX | XXXXX | Verified |
| 1629701 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt |  |
| 1628298 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1628298 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1633087 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633087 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1633087 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt |  |
| 1633122 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633122 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1633122 | XXXXXXXXXXX | XXXXXXXXXXX | Property Zip | XXXXX | XXXXX | Verified |
| 1633122 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634185 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634185 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634185 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634185 | XXXXXXXXXXX | XXXXXXXXXXX | Property Zip | XXXX | XXXXX | Verified |
| 1634185 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1632999 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1632999 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1632999 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634187 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634187 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634187 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634187 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1634187 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1633127 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633127 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1633127 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1633194 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633194 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1633194 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1633938 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1633938 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1633938 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633938 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1633092 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633092 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1633092 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1633939 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1633939 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1633939 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1633939 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633939 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1633939 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1633939 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634260 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634260 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634260 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634260 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1634260 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1633131 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633131 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1633131 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1633249 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying Credit Score | XXX | XXX |  |
| 1633249 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633249 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1633249 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1633517 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633517 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1633956 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1633956 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1633956 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633956 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1633956 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634259 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634259 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634259 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634259 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1634259 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634052 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634052 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634052 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634052 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1633576 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1633576 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1633576 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1633576 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634162 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634162 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634162 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634162 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634206 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634206 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634206 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634206 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1634206 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1634206 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634164 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634164 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634164 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634164 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1634164 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634266 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1634266 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634266 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634266 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634266 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1634266 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1634207 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634207 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634207 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634207 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1634207 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CALLY 30 YR FIXED | ACNR30YF | Verified |
| 1634207 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt |  |
| 1634168 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1634168 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634168 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXXXXXXX | XXXXXXXX | Verified |
| 1634168 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1634168 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1634168 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1359248 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1359248 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Self-Employment Flag | Y | N |  |
| 1355506 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXX | XXXXXXXX | Verified |
| 1355506 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.42966 | 0.44950 | Verified |
| 1450138 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 0.49362 | 0.48740 | Verified |
| 1335021 | XXXXXXXXXXX | XXXXXXXXXXX | DSCR | 1.810 | 1.840 | Verified |
| 1335021 | XXXXXXXXXXX | XXXXXXXXXXX | Documentation Type |  | Debt Service Coverage | Verified |
| 1335021 | XXXXXXXXXXX | XXXXXXXXXXX | Index Type |  | 1YearWallStreetJournalLIBORRateMonthly | Verified |
| 1335021 | XXXXXXXXXXX | XXXXXXXXXXX | Interest Only Term | 0 |  | Verified |
| 1335021 | XXXXXXXXXXX | XXXXXXXXXXX | LTC | 0.667600 |  | Verified |
| 1335021 | XXXXXXXXXXX | XXXXXXXXXXX | Margin |  | 4.00 | Verified |
| 1335021 | XXXXXXXXXXX | XXXXXXXXXXX | Min Purchase Price/As-Is Value |  | 136000.00 | Verified |
| 1335021 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1335021 | XXXXXXXXXXX | XXXXXXXXXXX | Original P&I |  | XXXXX | Verified |
| 1335021 | XXXXXXXXXXX | XXXXXXXXXXX | Monthly Payment | 579.14 | 1061.75 | Verified |
| 1335021 | XXXXXXXXXXX | XXXXXXXXXXX | Prepay Penalty |  | 60 | Verified |
| 1335021 | XXXXXXXXXXX | XXXXXXXXXXX | Self-Employment Flag | N | Y |  |
| 1335021 | XXXXXXXXXXX | XXXXXXXXXXX | Total Closing Costs | 16777.6200 |  | Verified |
| 1335016 | XXXXXXXXXXX | XXXXXXXXXXX | Documentation Type | Alternative | Debt Service Coverage | Verified |
| 1335016 | XXXXXXXXXXX | XXXXXXXXXXX | Index Type |  | 1YearWallStreetJournalLIBORRateMonthly | Verified |
| 1335016 | XXXXXXXXXXX | XXXXXXXXXXX | LTC | 0.707300 |  | Verified |
| 1335016 | XXXXXXXXXXX | XXXXXXXXXXX | Margin |  | 4.00 | Verified |
| 1335016 | XXXXXXXXXXX | XXXXXXXXXXX | Min Purchase Price/As-Is Value |  | 132000.00 | Verified |
| 1335016 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1335016 | XXXXXXXXXXX | XXXXXXXXXXX | Original P&I |  | XXXXX | Verified |
| 1335016 | XXXXXXXXXXX | XXXXXXXXXXX | Monthly Payment | 591.33 | 1084.91 | Verified |
| 1335016 | XXXXXXXXXXX | XXXXXXXXXXX | Prepay Penalty |  | 60 | Verified |
| 1335016 | XXXXXXXXXXX | XXXXXXXXXXX | Total Closing Costs | 17300.5500 |  | Verified |
| 1335061 | XXXXXXXXXXX | XXXXXXXXXXX | Documentation Type | Alternative | Debt Service Coverage | Verified |
| 1335061 | XXXXXXXXXXX | XXXXXXXXXXX | Index Type |  | 1YearWallStreetJournalLIBORRateMonthly | Verified |
| 1335061 | XXXXXXXXXXX | XXXXXXXXXXX | LTC | 0.706200 |  | Verified |
| 1335061 | XXXXXXXXXXX | XXXXXXXXXXX | Margin |  | 4.00 | Verified |
| 1335061 | XXXXXXXXXXX | XXXXXXXXXXX | Min Purchase Price/As-Is Value |  | 128000.00 | Verified |
| 1335061 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1335061 | XXXXXXXXXXX | XXXXXXXXXXX | Original P&I |  | XXXXX | Verified |
| 1335061 | XXXXXXXXXXX | XXXXXXXXXXX | Monthly Payment | 573.41 | 1052.09 | Verified |
| 1335061 | XXXXXXXXXXX | XXXXXXXXXXX | Prepay Penalty |  | 60 | Verified |
| 1335061 | XXXXXXXXXXX | XXXXXXXXXXX | Self-Employment Flag | N | Y |  |
| 1335061 | XXXXXXXXXXX | XXXXXXXXXXX | Total Closing Costs | 17004.5700 |  | Verified |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) | ![](ex99-6sch2_001.jpg) |
| **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** | **Exception Detail** |
| **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Overall Initial Loan Grade** | **Overall Final Loan Grade** | **Credit Initial Loan Grade** | **Credit Final Loan Grade** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Property Initial Loan Grade** | **Property Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1335016 | XXXXXXXXXXX | XXXXXXXXXXX | 6588039 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX XXXXXXXXXX must list the borrower entity(not a natural person) as the "borrower/client" XXXXX whole sale XXXXXXX loans, the appraisal must list XXXX (or a XXXX affiliate(as the lender |  | Approval to move forward with the members name listed as the borrower on the appraisal instead of the entity name and the lender name is under XXXX and not listed as XXXXXX XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXXXXX XXXXXXXX months reserves, XXXX XXXX | Reviewer 01/10/2022 11:15 AM; Approval to move forward with the members name listed as the borrower on the appraisal instead of the entity name and the lender name is under XXXX and not listed as XXXXX<br>|  |  | 01/10/2022 | B | 2 | XXXXXXXXXX | NY | 3 | 3 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1335016 | XXXXXXXXXXX | XXXXXXXXXXX | 6589570 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Hazard Insurance policy does not reflect rental loss coverage. | Document provided |  | Client 02/01/2022 05:22 PM; Please refer to the document that is in the system and that I have screenshot in today's upload. Coverage lists both dwelling and rent loss coverage, so this can be cleared<br>Reviewer 02/02/2022 05:25 AM; <br>Reviewer 02/02/2022 05:48 AM; <br>Reviewer 02/02/2022 12:13 PM; cleared X/X<br>| 02/02/2022 |  |  | A | 1 | XXXXXXXXXX | NY | 3 | 3 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1335021 | XXXXXXXXXXX | XXXXXXXXXXX | 6586923 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXX XXXXXXXXXX must list the borrower entity(not a natural person) as the "borrower/client" XXXXX whole sale XXXXXXX loans, the appraisal must list XXXX (or a XXXX affiliate(as the lender |  | Approval to move forward with the members name listed as the borrower on the appraisal instead of the entity name and the lender name is under XXXX and not listed XXXXXX XXXXX funding XXXXXX is a new XXXX counterparty and just submitted another XX loans with the same borrower. XXXXXXXXX to move forward on all XX loans. XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXXXXX XXXXXXXX months reserves, XXXX XXXX |  |  |  | 01/08/2022 | B | 2 | XXXXXXXXXX | NY | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1335061 | XXXXXXXXXXX | XXXXXXXXXXX | 6586926 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXX XXXXXXXXXX must list the borrower entity(not a natural person) as the "borrower/client" XXXXXXX whole sale XXXXXXX loans, the appraisal must list XXXX (or a XXXX affiliate(as the lender |  | Approval to move forward with the members name listed as the borrower on the appraisal instead of the entity name and the lender name is under XXXX and not listed XXXXXX XXXXX funding XXXXXX is a new XXXX counterparty and just submitted another XX loans with the same borrower. XXXXXXXXX to move forward on all XX loans XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXXXXX XXXXXXXX months reserves, XXXX XXXX |  |  |  | 01/08/2022 | B | 2 | XXXXXXXXXX | NY | 3 | 3 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1355506 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 6662382 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 02/17/2022 |  |  | A | 1 | XXXXXXXXXX | CO | 1 | 1 | D | A | A | A | D | A | A | A |  | Non-QM | 1 |
| 1355506 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | 6661460 | 108 | XXXXXXXXXX | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - is missing. |  |  | LOI to re-record not required. |  | Reviewer 02/17/2022 07:59 AM; Tdoc XXX provided is missing the legal description and the XXXXX rider attached. Please provide.<br>Reviewer 02/18/2022 05:55 AM; Rec''''d full copy of XXX. Please provide a XXX to re-record.<br>Client 02/18/2022 09:15 AM; No XXX is needed, this was the original document that was signed at closing and is being recorded. Thanks. Please escalate if needed.<br>Reviewer 02/18/2022 11:32 AM; <br>Reviewer 02/18/2022 01:27 PM; Hello, <br> XXXXXXXXXX has been cleared. <br> Thank you, XXXXXX<br>| 02/18/2022 |  |  | A | 1 | XXXXXXXXXX | CO | 1 | 1 | D | A | A | A | D | A | A | A |  | Non-QM | 1 |
| 1377404 | XXXXXXXXXX | XXXXXXXXXX | 6762402 | 357 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Cash Back Exceeds Limit |  | XXXXXXXXX XX XXXXXX XXXXXXXXXXX project has no reserve allocation vs program requirement that's the XXX's annual budget must include an allowance for capital reserves of not less than X% of total expenditures included in such budget, (XXXX XXXXX has liquid assets equal to XX.XX% of the XXXX expenses) |  | COMPENSATING XXXXXXX: XXXXXXX of the XXX was turned over to unit owners in XXXXXXX XXXX. XX pending litigation, no delinquencies, no commercial space. XXX is XX.XX%, X.XX% < program maximum of XX%. XXXXXX XXXXX is XXX, XX points > program requirement of XXX. XXXXXXXX are XX.XX months, XX.XX months > program requirement of X months XXX is XX.XXX%, XX.XXX% < program requirement of XX% XXXXXXXX is self-employed; XXX% owner of her business as a XXXXXXXX XXXXXXX XXXXXXXXXX since XX/XX/XXXX. XX public records and no late payments on credit report with X closed mortgages rated XXXX since inception XXXXXXXXX XXXXXXXXX XX: XXXXXXX XXXXXX XXXXXXXXX XXXXXXXX XX: XXXXXX XXXXXXX (XXXX XXXXXXXX: X.XXX%) XXX-XXXXXXXXXXX condo adjustment required |  |  |  | 04/07/2022 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1377404 | XXXXXXXXXX | XXXXXXXXXX | 6762410 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | \*XXXX reflects income calculations used XXXX XX XXXXXXXXXX when only XXXX XX XXXXXXXXXX were used to qualify the borrower. | Received updated XXXX |  |  | 04/11/2022 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | A | A | A | A |  | Non-QM | 1 |
| 1441189 | XXXXXXXXXXX | XXXXXXXXXXX | 6977575 | 1068 | XXXXXXXXXX | Credit | UW Other |  | UW Other - Fraud Alert was not addressed |  | Fraud XXXXXX missing from file. | revised report provided |  | Reviewer 10/21/2022 08:39 PM; The document received is not the complete fraud report<br>Reviewer 10/25/2022 03:26 PM; The document received did not load<br>Reviewer 10/31/2022 11:45 AM; The name XXXXX XXXXXXX (XXXX XXXXX) was not listed on the participant XXXXXX of the fraud report received.<br>| 11/08/2022 |  |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 | C | A | C | A | N/A | N/A | A | A |  | Exempt | 1 |
| 1455182 | XXXXXXXX | XXXXXXXX | 7019550 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Utilized XX% of XX month look back of XXXXX XXXX XXXXXXX for XXXX calculations |  | Exception granted: XXXXXXXXX XXXX of XXXXXX XXXXX rental for XXXXX calculations, XXXXXXXXX supplied that has operated as short term for a number of years. XXXXX use a licensed XXXXXXXXX XXXXXXXXXXX company to run. XXXXXXXXXXXXX XXXXXXXXX XXXXX of XXXXXXX XXXXXXXX months reserves, XXXX XXXXXX XXXX of XXX |  |  |  | 12/07/2022 | B | 2 | XXXXXXXXXX | FL | 3 | 13 | C | B | C | B | N/A | N/A | A | A |  | Exempt | 1 |
| 1628288 | XXXXXXXXXXX | XXXXXXXXXXX | 7121274 | 1006 | XXXXXXXXXX | Credit | UW Approval |  | UW Approval - UW Approval - 1008 or 92900 LT missing |  | Missing final loan approval and XXXXXX | received loan approval and XXXX |  |  | 12/05/2024 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | D | A | D | A | A | A | A | A |  | Exempt | 1 |
| 1628295 | XXXXXXXXXXX | XXXXXXXXXXX | 7121269 | 1006 | XXXXXXXXXX | Credit | UW Approval |  | UW Approval - UW Approval - 1008 or 92900 LT missing |  | Missing final loan approval. | Champion approval provided |  |  | 12/12/2024 |  |  | A | 1 | XXXXXXXXXX | OH | 1 | 1 | D | A | D | A | C | A | A | A |  | Exempt | 1 |
| 1628295 | XXXXXXXXXXX | XXXXXXXXXXX | 7121158 | 72 | XXXXXXXXXX | Compliance | Closing Package |  | Closing Package - |  | File must contain XXXXXXXXXX XXXXXXXXXX XXXXXXXXXXXXX | HBEC cert provided |  |  | 12/12/2024 |  |  | A | 1 | XXXXXXXXXX | OH | 1 | 1 | D | A | D | A | C | A | A | A |  | Exempt | 1 |
| 1628298 | XXXXXXXXXXX | XXXXXXXXXXX | 7121260 | 389 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Missing XXXXXX report with all high and medium alerts cleared. | LoanRisk XXXXXXXX report provided |  |  | 12/12/2024 |  |  | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | D | A | D | A | C | A | A | A |  | Exempt | 1 |
| 1628298 | XXXXXXXXXXX | XXXXXXXXXXX | 7121261 | 1006 | XXXXXXXXXX | Credit | UW Approval |  | UW Approval - UW Approval - 1008 or 92900 LT missing |  | Missing signed final loan approval and XXXXXX | Loan XXXXXXXXX and XXXXX provided. |  |  | 12/12/2024 |  |  | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | D | A | D | A | C | A | A | A |  | Exempt | 1 |
| 1628298 | XXXXXXXXXXX | XXXXXXXXXXX | 7121611 | 846 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Provide evidence home ownership counseling disclosure was disclosed to the borrower within XX days of application date of XXXXXXXXXXXX | Information provided |  | Reviewer 12/12/2024 12:42 PM; No documentation provided<br>| 12/13/2024 |  |  | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | D | A | D | A | C | A | A | A |  | Exempt | 1 |
| 1628298 | XXXXXXXXXXX | XXXXXXXXXXX | 7121612 | 846 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Provide XXXXX dated within XX days of application date of XXXXXXXXXXXXX XXXXX was not located in file. | Information provided |  | Reviewer 12/12/2024 12:42 PM; No documentation provided<br>| 12/13/2024 |  |  | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | D | A | D | A | C | A | A | A |  | Exempt | 1 |
| 1628298 | XXXXXXXXXXX | XXXXXXXXXXX | 7121613 | 894 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Other |  | Provide initial XXX and any revised XXXXXXXXXX XXX XXXXXXXX were located in file. | Information provided |  | Reviewer 12/12/2024 12:42 PM; No documentation provided<br>| 12/13/2024 |  |  | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | D | A | D | A | C | A | A | A |  | Exempt | 1 |
| 1628298 | XXXXXXXXXXX | XXXXXXXXXXX | 7121614 | 896 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID CD-Timing |  | Provide initial XXXXX XXXXX final XXX was located in file. | Information provided |  | Reviewer 12/12/2024 12:42 PM; No documentation provided<br>| 12/13/2024 |  |  | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | D | A | D | A | C | A | A | A |  | Exempt | 1 |
| 1628298 | XXXXXXXXXXX | XXXXXXXXXXX | 7121615 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 12/13/2024 |  |  | A | 1 | XXXXXXXXXX | AZ | 1 | 1 | D | A | D | A | C | A | A | A |  | Exempt | 1 |
| 1628468 | XXXXXXXXXXX | XXXXXXXXXXX | 7123089 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing complete fraud report | LoanSafe XXXXX XXXXXXXX with XXXXXX score of XXXX provided. |  | Reviewer 12/23/2024 11:55 AM; Received XXXXXX report. XXXXXXXX lender comments to clear all the high and medium alerts and acceptable XXXX search for appraiser, XXXXXX XXXXXXXX <br>| 12/23/2024 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628468 | XXXXXXXXXXX | XXXXXXXXXXX | 7123092 | 317 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Hud-1 from sale |  | Missing signed closing disclosure dated XXXXXXXXXXX on the sale of XXXXX XXXXXXX XXX and confirmation that net proceeds of XXXXXXXXXXXXXX was deposited into borrower account(s) prior to the purchase of the subject property | Signed XXX provided. |  |  | 12/23/2024 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628468 | XXXXXXXXXXX | XXXXXXXXXXX | 7123053 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing complete |  |  | 12/23/2024 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628468 | XXXXXXXXXXX | XXXXXXXXXXX | 7123054 | 894 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Other |  | Missing XXXXXXXXXX XXXXX initial XXX issued within XX days of XXXXXX application date and any revised XXXXXXXXX | Information provided |  |  | 12/23/2024 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628468 | XXXXXXXXXXX | XXXXXXXXXXX | 7123055 | 920 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID-Missing Final CD |  | Need final XXX signed same day as closing date of XXXXXXX | Information provided |  |  | 12/23/2024 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628468 | XXXXXXXXXXX | XXXXXXXXXXX | 7123056 | 973 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Other |  | Need XXXXXXX XXXX | Information provided |  |  | 12/23/2024 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628468 | XXXXXXXXXXX | XXXXXXXXXXX | 7123057 | 846 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Need XXXXX issued within XX days of XXXXXX application date. | Information provided |  |  | 12/23/2024 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1628468 | XXXXXXXXXXX | XXXXXXXXXXX | 7123058 | 875 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Other: |  | Need XXXXX XXXXX XXXXXXXX issued within XX days of XXXXXX application date. | Information provided |  | Reviewer 12/23/2024 03:44 PM; Document was corrupt. XXXXXXX to open<br>| 12/27/2024 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 1 | C | A | C | A | C | A | A | A |  | Exempt | 1 |
| 1629701 | XXXXXXXXXXX | XXXXXXXXXXX | 7122894 | 846 | XXXXXXXXXX | Compliance | Disclosure |  | Disclosure - Missing initial disclosure within 3 days of application |  | Need XXXXX XXXXX XXXXXXXX issued within XX days of XXXXXX application date. | Information provided |  |  | 12/19/2024 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1630890 | XXXXXXXXXXX | XXXXXXXXXXX | 7124936 | 896 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID CD-Timing |  | Provide evidence XXXXXXXX dated XXXXXXXXXX and XXXXXXXXXXX were rec''''d by the borrower at or prior to consummation date of XXXXXXXXXXXX | Information provided |  | Reviewer 01/15/2025 12:54 PM; Received proof of receipt of the XXXXXX XXXXX XXXXXX need proof of receipt of XXXXX XX<br>| 01/15/2025 |  |  | A | 1 | XXXXXXXXXX | RI | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1630890 | XXXXXXXXXXX | XXXXXXXXXXX | 7124937 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 01/15/2025 |  |  | A | 1 | XXXXXXXXXX | RI | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1632999 | XXXXXXXXXXX | XXXXXXXXXXX | 7130095 | 897 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID CD- Other |  | There is an XXX dated XXXX and an XXXXXXXX XXX dated XXXXXX XXXXXXXX cannot be issued on or after XXXXXXXXXX XXXXX is XXXXXXXXX compliant. | information provided |  |  | 02/24/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | C | A | A | A |  | Exempt | 1 |
| 1632999 | XXXXXXXXXXX | XXXXXXXXXXX | 7130162 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing previous primary residence from XXXXXXXXX of XXXXX XXXXXXX XXXXXX as required by guideline all XXXXX XXXXXXX must be listed on the XXXXX (schedule of XXXXX XXXXXXX owned). XXXX address of the property not listed is XX XXXXXXX XXXXXX XXXXXXXXXXX XXX XXXXXXX | received XXXXX with XXXX complete |  |  | 03/28/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | C | A | A | A |  | Exempt | 1 |
| 1632999 | XXXXXXXXXXX | XXXXXXXXXXX | 7130163 | 319 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Seller Credit exceeds limit |  | The max seller credit can not exceed XXX which is XXXXXXXXXXX XXXX seller credit on this loan is at XXXXXXXXX exceeds guideline. |  | received exception approval for seller credit/ XXXXXXXXXXXXX XXXXXXXX - XXXX XXXXX XXX months reserves, score XXX |  |  |  | 03/14/2025 | B | 2 | XXXXXXXXXX | TX | 1 | 1 | C | B | C | B | C | A | A | A |  | Exempt | 1 |
| 1633122 | XXXXXXXXXXX | XXXXXXXXXXX | 7130481 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | CDA is missing from this file | CDA provided. |  | Client 03/04/2025 01:52 PM; Good afternoon XXXXXXXXX XXXXXXX clear this condition due to the XXXXX XXXX score being under XXXXX per XXXXXXXXXX guidelines no XXXX is required. XXXXXX you. <br>Reviewer 03/04/2025 02:42 PM; Per guidelines, a desk review or XXXX is required on all XXXXXX XXX ratio loans<br>Reviewer 03/04/2025 02:42 PM; Per guidelines, a desk review or XXXX is required on all XXXXXX XXX ratio loans<br>Reviewer 03/04/2025 02:42 PM; Per guidelines, a desk review or XXXX is required on all XXXXXX XXX ratio loans<br>Reviewer 03/10/2025 09:23 PM; Documentation received did not include a desk review or XXX<br>Client 03/12/2025 08:57 AM; Please find uploaded the clear XXXX for your review. XXXXXX you. <br>Reviewer 03/12/2025 09:27 AM; <br>| 03/12/2025 |  |  | A | 1 | XXXXXXXXXX | CT | 1 | 13 | D | A | D | A | C | A | C | A |  | Exempt | 1 |
| 1633122 | XXXXXXXXXXX | XXXXXXXXXXX | 7130482 | 229 | XXXXXXXXXX | Compliance | UW Approval |  | UW Approval - Signed underwriting approval not in the file: |  | \*Loan XXXXXXXXX is missing from this file | loan approval received |  | Client 03/04/2025 01:55 PM; Please find the loan approval attached. XXXXXX you. <br>Reviewer 03/04/2025 02:38 PM; <br>| 03/04/2025 |  |  | A | 1 | XXXXXXXXXX | CT | 1 | 13 | D | A | D | A | C | A | C | A |  | Exempt | 1 |
| 1633122 | XXXXXXXXXXX | XXXXXXXXXXX | 7130483 | 344 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Missing Terms of First |  | \*Note is missing - XXX XXXXXX of XXXXX found in file | note provided |  | Client 03/04/2025 01:53 PM; Please find the XXXXX uploaded. XXXXXX you. <br>Reviewer 03/04/2025 02:38 PM; <br>| 03/04/2025 |  |  | A | 1 | XXXXXXXXXX | CT | 1 | 13 | D | A | D | A | C | A | C | A |  | Exempt | 1 |
| 1633122 | XXXXXXXXXXX | XXXXXXXXXXX | 7130229 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | information provided |  |  | 03/11/2025 |  |  | A | 1 | XXXXXXXXXX | CT | 1 | 13 | D | A | D | A | C | A | C | A |  | Exempt | 1 |
| 1633122 | XXXXXXXXXXX | XXXXXXXXXXX | 7130230 | 973 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Other |  | Provide evidence XXX dated XXXXXXXXXX was rec''''d by the borrower at or prior to consummation date of XXXXXXXXXXX | information provided |  |  | 03/11/2025 |  |  | A | 1 | XXXXXXXXXX | CT | 1 | 13 | D | A | D | A | C | A | C | A |  | Exempt | 1 |
| 1633122 | XXXXXXXXXXX | XXXXXXXXXXX | 7130315 | 870 | XXXXXXXXXX | Compliance | Appraisal |  | Appraisal - Other: |  | Please provide updated appraisal that reflects the correct XXXXXXX per legal description. | information provided |  | Reviewer 03/11/2025 09:26 AM; Corrected appraisal has not been provided. XXXXXXXXXX final inspection was provided and will not clear def<br>Client 03/21/2025 09:42 AM; Please find uploaded for your review updated county on XXXXXXXXXXXX XXXXXX you. <br>Reviewer 03/21/2025 11:17 AM; Hello <br> XXXXX has been cleared. <br>XXXXXX<br>Reviewer 03/21/2025 11:37 AM; <br>| 03/21/2025 |  |  | A | 1 | XXXXXXXXXX | CT | 1 | 13 | D | A | D | A | C | A | C | A |  | Exempt | 1 |
| 1633127 | XXXXXXXXXXX | XXXXXXXXXXX | 7130534 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Minimum tradelines not met. XXXXXXXXXXX require XX tradelines seasoned minim XXX months or XX tradeline seasoned XXX months. XXXXXXXXX has XX tradelines, XX seasoned XXX months and XX seasoned XX months. |  | Compensating factors: XXXXX XXX points above minimum of XXXXXX XXXX more than XXXX below maximum of XXXXX |  |  |  | 02/25/2025 | B | 2 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | C | A | A | A |  | Exempt | 1 |
| 1633127 | XXXXXXXXXXX | XXXXXXXXXXX | 7130542 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXX reflects incorrect residency. XXXX XXXX in file, XXXXXXXXX has lived at current residence since XXXXXXXXXX XXXXXX address was home owned by XXXXXXXXXXX XXXXX to be updated. | received updated XXXX |  |  | 04/02/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | C | A | A | A |  | Exempt | 1 |
| 1633127 | XXXXXXXXXXX | XXXXXXXXXXX | 7130197 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Information provided |  |  | 03/05/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | C | A | A | A |  | Exempt | 1 |
| 1633127 | XXXXXXXXXXX | XXXXXXXXXXX | 7130198 | 970 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Missing |  | Provide XXX dated within XX days of XXXX with change date of XXXXXXXXXX | Information provided |  |  | 03/05/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | B | C | B | C | A | A | A |  | Exempt | 1 |
| 1633131 | XXXXXXXXXXX | XXXXXXXXXXX | 7130506 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Guidelines require a XXXXX XXXXXXX for loan program. XXXXXXXX second collateral valuation. | received XXX |  | Reviewer 03/05/2025 11:26 AM; Document received did not include the XXXX collateral review. XXXXXXX see page XXX of XXXXXXXXX guidelines for XXXXXXXXXX XXXXXXXXXXXX for loans under XXXXXXXXXXX<br>| 03/13/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | A | A | A | A | C | A |  | Exempt | 1 |
| 1633194 | XXXXXXXXXXX | XXXXXXXXXXX | 7130611 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Missing the second collateral evaluation XXXXXXX XXXXXXXX | Acceptable XXXX provided. |  |  | 03/05/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 1 | 1 | C | B | C | B | A | A | C | A |  | Exempt | 1 |
| 1633194 | XXXXXXXXXXX | XXXXXXXXXXX | 7130612 | 434 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Shorts Funds for Reserves |  | Missing full XX months reserves required for XXX ratio XXXX purchase with a XXXX XXXXX score. XXXX borrower is short XXXXXXXXXXXX in reserves. |  | Exception approval received for short reserves/ XXXXXXXXXXXXX XXXXXXXX - score XXXXX XXXX XXXXX > XX tradelines for over XX years. | Client 03/05/2025 10:52 AM; Please see attached asset breakdown XX am showing the file is short XXXXXXXXXX for reserves. XXXXXXX let me know if you agree and update condition. XX want to make sure before XX go back to XXXXXXXXX to get additional assets. <br>Reviewer 03/05/2025 11:55 AM; The XXX of XXXXXXXXXXXXX was deducted from the XXXX was XXXXXXXXXXXXXXX therefore, XXXX XXXXXXXXXXXXXX reserves XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXX XXXXXX XXXXXXXXXX <br>Reviewer 03/05/2025 11:58 AM; <br>|  |  | 03/24/2025 | B | 2 | XXXXXXXXXX | NJ | 1 | 1 | C | B | C | B | A | A | C | A |  | Exempt | 1 |
| 1633249 | XXXXXXXXXXX | XXXXXXXXXXX | 7130700 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | EXCEPTION XXXXXXXXXX - XXXX XXXX XXXXXXXX XXXXXXX XXXXXXX needs an exception |  | DEVIATION: XXXXXXXXX XXXXXXXXXX - XXX XXXX XXXXXXXX XXXXXXX XXXXXXX XXXXXXXXXXXXX XXXXXXXXX XXXX XXXX XXXX XXXXXXX XXXXX XXXXXXXXXXXXXXXXXX credit score is at least XXX points > minimum XXXXX XXXXXXX XXXXXX XXXXXX XXXXXXXXX at least XXXXXXXX > greater than XX months XXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | 02/26/2025 | B | 2 | XXXXXXXXXX | TX | 1 | 3 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1633517 | XXXXXXXXXXX | XXXXXXXXXXX | 7133099 | 902 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | information provided |  |  | 03/27/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 13 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1633517 | XXXXXXXXXXX | XXXXXXXXXXX | 7133100 | 973 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Other |  | Provide evidence XXX dated XXXXXXXXXX was rec''''d by the borrower at or prior to consummation date of XXXXXXXXXXX | information provided |  | Reviewer 03/21/2025 11:03 AM; If XXX was not disclosed to borrower, please provide evidence of disclosure timeline to support that the XXX was not disclosed to borrower<br>Reviewer 03/25/2025 11:11 AM; Document uploaded is not evidence of disclosure time line. XXXXXXXXXXX remains open<br>| 03/27/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 13 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1633576 | XXXXXXXXXXX | XXXXXXXXXXX | 7132811 | 389 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | A fraud report with all high and medium alerts cleared was not provided. | LoanSafe XXXXX XXXXXXXX XXXXXXX provided. |  | Client 03/11/2025 04:18 PM; Please find cleared XXXXXX XXXXXX for your review. XXXXXX you. <br>Reviewer 03/11/2025 06:06 PM; <br>| 03/11/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | B | A | A | A |  | Exempt | 1 |
| 1633576 | XXXXXXXXXXX | XXXXXXXXXXX | 7132812 | 374 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Evidence of legal residency |  | Evidence of legal residency status was not provided. XXXX borrowers XXXX card was not provided. XXXXXXXXXXXXXX the borrower''''s XXXX type is not an acceptable category per the XXXXXXXXXXXX guidelines. | Champions guidelines confirm category XXXX is acceptable |  |  | 03/11/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | B | A | A | A |  | Exempt | 1 |
| 1633576 | XXXXXXXXXXX | XXXXXXXXXXX | 7132901 | 965 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Contact Information Missing or Incorrect |  | Need a XXXXX with the contact info completed on pg XX for the XXX XXXXXXX XXXXXX and XXXXXXX | Information provided |  |  | 03/13/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | B | A | A | A |  | Exempt | 1 |
| 1633933 | XXXXXXXXXXX | XXXXXXXXXXX | 7132933 | 959 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | Please provide XXXXXX for review of escrow starting balance. | Information provided |  | Reviewer 03/11/2025 09:28 AM; No documentation provided<br>| 03/31/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1633933 | XXXXXXXXXXX | XXXXXXXXXXX | 7133037 | 389 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Missing fraud report with all high and medium alerts cleared. | LoanSafe XXXXX XXXXXXXX XXXXXXX provided. |  | Client 03/10/2025 11:54 AM; Please find cleared XXXXXX XXXXXX uploaded for review. XXXXXX you. <br>Reviewer 03/10/2025 04:32 PM; <br>| 03/10/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1633938 | XXXXXXXXXXX | XXXXXXXXXXX | 7132717 | 897 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID CD- Other |  | Need the XXXXXXX XXXX | Documentation provided |  |  | 03/07/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1633938 | XXXXXXXXXXX | XXXXXXXXXXX | 7132718 | 965 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Contact Information Missing or Incorrect |  | Need a XXXXX with the XXX XXXXXXX XXXXXX and XXXXXX phone numbers listed on pg XXX | Documentation provided |  |  | 03/07/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1633939 | XXXXXXXXXXX | XXXXXXXXXXX | 7132910 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 03/13/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1633939 | XXXXXXXXXXX | XXXXXXXXXXX | 7132911 | 895 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | Need the initial XXX and proof it was received at least XX days prior to closing date or XXXXXX | Information provided |  |  | 03/13/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1634052 | XXXXXXXXXXX | XXXXXXXXXXX | 7132919 | 965 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Contact Information Missing or Incorrect |  | Need a XXXXX with the XXX XXXXXXX XXXXXX phone nbr listed on pg XXX | Information provided |  |  | 03/13/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | B | A | A | A | B | A | A | A |  | Exempt | 1 |
| 1634162 | XXXXXXXXXXX | XXXXXXXXXXX | 7133438 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Properties with a XXX condition rating require a second level review in credit risk. XXXXXXXX evidence a second level review was completed. | CDA provided supporting value. |  |  | 03/13/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | A | A | C | A |  | Exempt | 1 |
| 1634162 | XXXXXXXXXXX | XXXXXXXXXXX | 7133439 | 389 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | A fraud report with all high and medium alerts cleared was not provided. | received fraud report with all alerts cleared and confirmed by lender |  |  | 03/13/2025 |  |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 | C | A | C | A | A | A | C | A |  | Exempt | 1 |
| 1634164 | XXXXXXXXXXX | XXXXXXXXXXX | 7133429 | 389 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | A fraud report with all high and medium alerts cleared was not provided. | received fraud report with alerts cleared |  |  | 03/13/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | A | C | A | B | A | A | A |  | Exempt | 1 |
| 1634164 | XXXXXXXXXXX | XXXXXXXXXXX | 7133168 | 965 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Contact Information Missing or Incorrect |  | Need a XXXXX with the XXX XXXXXXX XXXXXX info completed on pg XXX | Information provided |  |  | 03/14/2025 |  |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 | C | A | C | A | B | A | A | A |  | Exempt | 1 |
| 1634168 | XXXXXXXXXXX | XXXXXXXXXXX | 7133293 | 957 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - First Payment Letter Missing or Incorrect |  | Need corrected XXXXX payment letter reflecting the correct monthly escrows - hazard/homeowner is listed twice | information provided |  |  | 03/25/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1634168 | XXXXXXXXXXX | XXXXXXXXXXX | 7133294 | 959 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect |  | need corrected XXXXXX to match updated XXXXX reflecting correct monthly escrows | information provided |  |  | 03/25/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1634168 | XXXXXXXXXXX | XXXXXXXXXXX | 7133528 | 389 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | Missing the XXXXXX XXXXXX documentation with medium and high alerts addressed. | received fraud report with alerts cleared. |  |  | 03/16/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1634174 | XXXXXXXXXXX | XXXXXXXXXXX | 7133114 | 72 | XXXXXXXXXX | Compliance | Closing Package |  | Closing Package - |  | File must contain XXXXXXXXXX XXXXXXXXXX XXXXXXXXXXXXX | Information provided |  |  | 03/17/2025 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1634174 | XXXXXXXXXXX | XXXXXXXXXXX | 7133115 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 03/18/2025 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1634174 | XXXXXXXXXXX | XXXXXXXXXXX | 7133116 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | X% tolerance violation for addition of XXXXXXXXXX XXXXXXXXXXXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXXX XX refund in the amount of XXXXXXXXX was provided. XXX additional XXXXXXXXXX refund is required along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation. | Information provided |  |  | 03/18/2025 |  |  | A | 1 | XXXXXXXXXX | NC | 1 | 13 | C | A | A | A | C | A | A | A |  | Exempt | 1 |
| 1634185 | XXXXXXXXXXX | XXXXXXXXXXX | 7133520 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The fraud report is missing from the loan file. | CoreLogic XXXXXXX provided. |  | Client 03/16/2025 10:19 PM; Please find cleared XXXXXX XXXXXX uploaded for your review. XXXXXX you. <br>Reviewer 03/17/2025 08:56 AM; <br>| 03/17/2025 |  |  | A | 1 | XXXXXXXXXX | NJ | 1 | 13 | C | A | C | A | A | A | A | A |  | Exempt | 1 |
| 1634187 | XXXXXXXXXXX | XXXXXXXXXXX | 7133513 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Provide complete exception form, including compensating factors, for the exception approved on XXXXXXXXXX and referred to in the loan file. |  | Exception approval for the acreage of XXX acres/maximum is XXX for program and XX open tradeline. XXXXXXXXXXXXX factors - XXX months reserves, score XXXXX XXXX XXX | Client 03/16/2025 10:56 PM; Please note the following compensating factors for this loan as follows: XXXXXXXXXX mid fico score is XXX points over the minimum required for this product/program. XXXXXXXXX has excellent credit with no bk''s or foreclosures. XXXXXXXXX has over XX yrs of piti reserves. XXXXXXXXXX ltv is less than the max permitted for this program/product. XXXXXX you. <br>Reviewer 03/17/2025 08:50 AM; Please upload the completed XXXXXXXXXX XXXXXXX XXX<br>Reviewer 03/17/2025 08:51 AM; <br>|  |  | 03/18/2025 | B | 2 | XXXXXXXXXX | CO | 1 | 1 | C | B | C | B | A | A | A | A |  | Exempt | 1 |
| 1634259 | XXXXXXXXXXX | XXXXXXXXXXX | 7133837 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Guidelines require properties with a XXX condition rating to undergo a second review in credit risk. XXXXXXXX evidence a second review was completed. | Received XXX approval of XX |  |  | 03/20/2025 |  |  | A | 1 | XXXXXXXXXX | MI | 1 | 1 | C | A | A | A | A | A | C | A |  | Exempt | 1 |
| 1634260 | XXXXXXXXXXX | XXXXXXXXXXX | 7133774 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing fraud report | received fraud report with alerts cleared |  |  | 03/19/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 13 | C | B | C | B | A | A | C | A |  | Exempt | 1 |
| 1634260 | XXXXXXXXXXX | XXXXXXXXXXX | 7133783 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Missing exception approval for requiring less than XX months of reserves of borrower''''s own funds before cashout proceeds can be used to meet the required XX months reserves. XXXX borrower''''s pre- closing assets are XXXXXXXXXXXXX which is only XXXXXX months reserves. |  | Exception approval received for reserves/ XXXXXXXXXXXXX XXXXXXXX - XXXX XXXXX no lates and XXX years mortgage payment history |  |  |  | 03/19/2025 | B | 2 | XXXXXXXXXX | CA | 1 | 13 | C | B | C | B | A | A | C | A |  | Exempt | 1 |
| 1634260 | XXXXXXXXXXX | XXXXXXXXXXX | 7134358 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | A desk review is required for loan program. XXXXXXXX desk review. | received desk review |  |  | 03/19/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 13 | C | B | C | B | A | A | C | A |  | Exempt | 1 |
| 1634266 | XXXXXXXXXXX | XXXXXXXXXXX | 7133816 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing revise rate lock confirmation stating a middle credit score of XXXX as showing on the credit report dated XXXXXXXXXXX XXXXX lock in the file states a credit score of XXXXX | received revised rate lock |  |  | 03/18/2025 |  |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 | C | A | C | A | A | A | A | A |  | Exempt | 1 |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) | ![](ex99-6sch3_001.jpg) |
| **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** | **QM ATR Data** |
| **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1634174 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 01/21/2025 | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1633933 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 01/24/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1628288 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 10/31/2024 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1630890 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 10/31/2024 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1628295 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 10/22/2024 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1628468 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 11/01/2024 | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1628557 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 11/19/2024 | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1629701 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 11/14/2024 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1628298 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 11/01/2024 | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1633087 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 01/09/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1633122 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 01/29/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634185 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 02/14/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1632999 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 12/31/2024 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634187 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 01/30/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1633127 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 01/14/2025 | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1633194 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 01/17/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1633938 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 02/05/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1633092 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 02/06/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1633939 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 02/19/2025 | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1634260 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 01/23/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1633131 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 01/31/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1633249 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 02/05/2025 | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1633517 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 02/10/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1633956 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 01/31/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634259 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 02/04/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634052 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 02/04/2025 | 0.00% | Not Required |  | Non Permanent Resident Alien | Other |  |  | No |  |
| 1633576 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  | Yes |  | 02/06/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634162 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 02/10/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634206 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 02/25/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634164 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 02/18/2025 | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1634266 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 02/18/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634207 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 02/21/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1634168 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 02/18/2025 | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1335021 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1335016 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX |  | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1335061 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1377404 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $17820.00 | 03/01/2022 | 5.901% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1455182 | XXXXXXXX | XXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1359248 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $8810.79 | 01/28/2022 | 4.87% | Employed |  | US Citizen |  |  |  | Yes | $9636.96 |
| 1353684 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $7175.61 | 02/04/2022 | 4.754% | Self-Employed | Unemployed | US Citizen |  | US Citizen |  | No |  |
| 1355506 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $7415.48 | 02/11/2022 | 5.301% | Self-Employed |  | US Citizen |  |  |  | Yes | $2468.61 |
| 1450138 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $23933.00 | 11/07/2022 | 9.408% | Employed |  | US Citizen |  |  |  | Yes | $5772.97 |
| 1441189 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) | ![](ex99-6sch4_001.jpg) |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |
| **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1634174 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1633933 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1628288 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1630890 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1628295 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1628468 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1628557 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1629701 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1628298 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1633087 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1633122 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | D | D | D | D | D | C | C | C | C | C | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634185 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1632999 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1634187 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1633127 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1633194 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1633938 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1633092 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1633939 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634260 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1633131 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1633249 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1633517 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1633956 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634259 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634052 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1633576 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634162 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634206 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634164 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634266 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634207 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1634168 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1335021 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1335016 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1335061 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1377404 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 1455182 | XXXXXXXX | XXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | B | B | B | B | B |
| 1359248 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1353684 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1355506 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1450138 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 1441189 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX | C | C | C | C | C | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 5**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) | ![](ex99-6sch5_001.jpg) |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |
| **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** |  |  |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1634174 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.9 |
| 1633933 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1628288 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1630890 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Vision VMC LLC | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1628295 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1628468 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Vision VMC LLC | Low risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1628557 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1629701 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1628298 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633087 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633122 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1634185 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1632999 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1634187 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633127 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1633194 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633938 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633092 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1633939 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1634260 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Clear Capital | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1633131 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633249 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Clear Capital | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633517 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1633956 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1634259 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1634052 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1633576 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| 1634162 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1634206 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1634164 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1634266 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1634207 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | low risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1634168 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1335021 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | XXXXXX |  | 0.00% | XXXXXXXX | 1004D |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1335016 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  | XXXXXX | XXXX | 5.03% | HouseCanary | 2.5 | XXXXXXXX | XXXXXX |  | 0.00% | Clear Capital | low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1335061 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | XXXXXX |  | 0.00% | XXXXXXXX | 1004D |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1377404 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | -10.71% | XXXXXXXX | 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.2 |
| 1455182 | XXXXXXXX | XXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Vision VMC LLC | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1359248 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Other | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1353684 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Other | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1355506 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Other | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1450138 | XXXXXXXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Vision VMC LLC | A | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1441189 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) | ![](ex99-6sch6_001.jpg) |
| **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** | **Business Purpose Data** |
| **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** | **Run Date - 06/30/2025 2:38:02 PM** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **Default Rate** | **EIN Number** |
| 1335021 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXXX | Rental Finance - Cash out | 20211012 | Debt Service Coverage | Yes | Yes | $1950.00 | $1950.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1950 | 1.84 | 1.84 | $1061.75 | 20231231 | 12 | No | No |  |  | NO | $0.00 | $285.21 | $197.40 | Stated, Verified | NO |  | 11 |  | No | No | Experienced | 173 | 1 | US Citizen |  | 714 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | 2 | XXX | XXX | 6 | 2 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXX |  |  |  |
| 1335016 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXXX | Rental Finance - Rate & Term | 20211012 | Debt Service Coverage | Yes | Yes | $1975.00 | $1975.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1975 | 1.82 | 1.82 | $1084.91 | 20211231 | 12 | No | No |  |  | NO | $0.00 | $297.81 | $195.77 | Stated, Verified | NO |  | 11 |  | No | No | Experienced | 169 | 1 | US Citizen |  | 714 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | 2 | XXX | XXX | 6 | 2 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Individual(s) | XXXXXXXXXX |  |  |  |
| 1335061 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXXX | Rental Finance - Rate & Term | 20211012 | Debt Service Coverage | Yes | Yes | $1950.00 | $1900.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1950 | 1.85 | 1.85 | $1052.09 | 20220501 | 12 | No | No |  |  | NO | $0.00 | $282.54 | $196.14 | Stated, Verified | NO |  | 11 |  | No | No | Experienced | 174 | 1 | US Citizen |  | 714 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXXXX | XXXXXXXXX |  | US Citizen | Stated, Verified | 704 | 742 | 714 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | XXXXXXXXXX | 2 | XXX | XXX | 5 | 2 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXX |  |  |  |
| 1455182 | XXXXXXXX | XXXXXXXX | XXXXXXXXXXX | XXXXXXXXXX | XXXXXXXXXXX | DSCR | 20220801 | Debt Service Coverage | Yes | No | $0.00 | $2600.00 | FNMA 1007/216 | Short Term Rental Documents | Yes |  | 0 |  |  | 3780.57 | 1.33 | 1.33 | $2850.27 |  |  |  | Yes | $35116.00 |  | YES | $155.00 | $327.59 | $318.76 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 101 | 0.5 | US Citizen |  | 741 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXXXXXX | XXXXXXXXXXX |  | US Citizen | Stated, Verified | 741 | 737 | 761 |  |  |  |  |  |  |  |  | Employed |  | XXXXXXXX |  | XXXXXXXXXX | 1 | XXX | XXX | 6 | 4 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXX |  |  |  |
| 1441189 | XXXXXXXXXXX | XXXXXXXXXXX |  | XXXXXXXXXX | XXXXXXXXXXX | 30 YR FIX I.O. - XXX FOREIGN NATIONAL - DSCR >= 1.00 - 2 YR PPP | 20220718 | Debt Service Coverage | Yes | No | $5381.00 | $3600.00 | FNMA 1007/216 | Short Term Rental Documents | Yes |  | 0 |  |  | 5381.25 | 1.14 | 1.14 | $4702.97 |  |  |  | Yes | $66500.00 |  | YES | $437.00 | $555.77 | $274.00 | Stated, Verified | NO | 1 | 2 |  | Yes | Yes | Experienced | 72 | 5 | Non Permanent Resident Alien | Non Permanent Resident Alien |  | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | XXXXX | XXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | XXX | XXXXX |  | Non Permanent Resident Alien | Stated, Verified |  |  |  | Not Required | Not Required | XXXXXXXX | XXXXXXXXX | XXXXXXXXXX | 1 | XXX | XXX | 6 | 6 | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXXXXXX |  |  |  |

---

## Exhibit 99.7

**Exhibit 99.7**

![](ex99-7_001.jpg)

**EXECUTIVE SUMMARY**

**PRPM 2025-NQM3**

**<u>Description of the due diligence performed</u>**

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("Incenter Diligence"), performed an independent third-party due diligence review of 1 loan acquired by PRPM 2025-NQM3, LLC (the "Client"). The review was performed in January 2025 using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 1 loans for an aggregate original principal balance of $387,000.00.

The review was conducted in accordance with the following NRSRO(s) Third Party Due Diligence Criteria:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Moody's Investors Service | &nbsp;&nbsp;Rating Methodology: Residential Mortgage-Backed Securitizations, October 23, 2024 |

---

**Data integrity, review scope and methodology**

**Data Integrity –** Incenter Diligence performed a data integrity analysis by comparing the information in the loan file against the data tape supplied by the Client to ascertain accuracy and completeness. All discrepancies are reported on the Data Comparison Report

The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;ARM Interest Data |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 2 FTHB |
| &nbsp;&nbsp;Doc Type |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Only Flag |

---

Page **1** of **17**

![](ex99-7_001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Original Loan Term |
| &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Originator DSCR |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;QM Designation |
| &nbsp;&nbsp;Qualifying Appraised Value |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total DTI |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Subordinate Lien Amount |
| &nbsp;&nbsp;Underwriting Guideline Name |

---

**Underwriting Conformity (<u>Standard Residential Loans</u>)**

Incenter Diligence performed a complete review of all loan files, as supplied by the Client, to determine whether the loans were originated in accordance with the underwriting guidelines provided by the Client (which, for the avoidance of doubt, may be either the Client's or a third party's underwriting guidelines), eligibility requirements, Ability to Repay (ATR), Qualified Mortgage and Appendix Q requirements (where applicable), and applicable Policies & Procedures, noting any exceptions and compensating factors. The review included, where applicable, the following items:

**Conformance to Ability to Repay (ATR) standards** – Incenter Diligence reviewed each loan to validate that the underwriter correctly assessed the borrower's ability to repay based on employment and credit/repayment history, income and assets, projected monthly payment and current obligations, debt to income ratio, and other information provided to support ability to repay prior to originating the loan.

Page **2** of **17**

![](ex99-7_001.jpg)

**An evaluation of Qualified Mortgage and Appendix Q requirements, if applicable** – Based on the information provided, Incenter Diligence will review each loan to determine that it satisfies all requirements for a Qualified Mortgage, if designated as such, including an evaluation of points and fees, risk factors associated with the loan terms, re-calculation of debt to income and a review of all income and assets.

**Credit, Income, Assets and Employment**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate that the appropriate
employment and income documentation, such as pay stubs, tax transcripts, and bank statements, was provided and used to accurately qualify
the borrower according to guidelines. Recalculate the borrower's income and debt to determine the appropriate debt to income ratio
in accordance with the guidelines. Validate borrower's employment history and confirm that the appropriate income and assets were
used to qualify. Make a reasonable assessment of whether there are any indications that income documentation may be fraudulent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Validate that assets used to
qualify the borrower match the documentation in the file and the information used to calculate down payment, closing costs, and reserves
meet program guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review exceptions, compensating
factors and underwriter comments, if available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review program guidelines against
the loan approval for discrepancies such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Employment requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Income requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Asset requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review the loan approval against
all supporting documentation and loan application to verify accuracy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review the initial loan application
against the final loan application or other loan applications found in the file to validate the application was signed and properly completed
and to expose discrepancies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Confirm that credit report(s)
and verification of mortgage or rental history, when required, have been provided for all borrowers/guarantors, are consistent with loan
approval, and meet guideline requirements. Verify whether any fraud alerts are listed on the credit reports and make a reasonable assessment
of whether the borrower's profile adheres to applicable guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. Review the loan file for inconsistencies
based on information derived from source documentation provided in the loan file, for the purposes of identifying misrepresentations contained
in the loan file, including with respect to occupancy and mortgage liabilities.

**Occupancy, Taxes, Title and Insurance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review source documents for
consistency with regard to subject property occupancy intent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Review the title report for
possible judgments and other liens that may have existed upon origination; verify chain of title, as required by guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify and validate the file
contains sufficient property insurance coverage as required by guidelines; confirm property insurance policy contains appropriate mortgagee
clause. For subject properties located in a Special Flood Hazard Area where flood insurance is required, verify and validate the file
contains sufficient flood insurance coverage as required by guidelines and that flood insurance policy contains appropriate mortgagee
clause.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review property details on
appraisal including a review for ineligible properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify that Business Purpose
Affidavit and Occupancy Affidavit, if applicable, were executed by the borrowers/guarantors and confirm that document addresses are consistent
with subject property address and do not match the primary residence address.

Page **3** of **17**

![](ex99-7_001.jpg)

**Underwriting Conformity (<u>Business Purpose/DSCR</u>)**

For each loan, Incenter Diligence validated conformance to Client supplied and program requirements and noted any exceptions. Unless otherwise directed by the Client, no regulatory compliance review was performed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate Conformance to Product
Type and Eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Financing Terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Loan Product

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Seasoning

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Geographic Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. LTV/CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Transaction Types: Verify Conformance
with Business Purpose Loan Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Business Purpose Affidavit
– verify signed Borrower Statement of Business Purpose is present in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Non-Owner Occupancy –
verify Occupancy certification is present in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Validate that there is no information
in the loan that contradicts occupancy type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review Debt Service Coverage
Ratio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review Cash Flow and Expense
Factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review Hazard/Flood Insurance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review preliminary Title Report/Commitment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Credit Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Validate documentation requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Verify acceptable Residency
Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review credit reports used
to qualify borrower, as well as consumer credit history/charge offs/collections, and cite any exceptions or unusual findings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Evaluate credit scores and
tradelines against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Evaluate other debt obligations
(alimony, child support, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. If required, verify that a
3rd party fraud report (DataVerify, etc.) is contained in the loan file and review findings to confirm all deficiencies were resolved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Evaluate borrower's mortgage/rental
payment history using credit reports or other information supplied in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Verify that all judgements/liens/tax
liens have been satisfied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Verify that any bankruptcy,
foreclosure or forbearance activity is in accordance with guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Perform a review of all asset
information supplied in the loan file against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Evaluate borrowers' asset
utilization and verify sufficient liquid assets to supplement income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Perform a rental income analysis
using the information supplied in the loan file as per the guidelines

**Property Valuation Review (Standard Residential and Business Purpose/DSCR Loans)**

Incenter Diligence reviewed all loans to validate the original appraisal report was provided in the loan file and that it is substantially complete. The evaluation will include the following components:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review the original appraisal
report to ensure the valuation was performed by a licensed appraiser and in accordance with guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify subject property type
meets applicable guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Note any exceptions to stated
value or appraisal guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Verify value used to calculate
LTV/CLTV and note any deviations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify that the loan and property
data within the appraisal report matches the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review the appraisal report
to ensure report value is "as is" or, if report is "subject to", that there is an associated completion report
resolving all noted issues, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Review additional valuation
products in the file; if there is a variance greater than 10% below the appraisal value, Client will be notified and an additional independent
valuation product will be obtained as requested.

Page **4** of **17**

![](ex99-7_001.jpg)

**Regulatory Compliance Review (Standard Residential Loans Only, Unless Otherwise Requested)**

Incenter Diligence's Regulatory Compliance analysis is intended to expose certain potential risk associated with the loans examined. It is strictly limited to the review scope outlined below and is based solely on the accuracy of the documentation and data supplied by the Client or other agreed upon third parties. The review findings are not guaranteed to encompass all critical elements related to the underwriting, origination or regulatory compliance status of the loans examined. Further, the findings are not to be construed as guidance on future indicators of positive or negative performance.

Incenter Diligence will perform a review of all loans supplied by the Client to verify all documentation provided is complete and complies with all applicable federal and state regulatory requirements, in addition to following the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (now the Structured Finance Association or "SFA") (the "SFIG Compliance Review Scope"), as amended from time to time, and the advice of outside counsel. As it relates to TILA-RESPA Integrated Disclosures ("TRID") testing, Incenter Diligence works with outside counsel on an ongoing basis to understand and interpret compliance regulations based on recent guidance by the Consumer Financial Protection Bureau (the "CFPB") that has created deviations in the TRID review scope and related exceptions/cures. The TRID-related review scope, outlined below and not performed for investment properties, will continue to be amended where appropriate as future guidance and rules are published. Incenter Diligence's conclusions are representative of best efforts to identify material risks and exceptions associated with each loan based on interpretation of the continually evolving regulations. Incenter Diligence maintains an active dialogue with outside counsel, Clients, Rating Agencies, SFA and other parties when interpreting compliance regulations and amending the review scope to accurately expose the risk associated with a loan. However, no guaranties can be made that the Review includes all areas of risk that may be present in the Transaction. In addition to the foregoing, Incenter Diligence utilizes nationally recognized integrated compliance analyzer tools.

Incenter Diligence does not employ personnel who are licensed to practice law in the various jurisdictions and the findings set forth in the reports prepared by Incenter Diligence do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Incenter Diligence. All final decisions as to whether to purchase or enter into a transaction related to any individual loan or the loans in the aggregate and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such loan or loans, shall be made solely by the clients that have engaged Incenter Diligence to prepare their reports pursuant to their instructions and guidelines. Client acknowledges and agrees that the scoring models applied by Incenter Diligence are designed to identify potential risk and the Client assumes sole responsibility for determining the suitability of the information for its particular use.

Incenter Diligence reviews each loan to validate compliance with the following federal and state regulatory requirements, whenever applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Truth In Lending Act - 12 CFR §1026 ("TILA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
TILA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Finance Charge Test (12 CFR
§1026.18(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It
is understated by no more than $100; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It is greater than the amount
required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Rescission Finance Charge Test
(12 CFR §1026.23(h)(2)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It is understated by no more
than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It is greater than the amount
required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Rescission Total of Payments
Test ((12 CFR §1026.23(h)(2)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Is understated by no more than
$35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Is greater than the amount
required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Foreclosure Rescission Finance
Charge and Total of Payments Tests (12 CFR §1026.23(h))

Page **5** of **17**

![](ex99-7_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. APR Test 12 CFR (§1026.22(a)(2),
(4))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosed annual percentage
rate (APR) is considered accurate because it is not more than 1/8 of 1 percentage (for regular transactions) or 1/4 of 1 percentage (for
irregular transactions) point above or below the APR as determined in accordance with the actuarial method; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The disclosed APR results from
the disclosed finance charge, and the disclosed finance charge is considered accurate under §1026.18(d)(1) (the finance charge test),
or for purposes of rescission the disclosed finance charge is considered accurate under §1026.23(g) or (h) (the rescission finance
charge test or the foreclosure rescission finance charge test), whichever applies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Right of Rescission Test (12
CFR §1026.23(a)(3), §1026.15(a)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The funding date is not before
the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The consumer may exercise the
right to rescind until midnight of the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate Right of Rescission
Notice was provided, and the correct form was used

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Dual Broker Compensation Test
(12 CFR §1026.36(d)(2))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If any loan originator receives
compensation directly from a consumer in a consumer credit transaction secured by a dwelling, no loan originator shall receive compensation,
directly or indirectly, from any other person other than the consumer in connection with the transaction for loan origination activities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Loan Originator Credits Test
(12 C.F.R. §1026.36(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Test that the initial disclosure
(GFE/TIL/LE) does not contain any broker fees paid by the broker

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Financing of Single Premium
Credit Insurance Test (12 CFR §1026.36 (i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A creditor may not finance,
directly or indirectly, any premiums or fees for credit insurance in connection with a consumer credit transaction secured by a dwelling
(including a home equity line of credit secured by the consumer's principal dwelling)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. TIL Disclosure (Pre-TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. TIL Disclosure Date Test (12
CFR §1026.17(b),1026.19(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan is a mortgage transaction
subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) that is secured by the consumer's dwelling; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The initial TIL disclosure
date is not later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially
all of its business functions) after the creditor receives the consumer's written application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The initial TIL disclosure
date is not later than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before
consummation of the transaction, or the application date of the loan is before July 30, 2009; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The loan is a "residential
mortgage transaction" subject to the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The initial TIL disclosure
date is before consummation or three business days after the creditor receives the consumer's written application, whichever is earlier;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Test the final TIL disclosure
and any re-disclosed TIL(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The final TIL disclosure is
properly executed; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. The final TIL disclosure and
any re-disclosed TIL(s) is properly completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. TILA RESPA Integrated Disclosures
(TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Initial Loan Estimate Delivery
Date Test (from application) (12 CFR §1026.19(e)(1)(iii)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall deliver
or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third
business day after the creditor receives the consumer's application

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Initial Loan Estimate Delivery
Date Test (prior to consummation) (12 CFR §1026.19(e)(1)(iii)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall deliver
or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i) (provision of loan estimate form) not later than the
seventh business day before consummation of the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate (12 CFR §1026.19
and 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify applicable sections
of the disclosure determined to carry assignee liability were accurately completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify final Loan Estimate
was provided to borrower prior to the Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Written List of Service Providers
(SSPL) Disclosure Date Test (12 CFR §1026.19(e)(1)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the consumer is permitted
to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that
settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least
one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written
list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the
timing requirements in §1026.19(e)(1)(e)(1)(iii)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Revised Loan Estimate Delivery
Date Test (prior to consummation) (12 CFR §1026.19(e)(4)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall not provide
a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures
required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i)
not later than four business days prior to consummation. If the revised version of the disclosures required under §1026.19(e)(1)(i)
is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor
delivers or places such version in the mail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Valid Change of Circumstances
Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The changed circumstance(s)
form was provided and the reason for re-disclosure is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Changed circumstance affecting
settlement charges; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Changed circumstance affecting
eligibility; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Revisions requested by the
consumer; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Expiration of initial loan
estimate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Delayed settlement date on
a construction loan for new construction transactions only; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The date the rate was set was
not provided and interest rate dependent charges change once the interest rate is locked; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The reason for re-disclosure
is "Decrease in charges affecting settlement or eligibility, a consumer-requested revision, or other non-tolerance-related re-disclosure;"
or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. The initial loan estimate was
not delivered timely

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Initial Closing Disclosure
Delivery Date Test (12 CFR §1026.19(f)(1)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The creditor shall ensure that
the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Closing Disclosure Test (12
CFR §1026.19 and 38)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify applicable sections
of the disclosure determined to carry assignee liability were accurately completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Revised Closing Disclosure
Delivery Date Test (waiting period vs. no waiting period required) (12
CFR §1026.19(f)(2)(i) & (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the disclosures provided
under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed
terms to the consumer so that the consumer receives the corrected disclosures at or before consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the consumer determines
that the extension of credit is needed to meet a bona fide personal financial emergency, the consumer may modify or waive the three-business-day
waiting period for the revised closing disclosure after receiving the disclosures

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. TRID Tolerance Testing - Charges
That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An estimated closing cost disclosed
pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed
under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. TRID Tolerance Testing - Charges
That in Total Cannot Increase More Than 10% Test (12 CFR §1026.19(e)(3)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The aggregate amount of charges
for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed
under §1026.19(e)(1)(i) by more than 10 percent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. TRID Tolerance Testing - Lender
Credits That Cannot Decrease Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An estimated closing cost disclosed
pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed
under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. TRID Reimbursement Amount Test
(12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds related to the good
faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies
with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. TRID Reimbursement Date Test
(12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds related to the good
faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies
with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Disclosure of Escrow Account
(§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan indicates an escrow
account will be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify all amounts disclosed
in the Projected Payments Table are accurate (§1026.38(c); §1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify all amounts disclosed
in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate (§1026.37(c)(4),(5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all amounts disclosed
in Section G – Initial Escrow Payment and Closing are accurate (§1026.37(g)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Verify all amounts disclosed
in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the loan indicates an escrow
account will not be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify all amounts disclosed
in the Projected Payments Table are accurate (§1026.38(c); (§1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify all amounts disclosed
in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate (§1026.37(c)(4), (5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify all amounts disclosed
in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Disclosure of Seller Paid Closing
Costs (§1026.38(t)(5)(v)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. In transactions involving a
seller, validate whether the lender disclosed all costs being paid by the seller on the borrowers Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If seller paid fees are present
on the borrower's Closing Disclosure, review the seller's Closing Disclosure or alternative documentation for accuracy of
disclosure

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;q. Post-consummation Event and
Revised Closing Disclosure Delivery Date Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The post-consummation revised
closing disclosure delivery date is not more than 60 calendar days after the consummation date, or closing / settlement date if no consummation
date was provided; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The provided reimbursement
date is not more than 60 calendar days after the consummation date, or closing / settlement date if no consummation date was provided

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;r. Non-numeric Clerical Error
and Post-consummation Revised Closing Disclosure Delivery Date Test (12 CFR §1026.19(f)(2)(iv))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A creditor does not violate
§1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i) contain non-numeric clerical errors, provided the creditor
delivers or places in the mail corrected disclosures no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;s. Loan Calculation Test on the
Closing Disclosure (12 CFR §1026.38))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Total Interest Percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Qualified Mortgage / Ability
To Repay – Dodd Frank

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Classification of QM designated
loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validate whether the mortgage
loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to
the applicable average prime offer rate plus a certain applicable percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Determination of conformity
thresholds (Safe Harbor or Rebuttable Presumption)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Negative Amortization Loan
(12 CFR 1026.43(e)(2)(i)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered
transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change
after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not result in an increase of
the principal balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Interest Only Loan (12 CFR
1026.43(e)(2)(i)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered
transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change
after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not allow the consumer to defer
repayment of principal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Balloon Payment Loan (12 CFR
1026.43(e)(2)(i)(C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered
transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change
after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not result in a balloon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Loan Term (12 CFR 1026.43(e)(2)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A qualified mortgage is a covered
transaction for which the loan term does not exceed 30 years

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Points and Fees (12 CFR §1026.43(e)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees do not exceed
the qualified mortgage points and fees threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DTI (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ratio of the consumer's
total monthly debt to total monthly income at the time of consummation does not exceed 43 percent, calculated in accordance with Appendix
Q

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For Fannie Mae and Freddie Mac, however, the revised QM rules become mandatory
on July 1, 2021, meaning that the QM Patch effectively terminates on July 1, 2021—and that all loans sold to Fannie and Freddie
must comply with the revised QM rules, effective July 1, 2021.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. (iv) For creditors not selling loans to Fannie Mae and/or Freddie Mac, loans
underwritten from March 1, 2021 until October 1, 2022 will continue to apply the legacy QM rules; however, commencing July 1, 2021, legacy
QM loans must be underwritten to Appendix Q and NOT to the QM Patch.

Stated another way, since the FHFA terminated the QM Patch, loans underwritten to the QM Patch after July 1 are no longer eligible for sale to the GSEs, and in effect, the QM Patch disappeared after that date, notwithstanding the CFPB's intent for it to continue until October 1, 2022. Hence, for non-agency loans, underwritten between July 1, 2021 and October 1, 2022, legacy QM loans must be underwritten in accordance with Appendix Q.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Client is required to advise
regarding which application of QM/DTI or QM/APR rule for loans with application dates between 03/01/2021 and 10/01/2022 for the proper
evaluation of QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Loans underwritten after 10/1/2022
will be reviewed following the revised QM (QM 2.0) rules,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. APR (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan APR is not to exceed
the APOR plus percentage threshold, calculated according to 12 CFR §1026.43(e)(2)(vi). With a QM/APR optional test period for loans
with application dates between 03/01/2021 and 10/01/2022 and mandatory compliance and testing for loans after 10/01/2022.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The APR on the loan does not exceed the threshold for the loan amount:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For a first-lien loan with a loan amount greater than or equal to $110,260
(indexed for inflation), 2.25 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For a first-lien loan with a loan amount greater than or equal to $66,156
(indexed for inflation), but less than $110,260 (indexed for inflation), 3.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For a first lien loan with a loan amount less than $66,156 (indexed for
inflation), 6.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For a subordinate-lien loan with a loan amount great than or equal to $66,156
(indexed for inflation), 3.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For a subordinate-lien loan with a loan amount less than $66,156 (indexed
for inflation), 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Revised QM (QM 2.0)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. QM/DTI test will cease as of
application dates on or after 10/01/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In addition to the Generally
Applicable Factors above, all Revised QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Monthly Payment. The amount of the monthly payment on the loan is calculated
using the maximum rate that may apply during the first five years and considers the monthly payment for simultaneous loans and mortgage
obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Consider and Verify. The creditor considers and verifies the consumer's
current or expected income and assets and debt and his DTI or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. As part of the "consider" requirement, Incenter Diligence will
review the (i) creditor's policies and procedures provided by Client, as well as any exceptions thereto, for how the creditor takes
into account the underwriting factors enumerated above, and (ii) the documentation retained by creditor, such as an underwriting worksheet
or a final automated underwriting system certification, showing how the creditor took these factors into account in its ability-to-repay
determination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Consider and Verify Safe Harbor (VSH). Creditor is deemed to have complied
with this "verify" requirement if it complies with the verification standards in one or more of these following agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide,
published June 3, 2020 including all subsequent updates; Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide,
published June 10, 2020 including all subsequent updates;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's
Single-Family Housing Policy Handbook, issued October 24, 2019 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook,
revised February 22, 2019 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook
for the Direct Single Family Housing Program, revised March 15, 2019 including all subsequent updates; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook
for the Single-Family Guaranteed Loan Program, revised March 19, 2020 including all subsequent updates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. For purposes of compliance with VSH, a creditor must comply with only those
provisions in the manuals that require creditors to verify income, assets, debt obligations, alimony and child support using specified
documents or to classify and count particular inflows, property, and obligations as income, assets, debt obligations, alimony, and child
support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Revised versions of manuals. A creditor also complies with the verification
safe harbor where it complies with revised versions of the manuals listed above provided that the two versions are "substantially
similar".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. The QM 2.0 Rule permits the creditor to "mix and match" verification
standards from different agency manuals. Incenter Diligence will test the creditor's "verification" of third- party
records in instances when the creditor either uses (i) its own procedures or alternatively, (ii) the verification standards of one or
more of the agency handbooks listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Note: the Client must provide written policies and procedures and related
documentation such as underwriter worksheets in order for Incenter Diligence to review loans under the QM 2.0 Rules, and in particular,
with regard to the "consider" and "verify" requirements. Further, if the Client intends to use the VSH, its written
policies and procedures must specify the precise agency handbook(s) that it is relying on with specific references to the particular provisions
addressing income, assets, debt obligations, alimony and child support using specified documents or to classify and count particular inflows,
property, and obligations as income, assets, debt obligations, alimony, and child support—as well as the specific date(s) of the
agency handbook(s) issuance, publication or revision. In addition, Incenter Diligence is not responsible for determining whether revised
versions of the manuals listed above are "substantially similar" for purposes of the VSH; such a determination of the sole
responsibility of the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Note: due to the inherent subjectivity of the foregoing "consider"
and "verify" requirements, Incenter Diligence will review the Client's: (i) policies and procedures and worksheets and
(ii) methods and criteria for verification of income and assets (regardless of whether the "safe harbor" is utilized) for
content only, and will not opine whether such policies and procedures, worksheets and verification methods and criteria themselves comply
with applicable law, and cannot guarantee that a court, governmental regulator, rating agency or another third party diligence provider
would reach the same conclusions using such work product.

Page **11** of **17**

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment Penalty (12 CFR
1026.43(g))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A covered transaction must
not include a prepayment penalty unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The prepayment penalty is otherwise
permitted by law; and the transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Has an annual percentage rate
that cannot increase after consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Is a qualified mortgage under
paragraph (e)(2), (e)(4), or (f) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Is not a Higher Priced Mortgage
Loan, as defined in § 1026.35(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Home Ownership and Equity Protection
Act – HOEPA (Sections 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Federal HOEPA coverage (12
CFR §1026.32(a)(1)(i), (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Tests that the loan is/is not
secured by the consumer's principal dwelling; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Tests that the loan is/ is
not an open-end credit plan; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. That the application date of
the loan occurs before/after the effective date of October 1, 1995; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. That the date the creditor
received application occurs on or after January 10, 2014, the effective date of the High-Cost Mortgage amendments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High-Cost Mortgage APR threshold
test (12 CFR §1026.32(a)(1)(i)(A), (C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan is secured by a first-lien
transaction, and the annual percentage rate (APR) does not exceed the Average Prime Offer Rate by more than 6.5%; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The loan is a subordinate-lien
transaction, and the annual percentage rate (APR), does not exceed the Average Prime Offer Rate by more than 8.5%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. High-Cost Mortgage Points and
Fees Threshold Test (12 CFR §1026.32(a)(1)(ii)(A), (B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The total points and fees do
not exceed allowable limits per the given loan amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. High-Cost Mortgage Prepayment
Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The loan contract or open-end
credit agreement does not allow the creditor to charge:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A prepayment penalty more than
36 months after consummation or account opening; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Prepayment penalties that can
exceed, in total, more than 2 percent of the amount prepaid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. High-Cost Mortgage (12 CFR
§1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. High-Cost Mortgage Repayment
Ability Test (12
CFR §1026.34(a)(4), 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Other high-costs tests pursuant
to (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing of disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Balloon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Negative amortization

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Pre-loan counseling

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Late charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Grace period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Financing of points and fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Higher Priced Mortgage Loan
– HMPL (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Higher Priced Mortgage Loan
tests (12 CFR §1026.35(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Higher Priced Mortgage Loan
required escrow account test (12 CFR §1026.35(b))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Higher Priced Mortgage Loan
required appraisal test (12 CFR §1026.35(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Prohibited Acts – Brokers
Comp

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Broker Compensation Test (12
CFR §1026.36(d)(2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If any loan originator receives
compensation directly from a consumer in a consumer credit transaction secured by a dwelling:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. No loan originator shall receive
compensation, directly or indirectly, from any person other than the consumer in connection with the transaction; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No person who knows or has
reason to know of the consumer-paid compensation to the loan originator (other than the consumer) shall pay any compensation to a loan
originator, directly or indirectly, in connection with the transaction

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Nationwide Mortgage Licensing
System (NMLS) Tests (12 CFR §1026.36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. review for presence of mortgage
loan originator organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note
or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. verify the data against the
NMLSR database, as available

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Real Estate Settlement Procedures Act – 12 CFR §1024 ("RESPA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal RESPA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Homeownership Counseling Organizations
Disclosure Date Test (12 CFR §1024.20(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not later than three business
days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender
must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant
counseling services in the loan applicant's location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The list of homeownership counseling
organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the
list is provided to the loan applicant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Good Faith Estimate Disclosure
Test (12 CFR §1024.7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not later than 3 business days
after a loan originator (broker or lender) receives an application for a federally related mortgage loan, or information sufficient to
complete an application, the loan originator must provide the applicant with a GFE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Good Faith Estimate Disallowed
Credit and Charge test (GFE Block 2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Looks for any amounts entered
for both a loan discount fee and a yield spread premium or a lender credit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Only one charge or one credit
affecting the interest rate is allowed under the new RESPA regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Equal Credit Opportunity Act – 12 CFR §1002 ("ECOA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ECOA Valuation Rule (12 CFR
§1002.14(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review all applicable loans
for the Disclosure of Right to Receive a Copy of Appraisals. Validate if the customer(s) waived their right to receive copies of their
appraisals three business days prior to consummation/account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review all applicable loans
for proof that lender delivered copies of appraisals and other written valuations three business days before consummation (closed-end),
or account opening (open-end)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If the customer(s) waived their
right to receive copies of their appraisals three business days prior to consummation/account opening, review the Post-Closing submission
for an Acknowledgment of Receipt of Appraisal Report, or other proof that the lender provided the copies either at, or prior to, consummation
or account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**D.** **State Specific tests (varies by state and applicability, but at a minimum includes);** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Consumer / Home Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. High-cost tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Higher Priced Mortgage Loan
tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. APR threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Points and fees threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Covered loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Negative Amortization tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Prepayment tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Texas Home Equity Loans

Page **13** of **17**

![](ex99-7_001.jpg)

**Document Review**

Incenter Diligence reviewed all mortgage loan files supplied and verified that the following documents, if applicable, were included in the file and that the data on the documents was consistent:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial Application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final Application (1003)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Approval (1008)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· HUD1 from Sale of Previous
Residence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimates and Closing
Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Contract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage/Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Guaranty Agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy Affidavit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Lease Agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Business Purpose Affidavit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Junior Lien Information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Subordination Agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Employment Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Credit Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 4506T/Tax Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Change of Circumstance Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Disclosures: Right of Rescission,
Net Tangible Benefit and FACTA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal Valuation Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title/Preliminary Title

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Flood and Hazard Insurance
Policies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Flood Certificates

**Other review and methodology**

Not applicable.

Page **14** of **17**

![](ex99-7_001.jpg)

**<u>Summary of findings and conclusions of review</u>**

Below provides the summary of the review findings:

**Final Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

Page **15** of **17**

![](ex99-7_001.jpg)

**Exception Summary**

Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance,

and Property.

\* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception <br> Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp; **Credit** <br> **Grade A** | &nbsp;&nbsp; **Credit** <br> **Grade B** | &nbsp;&nbsp; **Credit** <br> **Grade C** | &nbsp;&nbsp; **Credit** <br> **Grade D \*** |
| &nbsp;&nbsp;Assets | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Borrower | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Debt | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Income/Employment | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Insurance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Title | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception <br> Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp;**Compliance <br> Grade A** | &nbsp;&nbsp;**Compliance <br> Grade B** | &nbsp;&nbsp;**Compliance <br> Grade C** | &nbsp;&nbsp;**Compliance <br> Grade D \*** |
| &nbsp;&nbsp;Ability to Repay | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Disclosure | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Documentation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Right to Rescind | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State Reg | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;TRID | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception <br> Categories** | &nbsp;&nbsp;**Exception Count** | &nbsp;&nbsp; **Property<br> Grade A** | &nbsp;&nbsp;**Property <br> Grade B** | &nbsp;&nbsp; **Property<br> Grade C** | &nbsp;&nbsp; **Property<br> Grade D \*** |
| &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Property Issue | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

Page **16** of **17**

![](ex99-7_001.jpg)

**Data Integrity Summary**

The table below provides a summary of the data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of Discrepancies** | &nbsp;&nbsp;**% of Accuracy** |
| &nbsp;&nbsp;ARM Interest Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total DTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subordinate Lien Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

Page **17** of **17**

## Exhibit 99.7

**Exhibit 99.7 Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-7sch1_001.jpg) | Report Date: | 6/11/2025 |
| Client Name: | PRPM 2025-NQM3 | Report: | Exception Report |
| Deal Name: | PRPM 2025-NQM3 | Loans in report: | 1 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| XXX | 19450801 | XXX | C A | Closed | FCRE1645 | 2025-01-22 15:03 | 2025-01-28 16:13 | Resolved | 1 - Information C A | Credit | Eligibility | Minimum Borrower Contribution Not Met | Resolved-Borrower minimum contribution has been met. - Due Diligence Vendor-01/28/2025 <br> Ready for Review-Document Uploaded. - Seller-01/27/2025 <br> Open-Borrower minimum 5% contribution ($XXX) not met. Gift letters in file for $XXX and $XXX provided. Evidence of $XXX wire transfer to escrow provided. Evidence of $XXX deposit to borrower account provided. Final settlement statement disbursement date of XXX reflects deposit of $XXX and "refund XX $XXX" for net of $XXX. Final closing funds are $XXX and derived solely from gift money. Missing documentation to support borrower contributed minimum of 5% of the purchase price from their own funds per guidelines. - Due Diligence Vendor-01/22/2025 | Ready for Review-Document Uploaded. - Seller-01/27/2025<br>| Resolved-Borrower minimum contribution has been met. - Due Diligence Vendor-01/28/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX XXX FInal SS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase NA | N/A | N/A |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-7sch2_001.jpg) | Report Date: | 6/11/2025 |
| Client Name: | PRPM 2025-NQM3 | Report: | Final Tape Compare |
| Deal Name: | PRPM 2025-NQM3 | Loans in report: | 1 |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **System Source** | **Reviewer Data** | **Tape Data** |
| XXX | 19450801 | XXX |  | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-7sch3_001.jpg) | Report Date: | 6/11/2025 |
| Client Name: | PRPM 2025-NQM3 | Report: | QM ATR |
| Deal Name: | PRPM 2025-NQM3 | Loans in report: | 1 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXX | 19450801 | XXX |  | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-7sch4_001.jpg) | ![](ex99-7sch4_001.jpg) | Report Date: | 6/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client Name: | PRPM 2025-NQM3 | PRPM 2025-NQM3 | Report: | Rating Agency Grades |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Deal Name: | PRPM 2025-NQM3 | PRPM 2025-NQM3 | Loans in report: | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL CREDIT GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL COMPLIANCE GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL CREDIT GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL COMPLIANCE GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moodys** | **S&P** |
| XXX | 19450801 | XXX |  | XXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.7

**Exhibit 99.7 Schedule 5**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](ex99-7sch5_001.jpg) | Report Date: | 6/11/2025 |
| Client Name: | PRPM 2025-NQM3 | Report: | Valuation Summary |
| Deal Name: | PRPM 2025-NQM3 | Loans in report: | 1 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXX | 19450801 | XXX |  | XXX | XXX | XXX | 0 | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXX |

---

## Exhibit 99.8

**Exhibit 99.8**

![](ex99-8_002.jpg)

 ****

**EXECUTIVE SUMMARY**

**PRPM 2025-NQM3**

**June 27, 2025**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

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**TABLE OF CONTENTS**

 ****

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 15.0 |
| Tape Integrity Review Results Summary | 15.0 |
| Additional Loan Population Summary | 15.0 |

---

 **

 ****

 

 

 

 

 

 

 

 

 

 

 

 **

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**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

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**DESCRIPTION OF THE DUE DILIGENCE PERFORMED**

**(1) Type of assets that were reviewed.**

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of the mortgage loan(s), which were originated by multiple parties, were purchased by PRPM 2025-NQM3, LLC ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loan(s) were reviewed via files imaged and provided by the Client.

The Review population is comprised of one (1) mortgage loan that was originally reviewed in March 2022.

**(2) Sample size of the assets reviewed.**

The mortgage loan review was broken down into the following review scopes:

▪ "Compliance Review": 1 Mortgage Loan

▪ "Credit Review": 1 Mortgage Loan

▪ "Property Review": 1 Mortgage Loan

▪ "Data Integrity": 1 Mortgage Loan

**(3) Determination of the sample size and computation.**

Infinity is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by Infinity.

**(4) Quality or integrity of information or data about the assets: review and methodology.**

For one (1) mortgage loan, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Fag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Infinity conducted a credit review for one (1) mortgage loan. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

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The loan was originated to HomeXpress Mortgage Guidelines 2021-10-01 Final.pdf.

**Credit Application:** For the Credit Application, Infinity verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history

**Credit Report:** Infinity's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, Infinity: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered date required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** Infinity determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, and (vi) IRS tax transcripts.

**Asset Review:** Infinity assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, Infinity completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Infinity. During the course of this review, Infinity (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

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**Occupancy Review:** Infinity confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, Infinity confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** Infinity reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, Infinity conditioned the mortgage loan for the missing fraud report product.

If a report was present, Infinity reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, Infinity confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** Infinity's review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** Infinity also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area(s) listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for zero (0) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

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Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

**(6) Value of collateral securing the assets: review and methodology.**

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for one (1) mortgage loan. For this one (1) mortgage loan, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

Infinity's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Infinity's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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With regard to the use of comparable properties, Infinity's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Infinity's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to Infinity or if it was not directly accessible that another valuation product that was directly accessible to Infinity was ordered in accordance with the Client's specific valuation waterfall process.

If more than one valuation was provided, Infinity confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Infinity created an exception and worked with the client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Infinity's review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

**(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

Infinity completed a Compliance Review on one (1) mortgage loan. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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Please be further advised that Infinity does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Infinity do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Infinity. Information contained in any Infinity report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Infinity to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Infinity are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Infinity does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Infinity.

Infinity reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to
re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

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&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test; and

ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of
the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, Infinity reviewed the relevant documents in the mortgage loan file and, as necessary,
attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage loan
originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, Infinity's
review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements,
for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage
loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan
to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the mortgage loan require arbitration or any other non-judicial procedure to
resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of mortgage loan originator organization and individual mortgage loan originator name
and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing
Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service provider list, as applicable.

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&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were
within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file in the
event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm that the list of homeownership counselling organizations was obtained no earlier than 30 days
prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required
disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial
CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to

the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file
contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

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**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by
the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part
36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Infinity reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Infinity determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Infinity notes if an originator mortgage loan designation was not provided.

<u>Qualified Mortgage</u>

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Infinity reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Infinity then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, Infinity then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of non-QM compliant or non-compliant.

<u>General Ability to Repay</u>

Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

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Infinity reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Infinity does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Infinity's review is based on information contained in the mortgage loan file at the time it is provided to Infinity to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

**(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

**(X) Recording Review**

Infinity noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in the file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, Infinity will analyze and capture data from the source documents identified in the Document Review below, as applicable.

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**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, Infinity accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**(XII) Document Review**

Infinity reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain other disclosures related to the enumerated
tests set forth herein.

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, Moody's Investors Service, Inc. ("Moody's").

**OVERALL RESULTS SUMMARY (1 MORTGAGE LOAN)**

Infinity's review to NRSRO grading requirements covers one (1) mortgage loan. Infinity graded one (1) mortgage loan as "A".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Moody's Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Moody's Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Moody's Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Moody's Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (1 MORTGAGE LOAN)**

Of the one (1) mortgage loan reviewed, 0 (0.00%) mortgage loans had tape discrepancies across zero (0) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |

---

**ADDITIONAL LOAN POPULATION SUMMARY (1 MORTGAGE LOAN)**

\* Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$342975.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$342975.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$342975.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$342975.00** | &nbsp;&nbsp;**100.00%** |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Rate/Term Refinance – Borrower initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$342975.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$342975.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$342975.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$342975.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$342975.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$342975.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.8

**Exhibit 99.8 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Redacted Loan ID** | **Loan Number** | **Loan Number 2** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| FARQS420IPB | xxx |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | -2.000% | xxx | 0.8 | xxx |  |  |  |  |  | xxx | xxx | 8.531% | xxx | xxx |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 2**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Redacted Loan ID** | **Loan Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** |
| FARQS420IPB | xxx | xxx | Utah | xxx | Primary | Refinance A C |

---

## Exhibit 99.8

**Exhibit 99.8 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| FARQS420IPB | xxx |  | xxx | Utah | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: charged 6.942% allowed 5.260% over by +1.682%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | xxx | xxx | xxx | Primary | Refinance | 630 | 1.25 | xxx | 2 | xxx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.054% |  | Full Documentation | QC Complete | 04/23/2025 |

---

## Exhibit 99.9

**Exhibit 99.9**

![](ex99-9_001.jpg)

**EXECUTIVE SUMMARY**

**THIRD PARTY DUE DILIGENCE REVIEW**

PRPM 2025-NQM3

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by PRPM 2025-NQM3, LLC. The review included a total of 2 originated residential mortgage loans, in connection with the securitization identified as ("PRPM 2025-NQM3") (the "Securitization"). The Review was conducted from September 2023 to February 2024 on mortgage loans originated between September 2023 and January 2024.

**Scope of Review**

**Credit Review**

MaxDiligence performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The credit review will include the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in
the preliminary Loan application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation date, and
NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit conditions
have been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DSCR Loans

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review of Hazard coverage and verification that sufficient coverage was
in place on subject and all premiums were included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage Insurance Certificate was in file, if applicable, and coverage
was sufficient, and premium was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review of Rental income and /or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing
against re-verification documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing Employment, if applicable

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment and closing costs
and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DTI and any required upfront premium
is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with
approval and with all required signatures and NMLS identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, MaxDiligence will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer
Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, excluding investment properties,
as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c))
as evaluated based on the applicable investor guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages
as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans
Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Balloon-payment qualified mortgages made by certain creditors (12 C.F.R.
1026.43(f)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. MaxDiligence will review applicable mortgage loans for compliance with the
ATR and QM rule requirements based upon each mortgage loan's originator designation of QM, Non-QM, or exempt from ATR. (MaxDiligence
determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation.
Generally, MaxDiligence notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan
designation. Additionally, MaxDiligence notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. MaxDiligence utilizes the following designations for applicable loans: QM
designations: QM Safe-Harbor, Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR Exempt and ATR Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans,
MaxDiligence reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage
loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points
and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered
and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child
support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation
Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation
of each source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, MaxDiligence reviews the mortgage
loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii)
in the preceding paragraph.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For each QM designated mortgage loan that satisfied the applicable requirements
enumerated above, MaxDiligence then determines whether the mortgage loan is a Safe Harbor QM or QM Rebuttable Presumption by comparing
the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable
percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department
of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For each QM designated mortgage loan that does not satisfy the applicable
requirements enumerated above, MaxDiligence then determines whether the mortgage loan complies with the ATR rule consideration and verification
requirements, as defined within the applicable underwriting guidelines, and provides a due diligence designation of Non-QM indicating
compliant, ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. MaxDiligence reviews the mortgage loan to determine whether, based on available
information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and will verify
such information using reasonably reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets - Recalculate borrower(s)'s monthly gross income,
and validate funds required to close and required reserves, to Confirm that the borrower has current or reasonably expected income or
assets (other than the value of the property that secures the Loan) that the borrower will rely on to repay the Loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm that the correct program, qualifying rate,
and terms were used to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans - Ensure that all concurrent Loans were included in the
debt-to-income ratio ("DTI") calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations - Validate that the subject Loan monthly payment
calculation includes principle, interest, taxes, and insurance ("PITI"), as well as other costs related to the property such
as homeowners' association ("HOA") fees, private mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate debt-to-income ratio (DTI), or "residual
income," based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly income, based on documentation
provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History - Review credit report for credit history and required credit
depth, including any / all inquiries, and Determine a representative credit score from the credit report

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**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review will include a review of the valuation materials utilized during
the origination of the loan and in confirming the value of the underlying property. MaxDiligence's review will include verifying
the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal report is the lender
or a related entity that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was performed for another lender,
the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior to the final approval
of the mortgage loan application; Any revisions, if made known to MaxDiligence, to the original report are documented and dated completed
and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received including
all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions
of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance
based on a third-party valuation product. If a third-party valuation product is in file but notes a variance above 10% or an inconclusive
value, MaxDiligence will recommend a BPO or field review be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With regard to the use of comparable properties, MaxDiligence's review
will (a) review the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure that
such comparable properties are within standard appraisal guidelines; (b) confirm the property value and square footage of the subject
property was bracketed by comparable properties, (c verify that comparable properties used are similar in size, style, and location to
the subject, and (d) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of MaxDiligence's review include (i) verifying that
the address matched the mortgage note, ((ii) if requested, noting whether the property zip code was declared a FEMA disaster area after
the valuation date and notifying the Client of same, (iii) confirming the appraisal report does not include any apparent environmental
problems, (iv) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (v) reviewing
pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject
property is the one for which the valuation was ordered and that there are no negative external factors; and (vi) confirming that the
value product that was used as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, MaxDiligence will confirm consistency
among the valuation products and if there are discrepancies that could not be resolved, MaxDiligence will create an exception and work
with the client on the next steps which may include ordering of additional valuation products such as collateral desktop analyses, broker's
price opinions, and full appraisals. If the property valuation products included in MaxDiligence's review result in a variance of
more than 10% then the client will be notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Review will confirm to the extent possible, that the appraiser and the appraisal
made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, MaxDiligence will review the appraisal for
conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable
and that pictures were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, MaxDiligence will access the ASC database to verify that the
appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**Compliance Review**

Not applicable.

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade "B" or higher with 50% of the pool receiving an Overall "A" grade.

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![](ex99-9_001.jpg)

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Event Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp; **Percent of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Credit Grade of "A", a Compliance Grade of "B", and a Property Grade of "A" would receive an overall Loan Grade of "B").

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![](ex99-9_001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;Cash Out Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***2*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 2 mortgage loans reviewed, 0 unique mortgage loans (by loan count) had a total of 0 different tape discrepancies. A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

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![](ex99-9_001.jpg)

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Property Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

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![](ex99-9_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Property Event Grades** | &nbsp;&nbsp;**Property Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

Restricted - External

## Exhibit 99.9

**Exhibit 99.9 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXXXX |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | 0 | XXXXXX | Appraisal - 1007 |  | XXXXXX |  |  | XXXXXX | XXXXXX | No | 80.62 | 1.02 | 1.03 | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXXXX |  | XXXXXX |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 134.14 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXXXX |
| XXXXXX |  |  | XXXXXX | XXXXXX | Debt Service Coverage Ratio | Present | No | 0 | XXXXXX | Short Term Rental | XXXXXX | XXXXXX |  |  | XXXXXX | XXXXXX | Yes | 92.51 | 1.08 | 1.08 | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXXXX |  |  |  | XXXXXX |  |  |  |  |  |  |  | No |  | 1 | 1 | Bank / Credit Reference | 16.89 | Yes | XXXXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXXXX | XXXXXX | Individual Guarantor | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXXXX |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 2**

---

| | |
|:---|:---|
| ![Picture](ex99-9sch2_001.jpg) |  |
| Client | PRPM 2025-NQM3 |
| Transaction | PRPM 2025-NQM3 |
| Date | 06/11/2025 |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| XXXXXX |  |  | XXXXXX | XXXXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXXXX |  |  | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 1175053 | 1 of 3 | 2023-09-25 20:52 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2023-09-26 17:59 | Cleared | 1 | 1 | 2 | 2 |
| XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 1179797 | 2 of 3 | 2023-09-27 17:53 | Credit | Cash Out Does Not Meet Guideline Requirements | Cash out does not meet guideline requirements. Per guidelines, the maximum cash-out allowed for a loan with an LTV 65% or higher is $XXXXXX. The subject transaction has an LTV of 70% with a cash-out amount of $XXXXXX. A formal exception was provided in the loan file. <br>|  |  |  | Almost 100% of the loan amount in verified reserves; only 6 months are required. | 2023-09-27 17:53 | Waived | 2 | 2 | 2 | 2 |
| XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 1179859 | 3 of 3 | 2023-09-27 18:08 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2023-09-27 18:08 | Cleared | 1 | 1 | 2 | 2 |
| XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 1414806 | 1 of 3 | 2024-02-05 23:26 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2024-02-05 23:26 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 1414811 | 2 of 3 | 2024-02-05 23:26 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2024-02-05 23:26 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 1419487 | 3 of 3 | 2024-02-07 17:08 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2024-02-07 17:08 | Cleared | 1 | 1 | 1 | 1 |

---

## Exhibit 99.9

**Exhibit 99.9 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 70.0 | 70.0 | XXXXXX | .00 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | .00 | .0000 | XXXXXX | Low | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | 55.0 | 55.0 | XXXXXX | .00 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX |

---

## Exhibit 99.10

**Exhibit 99.10**

![](ex99-10_001.jpg)

**PRPM2025-NQM3**

**Due Diligence Review**

**Narrative Summary**

**June 27, 2025**

**Prepared by**

**Mission Global, LLC**

For

**PRPM2025-NQM3 LLC**

This report summarizes the results of a due diligence review performed on two(2) loans. Mission Global, LLC ("MISSION"), was engaged on behalf of A&D Mortgage LLC ("A&D") and DLJ Mortgage Capital, Inc. ("DLJ") to complete an independent due diligence compliance review of a select number of loans. The pool reviewed consisted of two (2) Non-Qualified Mortgage (NQM) business purpose investment mortgage loans. The loans were subsequently sold to PRP Advisors LLC and PRPM 2025-NQM3 LLC or one of its affiliates (collectively "Client"). A&D and DLJ provided Mission Global, LLC ("Mission") with a data tape, from which 100% of the loan sample was selected. Mission is not aware of the full population so cannot comment on the overall sample size. The loan data was entered into and analyzed using the ***Mission Global Grade<sup>®</sup>*** Underwriting and Diligence grading solution. Mission performed a detailed credit re-underwrite and regulatory compliance review of 100% loans.

Mission Global is a technology-forward service provider built on a culture of deep client service. Mission is a rating agency approved Third Party Review firm delivering underwriting and compliance audits for residential and business purpose loans. Since 1994, Mission Global and its predecessor company, Global Financial Review have provided comprehensive loan due diligence, re-underwriting, and asset management services to clients in the financial services industry. In 2015, Global Financial Review merged with the leading Secondary market consulting firm Mission Capital Advisors, LLC to form Mission Global, LLC. In 2020, Mission Capital Advisors, LLC and Mission Global, LLC were acquired by the leading real estate sales, financing and advisory service firm and now a wholly-owned subsidiary of Marcus & Millichap (NYSE:MMI).

Mission performed a full credit re-underwrite, regulatory compliance, valuation and data integrity review to meet the criteria as published by the Nationally Recognized Statistical Rating Organizations. This deal is to be rated in accordance with the published guidelines of ***Moody's Corporation ("Moodys").*** Mission performed the reviews over a period of time ranging from January 1, 2023 to June 30, 2024.

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Both loans are Non-QM loan business purpose or investment loans. The loan pool is all secured by two family townhome and a condotel as collateral. Both loans are in first lien position.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. File RE-Underwrite Credit Review

A full re-underwriting credit review was conducted to verify that the requisite underwriting guidelines as specified by Client were met. Confirmation of the loan terms was conducted through recalculation and review of documentation contained in the loan files and documents provided to Mission.

The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.2 Guidelines and Overlays

Mission the mortgage loan to ensure it met the requisite guideline requirements as specified by the Client guidelines. In lieu of specific requirements, Mission also considered Regulation Z requirements including Appendix Q or Consider and Verify rules where applicable.

In addition to the guidelines there were two unique overlays for each type of loan program reviewed:

⮚ A&D Super Prime Rate - Primary & Investment <br> ⮚ A&D DSCR Rate - Investment Only <br> ⮚ ATHAS Business Purpose DSCR

These guideline overlays provided additional specific qualification requirements and program specific metric such as min and max loan amounts, cash out refinance limits, ranges of values for acceptance, geographic eligibility, escrow requirements, note, rate and term specific details, qualifying property types, residency requirements, limits on seller and third-party contributions, valuation and title requirements The guidelines and overlays also specified borrower requirements such as credit tradeline and credit event requirements, income and asset qualifications, and citizenship requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.2 Employment and Income

The loans were DSCR loans. In the case of investment purpose loans, rental property income and debt service coverage ratio was both estimated or stated, and/or verified through leases and rent rolls. Mission verified the file documentation for minimum required level of employment and income verifications in accordance with Client provided underwriting guidelines.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.3 Income

These are DSCR loans so in both cases Borrower income was not used in the loan qualification.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.4 Assets

Mission confirmed the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity. Mission verified the file documentation for minimum required level of asset verification in accordance with Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.5 Debt-to-Income Ratio

DTI is not a factor used in these loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.6 Debt Service Coverage Ratio

Both loans that were qualified under the DSCR Rate program, Mission recalculated and verified the Debt Service Coverage Ratio used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and requirements. Rental income used in the calculation for each loan was either verified from an in-place lease and verification of payment or based upon projected market rents taken from the 1007 in the subject property appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.7 Property Valuation

Mission analyzed all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Mission verified the valuation waterfall in each case to determine if based upon UCDP CU credit scores whether a Desk review or a second appraisal was required and to verify all valuation documentation met the requirements of Client provided underwriting guidelines. Where loans are seasoned beyond 24 months since origination an updated valuation is used to determine value is supported. All Appraisals were FIRREA compliant.

In all cases where the collateral is residential based, the primary values were supported by secondary valuation tools including either an AVM, BPO, 2<sup>nd</sup> Appraisal, Appraisal Desk Review or a secondary Drive-By appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.8 Loan-to-Value Ratio

Mission recalculated and verified the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and met Client provided underwriting guideline and regulatory requirements.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.9 Credit History

Mission reviewed the initial credit reports used at origination and captured updated gap report values to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.10 Credit Scores

Mission captured FICO scores from credit reports used at origination and any updated gap report values to validate that borrower(s) met minimum credit score requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.11 Compensating Factors

Mission reviewed all provided guideline exceptions and verified exceptions to the Client provided underwriting guidelines were documented and that compensating factors were reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Document Review

Mission's review each loan file confirmed the presence of material documentation as applicable to the specifics of the loan transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1 Title Commitment and Policy

Mission verified the presence of at a minimum the initial title commitment or final title policy. Mission confirmed the vested parties and the description of the property, liens and tax assessments. Given the recent origination of many of the loans contained only an initial title commitment. Comments on loans where the final title policy was still pending were noted in the resolution of each loan in the grading findings.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2 Mortgage Note & Security Instrument

Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement were present and duly executed. Mission confirmed that Mortgage note was either fixed or adjustable according to requirements of the Client provided underwriting guidelines and captured relevant Note data specific to each loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3 Mortgage & Deed of Trust

Mission verified the presence of a copy Mortgage or Deed of Trust and confirmed that the documents were executed by all required parties and that all riders, addendums and exhibits as required exist in the loan file. Mission also verified that the Mortgage was recorded or sent for recording. Given the recent origination of many of the loans contained only an executed Mortgage not a recorded document. Comments on loans where recorded Mortgage was still pending were noted in the resolution of each loan in the grading findings.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.4 Income Documentation

Income documentation is not reviewed in these loans..

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.5 Asset Documentation

Mission verified the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.6 Proof of Insurance

Mission verified the presence of insurance policies and certificates for mortgage, hazard and flood insurance on each loan depending upon the specifics of the loan. Mission confirmed that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Regulatory Compliance

These are investment or business purposes loans and therefore Compliance is not a factor in these loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.1 Regulatory Compliance Disclaimer

Please be advised that Mission did not make a determination as to whether loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated herein. There can be no assurance that the review uncovered all issues relating to the origination of the mortgage loans, their compliance with applicable law and regulation and the original appraisals relating of the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Mission are dependent upon its receiving complete and accurate data regarding the mortgage loans from loans originators and other third parties upon which Mission is relying in reaching such findings.

Please be further advised that Mission does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Mission do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Mission. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Mission to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Mission are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2 Misrepresentation and Third-Party Report Review

Mission verified that fraud reports were present on all loans and independent third-party property valuations reports are in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2.1 Misrepresentation Review

Mission validated the presence of a Fraud Guard report on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2.2 Alerts

Mission validated credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2.3 Social Security Numbers

Mission verified SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2.4 Document Integrity

Mission validated to the extent possible for apparent alterations to loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2.5 Data Consistency

Mission validated the documents contained in the loan file for consistency of data.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2.6 Third Party Fraud Tools

To the extent a third-party Fraud Guard was present in the loan file, Mission reviewed high level or critical warnings were reviewed and addressed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Data Integrity Review

Mission was provided with a Client bid tape to conduct a Data Integrity Review. The Client provided a data tape with the following data fields and Mission compared the field to the applicable source document and reported all variances.

The following fields were provided and compared:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower First Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower Last Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Co-Borrower First Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Co-Borrower Last Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ # of Units Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Contract Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Qualifying Debt-to-Income Ratio

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Debt Service Coverage Ratio
(Business Purpose Investment loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower Qualifying FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower Total Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ First Payment Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Primary Appraised Value for
LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Note Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Qualifying CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original P&I

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Refinance Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject Property Street

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject Property Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Loan and Exception Level Grading
Methodology

Pursuant to the applicable NRSRO criteria, Mission graded each loan exception with an event level 1 for exceptions findings that are informational in nature, event level 2 for exceptions findings that are considered non-material, event level 3 for exceptions findings that are considered material. In accordance applicable NRSRO criteria exceptions and overall initial loan grades and final loan Grades were assigned with an A, B, C or D. The methodology for the application of RMBS grading is defined by each NRSRO in their current industry publications as updated from time to time.

Pursuant to the applicable NRSRO criteria, Mission graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Where applicable, mortgage loans that are seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The period is not limited for claims, other than recission, which are raised as a defense to foreclosure. Information contained in any Mission reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

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**NRSRO GRADING METHODOLOGY**

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| **Ratings Grade \*** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans (by count) in<br> MISSION Population** |
| A | &nbsp;&nbsp; 2 | &nbsp;&nbsp;100.0% |
| B | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0% |
| C | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0% |
| D | &nbsp;&nbsp; 0 | &nbsp;&nbsp; 0% |

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| &nbsp;&nbsp;**NRSRO GRADE SUMMARY** | | |
| &nbsp;&nbsp;**NRSRO GRADE** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans (by count) in<br> MISSION Population** |
| &nbsp;&nbsp;**CREDIT** |  |  |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**COMPLIANCE** |  |  |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**PROPERTY/VALUE** |  |  |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |

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**DATA INTEGRITY REVIEW**

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| &nbsp;&nbsp;**Data Compare Summary** | &nbsp;&nbsp;**Data Compare Summary** | &nbsp;&nbsp;**Data Compare Summary** | &nbsp;&nbsp;**Data Compare Summary** | &nbsp;&nbsp;**Data Compare Summary** |
| &nbsp;&nbsp;**3265_PRPM 2025-NQM3_FINAL** |  |  |  |  |
| &nbsp;&nbsp;**Run Date - 6/15/2025 14:30:00 PM** |  |  |  |  |
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**Comments** |
| &nbsp;&nbsp;AllBorrowerTotalIncome | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;ApplicationDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;B1BirthDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;B1Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;B1MaritalStatus | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;B1SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;CashtoClose | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;Mission verified cash to close from data provided in closing documents. |
| &nbsp;&nbsp;ClosingSettlementDate | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;Mission verified settlement date from data provided in closing documents. |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;Mission verified all rental income and debts used in DSCR calculation. |
| &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;LenderName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;MINNo | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;MonthlyPropertyTaxAmount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;MortgageOriginationChannel | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;NoteDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;NoteType | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |

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| &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;PrepaymentPenaltyFlag | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;Mission verified prepayment reports from rider in the Note. |
| &nbsp;&nbsp;PrimaryAppraisedPropertyValue | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;PrimaryMortgageorRentTimes30 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;PrimaryMortgageorRentTimes60 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;PrimaryMortgageorRentTimes90 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;PropertyAddress | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;Mission verified all addresses provided from property reports provided. |
| &nbsp;&nbsp;PropertyCity | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;PropertyCounty | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;PropertyRights | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;PropertyState | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;PropertyZipCode | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;QualifyingCLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;QualifyingFICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;Mission verified FICO scores from credit reports provided. |
| &nbsp;&nbsp;ReviewedAppraisedPropertyValue | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;Mission verified values from appraisal reports provided. |
| &nbsp;&nbsp;SalesPrice | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;TotalDebtIncomeRatio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;TotalMonthlyPropertyInsuranceAmount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;UnderwritingGuidelineLenderName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;UnderwritingGuidelineName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;UnderwritingGuidelineVersionDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |
| &nbsp;&nbsp;VerifiedDocType | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |  |

---

---

| | |
|:---|:---|
| Confidential and Privileged. Use is restricted without the written consent of the Author. | Page \| **10** |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 1**

![](ex99-10sch1_001.jpg)

**Data Compare Detail Report**

**3265_PRPM 2025-NQM3_FINAL**

**Run Date - 6/15/2025 14:30:00 PM** 

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** |
| BPD2022080132 |  |  | Athas 2022-NQM19 | Qualifying FICO | creditLiabilitiesPage | 674 | 0 |
| BPD2022080132 |  |  | Athas 2022-NQM19 | Property Address | notePage | [redacted] | [redacted] |
| BPD2022080132 |  |  | Athas 2022-NQM19 | Prepayment Penalty Flag | notePage | Y | false |
| BPD2022080132 |  |  | Athas 2022-NQM19 | Cash to Close | hudClosingDetailPage | 149753.57 | 149517.34 |
| BPD2022080132 |  |  | Athas 2022-NQM19 | Calculated DSCR | diligenceFinalLookPage | 1.05 | 0 |
| BPD2022080132 |  |  | Athas 2022-NQM19 | Reviewed Appraised Property Value | diligenceFinalLookPage | [redacted] | [redacted] |
| 1069930 |  |  | 3178_A&D Mortgage_May24 | Property Address | notePage | [redacted] | [redacted] |
| 1069930 |  |  | 3178_A&D Mortgage_May24 | Closing/Settlement Date | hudClosingDetailPage | XX | XX |
| 1069930 |  |  | 3178_A&D Mortgage_May24 | Calculated DSCR | diligenceFinalLookPage | 0.785 | 0.483 |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 2**

---

| |
|:---|
| ![](ex99-10sch2_002.jpg) |
| **Rating Agency Grades Detail Report** |
| **3265_PRPM 2025-NQM3_FINAL** |
| **Run Date - 6/15/2025 14:30:00 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Overall Initial Loan Grade** | **Overall Final Loan Grade** | **Credit Initial Loan Grade** | **Credit Current/Final Loan Grade** | **Compliance Initial Loan Grade** | **Compliance Current/Final Loan Grade** | **Property Initial Loan Grade** | **Property Current/Final Loan Grade** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Initial Finding Grade** | **Current/Final Finding Grade** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXX |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other |  |  |  |
| XXX |  |  | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |  |  |  |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 3**

---

| |
|:---|
| ![](ex99-10sch3_001.jpg) |
| **Rating Agency Grades Summary Report** |
| **3265_PRPM 2025-NQM3_FINAL** |
| **Run Date - 6/15/2025 14:30:00 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Loan ID** | **Investor ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** |
| XXX |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXX |  |  | [redacted] | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 4**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-10sch4_001.jpg) | ![](ex99-10sch4_001.jpg) |  |  |  |  |  |  |  |  |  |
| **VALUATION REPORT** | **VALUATION REPORT** |  |  |  |  |  |  |  |  |  |
| **3265_PRPM 2025-NQM3_FINAL** |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 6/15/2025 14:30:00 PM** |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **ORIGINATION VALUES** | **SECOND APPRAISAL VALUE** | **AVM VALUES** | **DESK REVIEW VALUES** | **FIELD REVIEW VALUES** | **BPO VALUES** | **SECOND FIELD REVIEW VALUES** | **2055 VALUES** | **UPDATED VALUES** | **COLLATERAL UNDERWRITER SCORES** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Completion Report (1004D) Date** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Value for LTV** | **LTV** | **CLTV** | **Primary Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Vendor** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| BPD2022080132 |  |  | [redacted] | [redacted] |  | [redacted] | 0 | [redacted] | [redacted] | 56.88 | 56.88 | [redacted] |  |  |  |  |  | [redacted] | [redacted] | .1500 | 82.0 | 0.18 | [redacted] | CA AVM | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |
| 1069930 |  |  | [redacted] | [redacted] |  | [redacted] | 0 | [redacted] | [redacted] | 70.00 | 70.00 | [redacted] |  |  |  |  |  | [redacted] | [redacted] | -.0787 | 96.0 | 0.04 | [redacted] | Agile Insights | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.5 |

---

## Exhibit 99.10

**Exhibit 99.10 Schedule 5**

---

| |
|:---|
| ![](ex99-10sch5_001.jpg) |
| **Business Purpose Supplemental Data** |
| **3265_PRPM 2025-NQM3_FINAL** |
| **Run Date - 6/15/2025 14:30:00 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XX |  |  | [redacted] | XX | Debt Service Coverage Ratio | Present | Yes | 2800 | 2850 | Appraisal - 1025 |  | N/A |  |  | 2800 | Appraisal - 1025 | No | 95.01 | 1.05 | 1.05 | 2660.2 | 1300 | 03-31-2023 | 12 | 1500 | 02-28-2023 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2800 |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 56.29 | No | [redacted] |  | Vested Individual | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 |  | [redacted] |
| XX |  |  | [redacted] | XX | Debt Service Coverage Ratio | Present | No | 0 | 3712 | [redacted] |  | N/A |  | 60.00% | 3712 | [redacted] | Yes | 206.8 | .78 | .78 | 4730.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  |  | 3712 |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 3.01 | Yes | [redacted] | Limited Liability Corporation (LLC) | Individual Guarantor | [redacted] | [redacted] |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | [redacted] |

---

## Exhibit 99.11

**Exhibit 99.11**

![](ex99-11_001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by PRPM 2025-NQM3, LLC ("Client"). The review was conducted between March 2022 and May 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 84 Non-QM loans and 54 ATR-QM exempt loans for A total of 138 loans the "Final Securitization Population".

*<u>Credit Reviews (138):</u>*

During the Review, Selene performed a credit review on 138 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (138)</u>*

During the Review, Selene performed a compliance review, when applicable on 138 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (138):</u>*

During the Review, Selene performed a property valuation review on 138 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (138):</u>*

During the Review, Selene performed a Data Integrity Review on 138 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 138 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;138 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;138 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;138 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;138 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, Moody's Investors Service, Inc. ("Moodys") (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

ACC Underwriting Guidelines, EasyRent DSCR Guidelines, Kind Lending Non-Agency Program Guidelines, Loanstream One Guidelines, Deephaven Underwriting Guidelines, EC NonQM Investor Eligibility Guidelines, Choice Non-QM Underwriting Guidelines (the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page 2 of **16**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A,B, and C, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed whether the characteristics of the
mortgage loans and the borrowers conformed to the Guidelines cited above;

• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

• Analyzed asset statements to determine whether
funds to close and reserves were within the Guidelines;

• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page 3 of **16**

**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Reviewer collects validated loan data;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each
received data point is compared to its counterpart collected data point; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies
found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 138 mortgage loans, (ii) a Compliance Review on 138 mortgage loans (iii) a Valuation Review on 138 mortgage loans, and (iv) a Data Integrity Review on 138 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 138 mortgage loans; 98 mortgage loans had a rating grade of A, 40 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

***Grades per loan (138 overall loans)***:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;A | &nbsp;&nbsp;98 | &nbsp;&nbsp;71.01% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.62% | &nbsp;&nbsp;B | &nbsp;&nbsp;40 | &nbsp;&nbsp;28.99% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;29 | &nbsp;&nbsp;21.01% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;81 | &nbsp;&nbsp;58.70% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page 4 of **16**

***Final Grades per loan broken out by compliance, credit and property:***

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;134 | &nbsp;&nbsp;97.10% | &nbsp;&nbsp;A | &nbsp;&nbsp;102 | &nbsp;&nbsp;73.91% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.90% | &nbsp;&nbsp;B | &nbsp;&nbsp;36 | &nbsp;&nbsp;26.09% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;137 | &nbsp;&nbsp;99.28% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.72% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Page 5 of **16**

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Due Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

Page 6 of **16**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

Page 7 of **16**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
for any social security number variations for the borrowers and confirm that the variations have been addressed in the loan file;

Page 8 of **16**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
for any potential occupancy issues based on the borrowers' address history and confirm that any issues have been addressed in the
loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
for any additional consumers associated with the borrowers' profiles and confirm the materiality and material issues have been
addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

Page 9 of **16**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015:*</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

Page 10 of **16**

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;j) review for presence of mortgage loan originator
organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan
contract, security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database, as available.

**2.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vi) confirm borrower received LE not later than four (4) business days prior to consummation; and

vii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD; and

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

Page 11 of **16**

**3.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

**<u>General Ability to Repay</u>**

Selene reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Selene reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page 12 of **16**

**SCHEDULE I**

**<u>Selene tests perform compliance checks by state license types for interest rate, late fees, grace periods, high cost, higher priced, anti-predatory lending and prepayment term requirements. Restrictive Fees test assess qualifiable mortgage loan fee restrictions under state/municipalities laws and regulations.</u>**

**(Below are state regulations which test specifically for high cost, higher priced, and anti-predatory lending.)**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License<br>
Registered Depository Institution Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington, DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington, DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator
Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License-
Master Loan Company Registration<br>
Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License<br>
Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM Home Loan Protection Act (pre- and post-amendments)

Page 13 of **16**

&nbsp;&nbsp;&nbsp;&nbsp;33. OH Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License – Mortgage
Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;48. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;49. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;50. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;51. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;52. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;53. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;54. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;55. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;56. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced
Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;57. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced
Mortgage Loan Provisions - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;58. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;59. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;60. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;61. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;62. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;63. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;64. OH Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;65. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;66. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;67. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;68. TX Home Loan and High Cost Home Loan Act

Page 14 of **16**

&nbsp;&nbsp;&nbsp;&nbsp;69. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;70. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;71. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;72. WI Responsible High Cost Mortgage Lending Act

Page 15 of **16**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are
not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily
licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal
reviews" for purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding
that Selene may have reviewed valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene is not an 'AMC' (appraisal management company)
and therefore Selene does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations,
and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page 16 of **16**

## Exhibit 99.11

**Exhibit 99.11 Schedule 1**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxxxxx6870 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx6870 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx6870 |  |  | XXXX | XXXX | the1008Page | XXXX | XXXX | XXXX |
| xxxxxx6870 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx2053 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx5758 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx5758 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7217 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx2556 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx4032 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx4032 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx4032 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx4032 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4110 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx4110 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4110 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx9804 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxx1594 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx1418 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx0165 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx1399 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx1466 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx1466 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx1632 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxx1483 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx1483 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx1400 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx1400 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxx1468 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7784 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx7784 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7784 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx1562 | 132411562 |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx1439 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx1636 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxx0191 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx4857 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx4857 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4857 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx2813 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx1357 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx9677 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2762 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx0140 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2902 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2902 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx1385 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx1487 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2735 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2894 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx2784 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx2784 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx2784 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx2784 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxx5037 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxx5037 |  |  | XXXX | XXXX | deedOfTrustPage | XXXX | XXXX | XXXX |
| xxxxxx4481 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx4262 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx4262 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx2179 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx1243 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx1243 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx3548 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx3548 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx3548 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4429 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx2884 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxx2884 |  |  | XXXX | XXXX | fraudReportPage | XXXX | XXXX | XXXX |
| xxxxxx4144 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx4155 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx4155 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx4155 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx4155 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx4351 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx4351 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx1073 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx4817 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx4817 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4817 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5238 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx5238 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx5238 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx3517 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx3517 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx3517 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx3517 |  |  | XXXX | XXXX | mortgageInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx3517 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx3517 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx5260 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx2774 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx2774 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx3793 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx3793 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx3793 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4623 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx5434 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx4377 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx4134 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx4134 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx4134 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx4474 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx2490 | 162502490 |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx2490 | 162502490 |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx2490 | 162502490 |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxx2490 | 162502490 |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxx2490 | 162502490 |  | XXXX | XXXX | fraudReportPage | XXXX | XXXX | XXXX |
| xxxxxx5040 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx5040 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx6643 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx4292 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx4292 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx7297 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx7297 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7297 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7297 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx2311 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx2311 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx2311 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx2311 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx2311 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx2311 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx3534 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx3534 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx3534 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxx3952 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx2910 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx2910 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx2910 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx2910 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx1203 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx1203 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx1203 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx1203 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx1064 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx1064 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx5852 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx5852 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx5852 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8657 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx8657 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx8657 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx3828 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx3828 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx3960 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxx3960 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx3960 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx3417 |  |  | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| xxxxxx3417 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx3417 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx3417 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx8963 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx8963 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4930 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx4930 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx4114 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx4114 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx4114 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx4114 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx2260 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx2260 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx2260 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx2260 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7694 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxxx7694 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx7694 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx7694 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx1303 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx1303 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx1303 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx3029 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx3771 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx3771 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx3817 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx3914 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx3914 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx2668 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx3005 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxx3923 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx3923 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx3781 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx3781 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx3781 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx3884 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx3884 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx3884 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxx3884 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxxx2086 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx2360 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx2360 |  |  | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| xxxxxx2360 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxxx2360 |  |  | XXXX | XXXX | propertyInsurancePage | XXXX | XXXX | XXXX |
| xxxxxx0515 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx0515 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx0891 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxxx2073 |  |  | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| xxxxxx2073 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx1363 |  |  | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| xxxxx3898 |  |  | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| xxxxx3892 |  |  | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| xxxxx4240 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx3987 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx3987 |  |  | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| xxxxx4121 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |
| xxxxx4057 |  |  | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.11

**Exhibit 99.11 Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| xxxxxx6870 |  | XXXX | XXXX C A |
| xxxxxx2163 |  | XXXX | XXXX B A |
| xxxxxx2053 |  | XXXX | XXXX D A B |
| xxxxxx5758 |  | XXXX | XXXX A |
| xxxxxx6083 |  | XXXX | XXXX D A |
| xxxxxx7217 |  | XXXX | XXXX D A |
| xxxxxx5275 |  | XXXX | XXXX A |
| xxxxxx2556 |  | XXXX | XXXX C A |
| xxxxxx4032 |  | XXXX | XXXX D A |
| xxxxxx4110 |  | XXXX | XXXX A D |
| xxxxx9804 |  | XXXX | XXXX A B |
| xxxxx1594 |  | XXXX | XXXX B D A |
| xxxxx1445 |  | XXXX | XXXX A D |
| xxxxx1465 |  | XXXX | XXXX A D |
| xxxxx1418 |  | XXXX | XXXX D A B |
| xxxxx0165 |  | XXXX | XXXX C D A B |
| xxxxx0852 |  | XXXX | XXXX B D A |
| xxxxx1399 |  | XXXX | XXXX D A B |
| xxxxx1369 |  | XXXX | XXXX B D A |
| xxxxx1466 |  | XXXX | XXXX D A |
| xxxxx1632 |  | XXXX | XXXX B D A |
| xxxxx1483 |  | XXXX | XXXX C D A B |
| xxxxx1602 |  | XXXX | XXXX B D A |
| xxxxx1400 |  | XXXX | XXXX C D A B |
| xxxxx1468 |  | XXXX | XXXX C D A B |
| xxxxxx7784 |  | XXXX | XXXX C A B |
| xxxxx1582 |  | XXXX | XXXX C D A |
| xxxxx1362 |  | XXXX | XXXX C D A B |
| xxxxx8096 |  | XXXX | XXXX C B A |
| xxxxx1563 |  | XXXX | XXXX A D |
| xxxxx1562 | xxxxx1562 | XXXX | XXXX D A B |
| xxxxx1439 |  | XXXX | XXXX B D A |
| xxxxx1570 |  | XXXX | XXXX D B A |
| xxxxx1636 |  | XXXX | XXXX C B A |
| xxxxx0191 |  | XXXX | XXXX A D |
| xxxxxx4857 |  | XXXX | XXXX C A B |
| xxxxx2813 |  | XXXX | XXXX C D A B |
| xxxxx1624 |  | XXXX | XXXX C D A |
| xxxxx0222 |  | XXXX | XXXX C B A |
| xxxxx1357 |  | XXXX | XXXX D A |
| xxxxx9677 |  | XXXX | XXXX D A |
| xxxxx1618 |  | XXXX | XXXX A D |
| xxxxx0970 |  | XXXX | XXXX A B |
| xxxxx2762 |  | XXXX | XXXX D A |
| xxxxx0140 |  | XXXX | XXXX C D A |
| xxxxx1610 |  | XXXX | XXXX D A |
| xxxxx2902 |  | XXXX | XXXX B D A |
| xxxxx1385 |  | XXXX | XXXX B D A |
| xxxxx1487 |  | XXXX | XXXX C B A |
| xxxxx1667 |  | XXXX | XXXX B D A |
| xxxxx2735 |  | XXXX | XXXX A C |
| xxxxx2894 |  | XXXX | XXXX A |
| xxxxxx2784 |  | XXXX | XXXX A D |
| xxxxxx2978 |  | XXXX | XXXX C A |
| xxxxxx3838 |  | XXXX | XXXX D A |
| xxxx5037 |  | XXXX | XXXX D A B |
| xxxxxx4481 |  | XXXX | XXXX D A |
| xxxxxx4237 |  | XXXX | XXXX C A B |
| xxxxxx2845 |  | XXXX | XXXX A |
| xxxxxx4262 |  | XXXX | XXXX A D |
| xxxxxx0837 |  | XXXX | XXXX D A |
| xxxxxx2179 |  | XXXX | XXXX D C A B |
| xxxxx1243 |  | XXXX | XXXX D A |
| xxxxxx3548 |  | XXXX | XXXX A |
| xxxxxx4429 |  | XXXX | XXXX D A |
| xxxxxx3128 |  | XXXX | XXXX D A |
| xxxxx2884 |  | XXXX | XXXX A D |
| xxxxxx4144 |  | XXXX | XXXX D A |
| xxxxxx4155 |  | XXXX | XXXX A |
| xxxxxx3646 |  | XXXX | XXXX A D |
| xxxxxx4351 |  | XXXX | XXXX C A |
| xxxxx1073 |  | XXXX | XXXX A D C |
| xxxxxx4817 |  | XXXX | XXXX C A |
| xxxxxx5238 |  | XXXX | XXXX C A |
| xxxxxx2201 |  | XXXX | XXXX B A |
| xxxxxx3517 |  | XXXX | XXXX D A |
| xxxxxx5424 |  | XXXX | XXXX A |
| xxxxxx5260 |  | XXXX | XXXX D A |
| xxxxxx5242 |  | XXXX | XXXX A |
| xxxxx2774 |  | XXXX | XXXX C A B |
| xxxxxx3793 |  | XXXX | XXXX A |
| xxxxxx4623 |  | XXXX | XXXX D A |
| xxxxxx5434 |  | XXXX | XXXX C A |
| xxxxxx1317 |  | XXXX | XXXX C A |
| xxxxxx4377 |  | XXXX | XXXX D A |
| xxxxxx4134 |  | XXXX | XXXX A |
| xxxxxx4474 |  | XXXX | XXXX A |
| xxxxx2490 | xxxxx2490 | XXXX | XXXX D B A |
| xxxxxx5040 |  | XXXX | XXXX A |
| xxxxxx6643 |  | XXXX | XXXX A |
| xxxxxx4292 |  | XXXX | XXXX A |
| xxxxxx7297 |  | XXXX | XXXX C A B |
| xxxxxx2311 |  | XXXX | XXXX A |
| xxxxxx3534 |  | XXXX | XXXX A D |
| xxxxx3952 |  | XXXX | XXXX A |
| xxxxx3796 |  | XXXX | XXXX A |
| xxxxxx2910 |  | XXXX | XXXX D A |
| xxxxxx1203 |  | XXXX | XXXX D A |
| xxxxxx1064 |  | XXXX | XXXX C D A B |
| xxxxxx3899 |  | XXXX | XXXX D C A |
| xxxxxx5852 |  | XXXX | XXXX C A D |
| xxxxxx8657 |  | XXXX | XXXX C A D |
| xxxxx3874 |  | XXXX | XXXX A D |
| xxxxx3828 |  | XXXX | XXXX A |
| xxxxx3960 |  | XXXX | XXXX D A B |
| xxxxxx3417 |  | XXXX | XXXX D A |
| xxxxxx8963 |  | XXXX | XXXX A |
| xxxxxx4930 |  | XXXX | XXXX C A |
| xxxxxx4114 |  | XXXX | XXXX C A |
| xxxxxx2260 |  | XXXX | XXXX A C |
| xxxxxx7694 |  | XXXX | XXXX D A B |
| xxxxxx1303 |  | XXXX | XXXX D A |
| xxxxx3029 |  | XXXX | XXXX D A |
| xxxxx1239 |  | XXXX | XXXX C A B |
| xxxxx3771 |  | XXXX | XXXX D A |
| xxxxx3817 |  | XXXX | XXXX A D |
| xxxxx3914 |  | XXXX | XXXX A |
| xxxxx2668 |  | XXXX | XXXX B D A |
| xxxxx3005 |  | XXXX | XXXX B D A |
| xxxxx2658 |  | XXXX | XXXX C A B |
| xxxxx3923 |  | XXXX | XXXX A D |
| xxxxx2712 |  | XXXX | XXXX D A B |
| xxxxx3781 |  | XXXX | XXXX A |
| xxxxx3884 |  | XXXX | XXXX C D A |
| xxxxxx2086 |  | XXXX | XXXX A D |
| xxxxxx2360 |  | XXXX | XXXX A |
| xxxxxx0515 |  | XXXX | XXXX A C |
| xxxxxx0891 |  | XXXX | XXXX C A B |
| xxxxx2652 |  | XXXX | XXXX B D A |
| xxxxxx2073 |  | XXXX | XXXX A |
| xxxxx3930 |  | XXXX | XXXX C A B |
| xxxxx1363 |  | XXXX | XXXX C A D B |
| xxxxx3898 |  | XXXX | XXXX B D A |
| xxxxx3892 |  | XXXX | XXXX C A |
| xxxxx4240 |  | XXXX | XXXX C A |
| xxxxx3987 |  | XXXX | XXXX A B |
| xxxxx4121 |  | XXXX | XXXX C B A |
| xxxxx4057 |  | XXXX | XXXX C D A B |

---

## Exhibit 99.11

**Exhibit 99.11 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | xxxxxx6870 |  |  | Closed | 2022-03-14 21:30 | 2022-03-15 13:40 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Client provided Hazard insurance and Final Closing document resolved - Due Diligence Vendor-03/15/2022 <br> Ready for Review-Document Uploaded. Effective date of hazard insurance is XXXX which is same as disbursement date. Which is what is required - Seller-03/14/2022 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX. Dibursement date per final CD is XXXX - Due Diligence Vendor-03/09/2022 | Ready for Review-Document Uploaded. Effective date of hazard insurance is XXXX which is same as disbursement date. Which is what is required - Seller-03/14/2022 | Resolved-Client provided Hazard insurance and Final Closing document resolved - Due Diligence Vendor-03/15/2022<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 340037 | N/A | N/A |
| XXXX | xxxxxx2163 |  |  | Closed | 2023-09-13 05:49 | 2023-09-13 05:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception is in Page #260 - Due Diligence Vendor-09/13/2023 |  | Waived-Exception is in Page #260 - Due Diligence Vendor-09/13/2023<br>|  |  | 1. DSCR at least 1.20 <br> 2. Reserves at least 36 months | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 1153339 | Originator Post-Close | Yes |
| XXXX | xxxxxx2053 |  |  | Closed | 2023-09-14 10:28 | 2023-09-18 07:43 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 uploaded with corrected Refinance type to Cash-Out Refinance, verified & entered in system - Resolved. - Due Diligence Vendor-09/18/2023 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-09/18/2023 <br>Ready for Review-Document Uploaded. Please see corrected 1008. - Seller-09/15/2023 <br>Open-The 1008 document is missing from the loan file. Request to provide 1008 with correct Loan Purpose. <br> Loan purpose Per HUD, Approval and Loan Exception reflect Cash out. 1008 shows Limited Cash-Out Refinance (Fannie) . - Due Diligence Vendor-09/14/2023 | Ready for Review-Document Uploaded. Please see corrected 1008. - Seller-09/15/2023<br>| Resolved-Updated 1008 uploaded with corrected Refinance type to Cash-Out Refinance, verified & entered in system - Resolved. - Due Diligence Vendor-09/18/2023 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-09/18/2023<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 1155951 | N/A | N/A |
| XXXX | xxxxxx2053 |  |  | Closed | 2023-09-15 03:52 | 2023-09-15 03:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 70% exceeds Guideline LTV of 65% Exception Approved to increase LTV to 70% for a cash out loan. Waiver on file on pg#206 - Due Diligence Vendor-09/15/2023 |  | Waived-Audited LTV of 70% exceeds Guideline LTV of 65% Exception Approved to increase LTV to 70% for a cash out loan. Waiver on file on pg#206 - Due Diligence Vendor-09/15/2023<br>|  |  | Comp Factor #1: DSCR at least 1.15 <br> Comp Factor #2: Reserves w/o cash out is at least 20 months<br> Comp Factor #3: Experienced Investor | FL | Investment | Refinance | Cash Out - Other | 1157936 | Originator Pre-Close | Yes |
| XXXX | xxxxxx6083 |  |  | Closed | 2023-10-02 06:14 | 2023-10-04 10:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report - LDP & SAM.GOV search uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-10/04/2023 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/04/2023 <br>Ready for Review-Document Uploaded. - Seller-10/03/2023 <br>Open-Missing Third Party Fraud Report Request to provide Fraud Report as it is missing in file. - Due Diligence Vendor-10/02/2023 | Ready for Review-Document Uploaded. - Seller-10/03/2023<br>| Resolved-Third Party Fraud Report - LDP & SAM.GOV search uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-10/04/2023 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/04/2023<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 1187312 | N/A | N/A |
| XXXX | xxxxxx7217 |  |  | Closed | 2023-10-12 08:50 | 2023-10-23 17:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-10/23/2023 <br>Ready for Review-Document Uploaded. - Seller-10/20/2023 <br>Counter-May you please provide the 4506-C. The document provided are IRS transcripts - Due Diligence Vendor-10/19/2023 <br>Ready for Review-Document Uploaded. - Seller-10/17/2023 <br>Open-Borrower 1 Executed 4506-T Missing Please provide Borrower 1 Executed 4506-T - Due Diligence Vendor-10/12/2023 | Ready for Review-Document Uploaded. - Seller-10/20/2023 <br>Ready for Review-Document Uploaded. - Seller-10/17/2023<br>| Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-10/23/2023<br>| XXXX |  |  | KY | Primary Residence | Refinance | Cash Out - Other | 1207450 | N/A | N/A |
| XXXX | xxxxxx2556 |  |  | Closed | 2024-05-29 11:20 | 2024-06-03 14:31 | Resolved | 1 - Information C A | Credit | Credit | Missing subject rental income documentation | Resolved-Document provided, resolved. - Due Diligence Vendor-06/03/2024 <br> Ready for Review-Document Uploaded. Hi Tenant, please see page 32 of our package for the XXXX. - Seller-05/31/2024 <br> Open-XXXX statement is missing as per lender approval. Requesting the XXXX statement. - Due Diligence Vendor-05/30/2024 | Ready for Review-Document Uploaded. Hi Tenant, please see page 32 of our package for the XXXX. - Seller-05/31/2024 | Resolved-Document provided, resolved. - Due Diligence Vendor-06/03/2024<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 1750043 | N/A | N/A |
| XXXX | xxxxxx4032 |  |  | Closed | 2024-06-18 03:01 | 2024-07-08 15:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-07/03/2024 <br>Resolved-The Note is Present - Due Diligence Vendor-07/03/2024 <br>Resolved-Resolved- Updated Supporting document I/O note. - Due Diligence Vendor-07/01/2024 <br>Resolved-The Note is Present - Due Diligence Vendor-07/01/2024 <br>Resolved-The Note is Present - Due Diligence Vendor-07/01/2024 <br>Ready for Review-Document Uploaded. - Seller-06/28/2024 <br>Open-The Note is Incomplete Per approval/1008 P&I reflecting based on IO numbers & Note is fixed rate. due to P&I discrepancy there is DTI variance. - Due Diligence Vendor-06/18/2024 | Ready for Review-Document Uploaded. - Seller-06/28/2024<br>| Resolved-The Note is Present - Due Diligence Vendor-07/03/2024 <br>Resolved-The Note is Present - Due Diligence Vendor-07/03/2024 <br>Resolved-Resolved- Updated Supporting document I/O note. - Due Diligence Vendor-07/01/2024 <br>Resolved-The Note is Present - Due Diligence Vendor-07/01/2024 <br>Resolved-The Note is Present - Due Diligence Vendor-07/01/2024<br>| XXXX |  |  | CA | Investment | Purchase | NA | 1845962 | N/A | N/A |
| XXXX | xxxxxx4032 |  |  | Closed | 2024-06-18 03:10 | 2024-07-08 13:55 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/08/2024 <br> Resolved-Resolved-I/O Note provided. - Due Diligence Vendor-07/03/2024 <br> Ready for Review-Resolved-I/O Note provided. - Due Diligence Vendor-07/03/2024 <br> Ready for Review-Document Uploaded. - Seller-07/03/2024 <br> Counter-Subject Property payment reflects P&I of XXXX which does not match Note P&I of XXXXX. 1008 value reflects I/O which Note does not include any I/O verbiage. Corrected 1008 required. - Due Diligence Vendor-06/25/2024 <br> Ready for Review-See attached. - Seller-06/24/2024 <br> Open-The 1008 document is missing from the loan file. 1008 Document is present. Subject Property payment reflects P&I of $6458.33 which does not match Note P&I of $7164.12. 1008 value reflects I/O which Note does not include any I/O verbiage. Corrected 1008 required. - Due Diligence Vendor-06/18/2024 | Ready for Review-Document Uploaded. - Seller-07/03/2024 <br>Ready for Review-See attached. - Seller-06/24/2024<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/08/2024 <br>Resolved-Resolved-I/O Note provided. - Due Diligence Vendor-07/03/2024<br>| XXXX |  |  | CA | Investment | Purchase | NA | 1845972 | N/A | N/A |
| XXXX | xxxxxx4032 |  |  | Closed | 2024-06-17 10:08 | 2024-07-08 13:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/27/2024 <br>Ready for Review-Document Uploaded. - Seller-06/25/2024 <br>Counter-Preliminary report in file, does not include coverage amount. Need final title with coverage details. - Due Diligence Vendor-06/20/2024 <br>Ready for Review-Document Uploaded. - Seller-06/19/2024 <br>Open-Title Document is missing Preliminary Report missing Loan Amount (coverage) and proposed insured (borrowers) - Due Diligence Vendor-06/17/2024 | Ready for Review-Document Uploaded. - Seller-06/25/2024 <br>Ready for Review-Document Uploaded. - Seller-06/19/2024<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-06/27/2024<br>| XXXX |  |  | CA | Investment | Purchase | NA | 1841360 | N/A | N/A |
| XXXX | xxxxxx4032 |  |  | Closed | 2024-06-18 17:29 | 2024-07-03 19:37 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Monthly Principal & Interest is missing or inaccurate | Resolved-Updated Note provided in Missing Note condition. Interest Only Terms match FCD and PCCD. - Due Diligence Vendor-07/03/2024 <br> Ready for Review-The corrected note that was uploaded on the 28th matches the terms reflected on the final CD. - Seller-07/01/2024 <br> Open-Final CD XXXX and Post Close CD XXXX reflect 10 Interest Only which does not match Note. Note does not reflect Interest Only payment. - Due Diligence Vendor-06/18/2024 | Ready for Review-The corrected note that was uploaded on the 28th matches the terms reflected on the final CD. - Seller-07/01/2024<br>| Resolved-Updated Note provided in Missing Note condition. Interest Only Terms match FCD and PCCD. - Due Diligence Vendor-07/03/2024<br>|  |  |  | CA | Investment | Purchase | NA | 1849962 | N/A | N/A |
| XXXX | xxxxxx4032 |  |  | Closed | 2024-06-17 09:51 | 2024-06-20 15:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-USA Patriot Act Disclosure uploaded with 'State Issued Driver License' details, verified & entered in system - Resolved. - Due Diligence Vendor-06/20/2024 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-06/20/2024 <br>Ready for Review-See attached. - Seller-06/19/2024 <br>Open-Borrower 1 Citizenship Documentation Is Missing US Patriot Act missing from file. Borrower ID missing from file. <br> - Due Diligence Vendor-06/17/2024 | Ready for Review-See attached. - Seller-06/19/2024<br>| Resolved-USA Patriot Act Disclosure uploaded with 'State Issued Driver License' details, verified & entered in system - Resolved. - Due Diligence Vendor-06/20/2024 <br>Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-06/20/2024<br>| XXXX |  |  | CA | Investment | Purchase | NA | 1841303 | N/A | N/A |
| XXXX | xxxxxx4110 |  |  | Closed | 2024-06-27 12:13 | 2024-07-11 16:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-OK to use - Due Diligence Vendor-07/11/2024 <br>Ready for Review-this was just a snippet of pg. 4 of the final cd signed at closing provided with the original loan package upload. we do not use a separate escrow waiver since the borrower acknowledges on the final CD please clear suspense thank you. - Seller-07/10/2024 <br>Counter-Doc is not complete came over cut off - Due Diligence Vendor-07/05/2024 <br>Ready for Review-Document Uploaded. - Seller-07/02/2024 <br>Open-Request to provide Escrow Waiver document as it is missing in file, Taxes and Insurance is not escrowed. - Due Diligence Vendor-06/27/2024 | Ready for Review-this was just a snippet of pg. 4 of the final cd signed at closing provided with the original loan package upload. we do not use a separate escrow waiver since the borrower acknowledges on the final CD please clear suspense thank you. - Seller-07/10/2024 <br>Ready for Review-Document Uploaded. - Seller-07/02/2024<br>| Resolved-OK to use - Due Diligence Vendor-07/11/2024<br>| XXXX |  |  | FL | Investment | Purchase | NA | 1895516 | N/A | N/A |
| XXXX | xxxxx9804 |  |  | Closed | 2024-11-21 20:49 | 2024-11-26 16:47 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-consent form provided - Due Diligence Vendor-11/26/2024 <br>Ready for Review-Document Uploaded. - Seller-11/22/2024 <br>Open-Provide the E-sign document - Due Diligence Vendor-11/21/2024 | Ready for Review-Document Uploaded. - Seller-11/22/2024<br>| Resolved-consent form provided - Due Diligence Vendor-11/26/2024<br>| XXXX |  |  | TX | Investment | Purchase | NA | 2860176 | N/A | N/A |
| XXXX | xxxxx1594 |  |  | Closed | 2025-01-10 14:39 | 2025-01-10 14:43 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 395 and the Final Closing disclosure on page 274 reflects escrows. Rate lock date was entered correctly – see page 400. An interior and exterior appraisal was completed for this property – see page 12, the appraisal disclosure was provided to the borrower(s)- see Disc Finding page 117 and copy of the appraisal was given to the borrower – see page 267. The loan meets HPML guidelines. - Due Diligence Vendor-01/10/2025 <br>Open-The loan's (9.893%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/10/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 395 and the Final Closing disclosure on page 274 reflects escrows. Rate lock date was entered correctly – see page 400. An interior and exterior appraisal was completed for this property – see page 12, the appraisal disclosure was provided to the borrower(s)- see Disc Finding page 117 and copy of the appraisal was given to the borrower – see page 267. The loan meets HPML guidelines. - Due Diligence Vendor-01/10/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3180393 | N/A | N/A |
| XXXX | xxxxx1594 |  |  | Closed | 2024-12-26 13:13 | 2025-01-10 14:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD dated 12/05/2024 and related COC received - Due Diligence Vendor-01/10/2025 <br>Ready for Review-Document Uploaded. - Seller-01/08/2025 <br>Counter-Provide Revised CD dated 12/05/2024 and related COC - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, any related COC's and Disclosure Tracking Summary - Due Diligence Vendor-12/26/2024 | Ready for Review-Document Uploaded. - Seller-01/08/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Resolved-Revised CD dated 12/05/2024 and related COC received - Due Diligence Vendor-01/10/2025<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | 3082693 | N/A | N/A |
| XXXX | xxxxx1594 |  |  | Closed | 2024-12-19 07:54 | 2024-12-26 13:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE Received - Due Diligence Vendor-12/26/2024 <br>Open-Provide Initial Loan Estimate - Due Diligence Vendor-12/19/2024 |  | XXXX |  |  |  | SC | Primary Residence | Purchase | NA | 3040630 | N/A | N/A |
| XXXX | xxxxx1594 |  |  | Closed | 2024-12-19 06:23 | 2024-12-26 13:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 received - Due Diligence Vendor-12/26/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/26/2024 <br>Open-The Initial 1003 is Missing Provide Initial 1003 - Due Diligence Vendor-12/19/2024 |  | Resolved-Initial 1003 received - Due Diligence Vendor-12/26/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/26/2024<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3040352 | N/A | N/A |
| XXXX | xxxxx1594 |  |  | Closed | 2024-12-23 16:57 | 2024-12-26 13:08 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-ABA Received - Due Diligence Vendor-12/26/2024 <br>Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-12/23/2024 |  | Resolved-ABA Received - Due Diligence Vendor-12/26/2024<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3068450 | N/A | N/A |
| XXXX | xxxxx1594 |  |  | Closed | 2024-12-23 16:58 | 2024-12-26 13:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure received - Due Diligence Vendor-12/26/2024 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/26/2024 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-12/23/2024 |  | Resolved-Homeownership Counseling Disclosure received - Due Diligence Vendor-12/26/2024 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/26/2024<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3068452 | N/A | N/A |
| XXXX | xxxxx1594 |  |  | Closed | 2024-12-23 16:57 | 2024-12-26 13:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit received - Due Diligence Vendor-12/26/2024 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/26/2024 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-12/23/2024 |  | Resolved-Home Loan Toolkit received - Due Diligence Vendor-12/26/2024 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-12/26/2024<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3068445 | N/A | N/A |
| XXXX | xxxxx1594 |  |  | Closed | 2024-12-19 07:52 | 2024-12-26 13:01 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-12/26/2024 <br>Ready for Review-Document Uploaded. - Seller-12/23/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. - Seller-12/23/2024<br>| Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-12/26/2024<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | 3040622 | N/A | N/A |
| XXXX | xxxxx1594 |  |  | Closed | 2024-12-23 16:11 | 2024-12-26 13:00 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/26/2024 <br>Ready for Review-Document Uploaded. - Seller-12/23/2024 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/23/2024 | Ready for Review-Document Uploaded. - Seller-12/23/2024<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-12/26/2024<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | 3067677 | N/A | N/A |
| XXXX | xxxxx1445 |  |  | Closed | 2025-01-03 18:00 | 2025-01-03 18:15 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _314___ and the Final Closing disclosure on Pg#'s _185___ reflects escrows. Rate lock date was entered correctly – see Pg#'s ___330__ An interior and exterior appraisal was completed for this property – see pg _23___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_Findings__ , and copy of the appraisal was given to the borrower – see Pg#'s __175___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/03/2025 <br>Open-The loan's (9.941%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-01/03/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _314___ and the Final Closing disclosure on Pg#'s _185___ reflects escrows. Rate lock date was entered correctly – see Pg#'s ___330__ An interior and exterior appraisal was completed for this property – see pg _23___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_Findings__ , and copy of the appraisal was given to the borrower – see Pg#'s __175___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/03/2025<br>|  |  |  | WA | Primary Residence | Purchase | NA | 3134205 | N/A | N/A |
| XXXX | xxxxx1445 |  |  | Closed | 2024-12-18 13:04 | 2025-01-03 18:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE provided - Due Diligence Vendor-01/03/2025 <br>Open-Initial Loan Estimate missing from file. - Due Diligence Vendor-12/18/2024 |  | Resolved-Initial LE provided - Due Diligence Vendor-01/03/2025<br>|  |  |  | WA | Primary Residence | Purchase | NA | 3030334 | N/A | N/A |
| XXXX | xxxxx1445 |  |  | Closed | 2024-12-18 13:11 | 2025-01-03 18:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-closing disclosure provided - Due Diligence Vendor-01/03/2025 <br>Ready for Review-Document Uploaded. - Seller-01/02/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure missing from file. - Due Diligence Vendor-12/18/2024 | Ready for Review-Document Uploaded. - Seller-01/02/2025<br>| Resolved-closing disclosure provided - Due Diligence Vendor-01/03/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 3030408 | N/A | N/A |
| XXXX | xxxxx1445 |  |  | Closed | 2024-12-18 13:04 | 2025-01-03 18:03 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-intent to proceed provided - Due Diligence Vendor-01/03/2025 <br>Ready for Review-Document Uploaded. - Seller-01/02/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed missing from file. - Due Diligence Vendor-12/18/2024 | Ready for Review-Document Uploaded. - Seller-01/02/2025<br>| Resolved-intent to proceed provided - Due Diligence Vendor-01/03/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 3030337 | N/A | N/A |
| XXXX | xxxxx1445 |  |  | Closed | 2025-01-03 18:00 | 2025-01-03 18:03 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-resolved - Due Diligence Vendor-01/03/2025 <br>Open-The disclosed finance charge ($747,581.85) is ($450.00) below the actual finance charge($748,031.85). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) open - Due Diligence Vendor-01/03/2025 |  | Resolved-resolved - Due Diligence Vendor-01/03/2025<br>|  |  |  | WA | Primary Residence | Purchase | NA | 3134204 | N/A | N/A |
| XXXX | xxxxx1445 |  |  | Closed | 2024-12-18 13:05 | 2025-01-03 17:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/03/2025 <br>Open-Homeownership Counseling Disclosure Is Missing from file.<br> - Due Diligence Vendor-12/18/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/03/2025<br>|  |  |  | WA | Primary Residence | Purchase | NA | 3030348 | N/A | N/A |
| XXXX | xxxxx1445 |  |  | Closed | 2024-12-18 13:06 | 2025-01-03 17:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/03/2025 <br>Open-Home Loan toolkit missing from file. - Due Diligence Vendor-12/18/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/03/2025<br>|  |  |  | WA | Primary Residence | Purchase | NA | 3030357 | N/A | N/A |
| XXXX | xxxxx1445 |  |  | Closed | 2024-12-24 00:34 | 2025-01-03 17:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/03/2025 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-12/24/2024 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/03/2025<br>|  |  |  | WA | Primary Residence | Purchase | NA | 3072858 | N/A | N/A |
| XXXX | xxxxx1445 |  |  | Closed | 2024-12-24 01:34 | 2025-01-03 17:31 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-signature document was received - Due Diligence Vendor-01/03/2025 <br>Ready for Review-Document Uploaded. - Seller-01/02/2025 <br>Open-provide the E-signature document - Due Diligence Vendor-12/24/2024 | Ready for Review-Document Uploaded. - Seller-01/02/2025<br>| Resolved-E-signature document was received - Due Diligence Vendor-01/03/2025<br>| XXXX |  |  | WA | Primary Residence | Purchase | NA | 3072999 | N/A | N/A |
| XXXX | xxxxx1465 |  |  | Closed | 2025-01-06 13:15 | 2025-01-06 13:21 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _387___ and the Final Closing disclosure on Pg#'s _242___ reflects escrows. Rate lock date was entered correctly – see Pg#'s ___409__ An interior and exterior appraisal was completed for this property – see pg _154___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__135_ , and copy of the appraisal was given to the borrower – see Pg#'s ___137__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/06/2025 <br>Open-The loan's (9.614%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) The loan's (9.614%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." - Due Diligence Vendor-01/06/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _387___ and the Final Closing disclosure on Pg#'s _242___ reflects escrows. Rate lock date was entered correctly – see Pg#'s ___409__ An interior and exterior appraisal was completed for this property – see pg _154___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__135_ , and copy of the appraisal was given to the borrower – see Pg#'s ___137__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/06/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 3141957 | N/A | N/A |
| XXXX | xxxxx1465 |  |  | Closed | 2024-12-17 13:36 | 2025-01-06 13:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE provided - Due Diligence Vendor-01/06/2025 <br>Open-Initial Loan Estimate missing from file. - Due Diligence Vendor-12/17/2024 |  | Resolved-Initial LE provided - Due Diligence Vendor-01/06/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 3020524 | N/A | N/A |
| XXXX | xxxxx1465 |  |  | Closed | 2025-01-06 13:15 | 2025-01-06 13:19 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-01/06/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Processing Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-01/06/2025 |  | Resolved- - Due Diligence Vendor-01/06/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 3141955 | N/A | N/A |
| XXXX | xxxxx1465 |  |  | Closed | 2025-01-06 13:15 | 2025-01-06 13:19 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved- - Due Diligence Vendor-01/06/2025 <br>Open-There are ($225.00) of fees paid to the lender disclosed under Loan Estimate Section C "Services You Can Shop For" or Closing Disclosure Section B "Services Borrower Did Shop For". Under Regulation Z, charges included under Section C on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer can shop and did shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(3); 12 CFR 1026.38(f)(3)) - Due Diligence Vendor-01/06/2025 |  | Resolved- - Due Diligence Vendor-01/06/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 3141956 | N/A | N/A |
| XXXX | xxxxx1465 |  |  | Closed | 2024-12-17 13:36 | 2025-01-06 13:14 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP provided - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed missing from file. - Due Diligence Vendor-12/17/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Resolved-ITP provided - Due Diligence Vendor-01/06/2025<br>| XXXX |  |  | VA | Primary Residence | Purchase | NA | 3020528 | N/A | N/A |
| XXXX | xxxxx1465 |  |  | Closed | 2024-12-20 15:41 | 2025-01-06 13:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/06/2025 <br>Open-The Initial 1003 is Missing Missing initial 1003 signed and dated by borrower and loan officer - Due Diligence Vendor-12/20/2024 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/06/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 3054381 | N/A | N/A |
| XXXX | xxxxx1465 |  |  | Closed | 2024-12-17 13:36 | 2025-01-06 13:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/06/2025 <br>Open-Homeownership Counseling Disclosure Is Missing from file. - Due Diligence Vendor-12/17/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/06/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 3020525 | N/A | N/A |
| XXXX | xxxxx1465 |  |  | Closed | 2024-12-17 13:36 | 2025-01-06 13:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/06/2025 <br>Open-Home Loan toolkit missing from file. - Due Diligence Vendor-12/17/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/06/2025<br>|  |  |  | VA | Primary Residence | Purchase | NA | 3020530 | N/A | N/A |
| XXXX | xxxxx1465 |  |  | Closed | 2024-12-20 15:42 | 2025-01-06 13:06 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved- - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-Econsent form is missing in file - Due Diligence Vendor-12/20/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>|  | XXXX |  |  | VA | Primary Residence | Purchase | NA | 3054397 | N/A | N/A |
| XXXX | xxxxx1418 |  |  | Closed | 2024-12-31 20:01 | 2025-01-04 23:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided revised LE issued 11/21. Finding resolved. - Due Diligence Vendor-01/04/2025 <br>Ready for Review-Document Uploaded. - Seller-01/02/2025 <br>Open-Please provide Revised LE issued 11/21. Unable to open pdf provided in Initial CD condition. Will run Mavent once received. - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. - Seller-01/02/2025<br>| Resolved-Lender provided revised LE issued 11/21. Finding resolved. - Due Diligence Vendor-01/04/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 3115924 | N/A | N/A |
| XXXX | xxxxx1418 |  |  | Closed | 2024-12-18 05:07 | 2024-12-31 20:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided missing Initial CD. Finding resolved. - Due Diligence Vendor-12/31/2024 <br>Ready for Review-Document Uploaded. - Seller-12/27/2024 <br>Open-TRID: Missing Closing Disclosure Initial CD is missing in file, hence Mavent Not performed - Due Diligence Vendor-12/18/2024 | Ready for Review-Document Uploaded. - Seller-12/27/2024<br>| Resolved-Lender provided missing Initial CD. Finding resolved. - Due Diligence Vendor-12/31/2024<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 3028986 | N/A | N/A |
| XXXX | xxxxx1418 |  |  | Closed | 2024-12-19 20:00 | 2024-12-31 19:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/31/2024 <br>Resolved-Lender provided fully executed initial disclosure package including Initial 1003. Finding resolved. - Due Diligence Vendor-12/31/2024 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-12/19/2024 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-12/31/2024 <br>Resolved-Lender provided fully executed initial disclosure package including Initial 1003. Finding resolved. - Due Diligence Vendor-12/31/2024<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3047946 | N/A | N/A |
| XXXX | xxxxx1418 |  |  | Closed | 2024-12-19 19:54 | 2024-12-31 19:51 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-Lender provided fully executed initial disclosure package including written service provider list. Finding resolved. - Due Diligence Vendor-12/31/2024 <br>Open-Missing Written Settlement Services Provider List relevant to Initial LE and Application date. - Due Diligence Vendor-12/19/2024 |  | Resolved-Lender provided fully executed initial disclosure package including written service provider list. Finding resolved. - Due Diligence Vendor-12/31/2024<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3047863 | N/A | N/A |
| XXXX | xxxxx1418 |  |  | Closed | 2024-12-18 05:08 | 2024-12-31 19:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided fully executed initial disclosure package including initial LE. Finding resolved. - Due Diligence Vendor-12/31/2024 <br>Open-Initial loan Estimate is missing in file, hence Mavent Not performed - Due Diligence Vendor-12/18/2024 |  | Resolved-Lender provided fully executed initial disclosure package including initial LE. Finding resolved. - Due Diligence Vendor-12/31/2024<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3028988 | N/A | N/A |
| XXXX | xxxxx1418 |  |  | Closed | 2024-12-18 05:06 | 2024-12-31 19:50 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Lender provided fully executed initial disclosure package including ABA. Finding resolved. - Due Diligence Vendor-12/31/2024 <br>Open-Affiliated Business Arrangement Disclosure is missing in file - Due Diligence Vendor-12/18/2024 |  | Resolved-Lender provided fully executed initial disclosure package including ABA. Finding resolved. - Due Diligence Vendor-12/31/2024<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3028984 | N/A | N/A |
| XXXX | xxxxx1418 |  |  | Closed | 2024-12-18 05:05 | 2024-12-31 19:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Lender provided fully executed initial disclosure package including housing counselor list. Finding resolved. - Due Diligence Vendor-12/31/2024 <br>Open-Homeownership Counseling Disclosure Is Missing in file - Due Diligence Vendor-12/18/2024 |  | Resolved-Lender provided fully executed initial disclosure package including housing counselor list. Finding resolved. - Due Diligence Vendor-12/31/2024<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3028979 | N/A | N/A |
| XXXX | xxxxx1418 |  |  | Closed | 2024-12-18 05:05 | 2024-12-31 19:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Lender provided fully executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-12/31/2024 <br>Open-Consumer Caution/ Home loan toolkit is missing in file - Due Diligence Vendor-12/18/2024 |  | Resolved-Lender provided fully executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-12/31/2024<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3028982 | N/A | N/A |
| XXXX | xxxxx1418 |  |  | Closed | 2024-12-18 05:06 | 2024-12-31 19:47 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Lender provided fully executed initial disclosure package including intent to proceed. Finding resolved. - Due Diligence Vendor-12/31/2024 <br>Ready for Review-Document Uploaded. - Seller-12/27/2024 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed missing in file - Due Diligence Vendor-12/18/2024 | Ready for Review-Document Uploaded. - Seller-12/27/2024<br>| Resolved-Lender provided fully executed initial disclosure package including intent to proceed. Finding resolved. - Due Diligence Vendor-12/31/2024<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 3028983 | N/A | N/A |
| XXXX | xxxxx1418 |  |  | Closed | 2024-12-18 04:20 | 2024-12-30 06:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-3 additional months reserves utilized for housing history. - Due Diligence Vendor-12/30/2024 <br>Resolved-Validation Resolved' - Due Diligence Vendor-12/30/2024 <br>Ready for Review-Extra 3 months reserves utilized. - Seller-12/27/2024 <br>Open-VOR/VOM Doc Status should not be 'Missing'. Borrower lives rent and there is no VOR or relevant document to validate Housing History. - Due Diligence Vendor-12/18/2024 | Ready for Review-Extra 3 months reserves utilized. - Seller-12/27/2024<br>| Resolved-3 additional months reserves utilized for housing history. - Due Diligence Vendor-12/30/2024 <br>Resolved-Validation Resolved' - Due Diligence Vendor-12/30/2024<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3028814 | N/A | N/A |
| XXXX | xxxxx1418 |  |  | Closed | 2024-12-18 05:04 | 2024-12-19 19:48 | Waived | 2 - Non-Material B | Credit | Credit | Residual income requirement not met. | Waived-Approved Exception in file, pg 212, for Min Residual Income: Required residual Income per GL is $2250, Actual Residual income in file is $2038.22 does not meet GL requirements. Finding waived. - Due Diligence Vendor-12/18/2024 |  | Waived-Approved Exception in file, pg 212, for Min Residual Income: Required residual Income per GL is $2250, Actual Residual income in file is $2038.22 does not meet GL requirements. Finding waived. - Due Diligence Vendor-12/18/2024<br>|  |  | Qual Score >20 points above min: Min fico per Matrix is 700, provided fico is 775 which is above the Min fico<br> Months Reserves > 3 above min: Required reserves per Matrix is 6, Actual reserves are 17<br> Borrower Contribution >5% above min: Min Borrower contribution per GL is 10%, loan has >5% | OH | Primary Residence | Purchase | NA | 3028978 | Originator Pre-Close | Yes |
| XXXX | xxxxx1418 |  |  | Closed | 2025-01-04 23:35 | 2025-01-04 23:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.61%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 201 and the Final Closing disclosure on Pg. 127 reflects escrows. Rate lock date was entered correctly – see Pg. 218. An interior and exterior appraisal was completed for this property – see Pg. 47, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 64 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. <br> - Due Diligence Vendor-01/04/2025 |  | Resolved-The loan's (8.61%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 201 and the Final Closing disclosure on Pg. 127 reflects escrows. Rate lock date was entered correctly – see Pg. 218. An interior and exterior appraisal was completed for this property – see Pg. 47, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 64 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. <br> - Due Diligence Vendor-01/04/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3139540 | N/A | N/A |
| XXXX | xxxxx0165 |  |  | Closed | 2025-01-05 12:58 | 2025-01-17 02:34 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided all relevant disclosures and COCs for fee increases. Finding resolved. - Due Diligence Vendor-01/17/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-01/17/2025 <br> Resolved-Lender provided Revised CDs and COCs for increases. Will run Mavent once Initial CD issued XXXX. Finding resolved. - Due Diligence Vendor-01/14/2025 <br> Ready for Review-Document Uploaded. - Seller-01/10/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Points - Loan Discount Fee first came in Revised LE dated XXXX with $1,608 which increased up to $3,039.35 in Final CD dated XXXX, for which we do not have COC in file, Provide valid COC. - Due Diligence Vendor-01/05/2025 | Ready for Review-Document Uploaded. - Seller-01/10/2025<br>| Resolved-Lender provided all relevant disclosures and COCs for fee increases. Finding resolved. - Due Diligence Vendor-01/17/2025 <br> Resolved-Lender provided Revised CDs and COCs for increases. Will run Mavent once Initial CD issued XXXX. Finding resolved. - Due Diligence Vendor-01/14/2025 | XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3139886 | N/A | N/A |
| XXXX | xxxxx0165 |  |  | Closed | 2025-01-05 13:10 | 2025-01-17 02:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided Initial CD. Finding resolved. - Due Diligence Vendor-01/17/2025 <br> Ready for Review-Document Uploaded. - Seller-01/15/2025 <br> Counter-Please provide Initial CD issued XXXX as confirmed via Disclosure tracking provided. Finding countered. - Due Diligence Vendor-01/14/2025 <br> Ready for Review-Document Uploaded. - Seller-01/10/2025 <br> Open-TRID: Missing Closing Disclosure Initial CD dated XXXX on page #484 is not signed, Provide signed Initial CD. - Due Diligence Vendor-01/05/2025 | Ready for Review-Document Uploaded. - Seller-01/15/2025 <br>Ready for Review-Document Uploaded. - Seller-01/10/2025<br>| Resolved-Lender provided Initial CD. Finding resolved. - Due Diligence Vendor-01/17/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3139904 | N/A | N/A |
| XXXX | xxxxx0165 |  |  | Closed | 2025-01-05 13:07 | 2025-01-14 16:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Lender provided approved exception for Min Subject Months Reserves for loan file is 1 month. Guideline requirement is 3 months. Finding waived. - Due Diligence Vendor-01/14/2025 <br> Ready for Review-Document Uploaded. - Seller-01/10/2025 <br> Open-Audited Reserves of 1.65 month(s) are less than Guideline Required Reserves of 3 month(s) Provide the proof of EMD for $XXXX so that we will have sufficient reserves. - Due Diligence Vendor-01/05/2025 | Ready for Review-Document Uploaded. - Seller-01/10/2025<br>| Waived-Lender provided approved exception for Min Subject Months Reserves for loan file is 1 month. Guideline requirement is 3 months. Finding waived. - Due Diligence Vendor-01/14/2025<br>| XXXX |  | Residual Income Significantly above Min - Loan file - $5862.21, GL - $1800<br> Guideline FICO - Loan File - 711, GL - 700<br> DTI - Loan File - 47.38%, Guideline - 50% | NJ | Primary Residence | Purchase | NA | 3139899 | Originator Post-Close | Yes |
| XXXX | xxxxx0165 |  |  | Closed | 2025-01-05 12:58 | 2025-01-17 02:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.518%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) "TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 628 and the Final Closing disclosure on Pg#'s 465 reflects escrows. Rate lock date was entered correctly – see Pg#'s 666 An interior and exterior appraisal was completed for this property – see pg 52, the appraisal disclosure was provided to the borrower(s)- see Pg#'86, and copy of the appraisal was given to the borrower – see Pg#'s 45 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-01/17/2025 <br>Resolved-The loan's (10.518%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) "TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 628 and the Final Closing disclosure on Pg#'s 465 reflects escrows. Rate lock date was entered correctly – see Pg#'s 666 An interior and exterior appraisal was completed for this property – see pg 52, the appraisal disclosure was provided to the borrower(s)- see Pg#'86, and copy of the appraisal was given to the borrower – see Pg#'s 45 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/17/2025 <br>Resolved-The loan's (10.518%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) "TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 628 and the Final Closing disclosure on Pg#'s 465 reflects escrows. Rate lock date was entered correctly – see Pg#'s 666 An interior and exterior appraisal was completed for this property – see pg 52, the appraisal disclosure was provided to the borrower(s)- see Pg#'86, and copy of the appraisal was given to the borrower – see Pg#'s 45 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-01/05/2025 |  | Resolved-The loan's (10.518%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) "TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 628 and the Final Closing disclosure on Pg#'s 465 reflects escrows. Rate lock date was entered correctly – see Pg#'s 666 An interior and exterior appraisal was completed for this property – see pg 52, the appraisal disclosure was provided to the borrower(s)- see Pg#'86, and copy of the appraisal was given to the borrower – see Pg#'s 45 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-01/17/2025 <br>Resolved-The loan's (10.518%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) "TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 628 and the Final Closing disclosure on Pg#'s 465 reflects escrows. Rate lock date was entered correctly – see Pg#'s 666 An interior and exterior appraisal was completed for this property – see pg 52, the appraisal disclosure was provided to the borrower(s)- see Pg#'86, and copy of the appraisal was given to the borrower – see Pg#'s 45 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/17/2025 <br>Resolved-The loan's (10.518%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) "TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 628 and the Final Closing disclosure on Pg#'s 465 reflects escrows. Rate lock date was entered correctly – see Pg#'s 666 An interior and exterior appraisal was completed for this property – see pg 52, the appraisal disclosure was provided to the borrower(s)- see Pg#'86, and copy of the appraisal was given to the borrower – see Pg#'s 45 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-01/05/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3139889 | N/A | N/A |
| XXXX | xxxxx0852 |  |  | Closed | 2024-12-16 09:34 | 2025-01-07 03:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/07/2025 <br>Resolved-Lender provided executed initial disclosure package including initial 1003. Finding resolved. - Due Diligence Vendor-01/07/2025 <br>Open-The Initial 1003 is Missing Initial 1003 is Missing from file. - Due Diligence Vendor-12/16/2024 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/07/2025 <br>Resolved-Lender provided executed initial disclosure package including initial 1003. Finding resolved. - Due Diligence Vendor-01/07/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3009419 | N/A | N/A |
| XXXX | xxxxx0852 |  |  | Closed | 2024-12-16 11:46 | 2025-01-07 03:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/07/2025 <br>Resolved-Lender provided executed initial disclosure package including housing counselor list. Finding resolved. - Due Diligence Vendor-01/07/2025 <br>Open-Homeownership Counseling Disclosure Is Missing from file. - Due Diligence Vendor-12/16/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/07/2025 <br>Resolved-Lender provided executed initial disclosure package including housing counselor list. Finding resolved. - Due Diligence Vendor-01/07/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3009785 | N/A | N/A |
| XXXX | xxxxx0852 |  |  | Closed | 2024-12-16 11:47 | 2025-01-07 03:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/07/2025 <br>Resolved-Lender provided executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-01/07/2025 <br>Open-HomeLoan toolkit is missing from file. - Due Diligence Vendor-12/16/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/07/2025 <br>Resolved-Lender provided executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-01/07/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3009801 | N/A | N/A |
| XXXX | xxxxx0852 |  |  | Closed | 2024-12-16 11:47 | 2025-01-07 03:42 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Lender provided executed initial disclosure package including ABA. Finding resolved. - Due Diligence Vendor-01/07/2025 <br>Open-Affiliated Business Arrangement Disclosure Statement or Privacy Disclosure is Missing from file.<br> - Due Diligence Vendor-12/16/2024 |  | Resolved-Lender provided executed initial disclosure package including ABA. Finding resolved. - Due Diligence Vendor-01/07/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3009794 | N/A | N/A |
| XXXX | xxxxx0852 |  |  | Closed | 2024-12-16 11:48 | 2025-01-07 03:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided executed initial disclosure package including initial LE. Finding resolved. - Due Diligence Vendor-01/07/2025 <br>Open-Initial Loan Estimate missing from file. - Due Diligence Vendor-12/16/2024 |  | Resolved-Lender provided executed initial disclosure package including initial LE. Finding resolved. - Due Diligence Vendor-01/07/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3009805 | N/A | N/A |
| XXXX | xxxxx0852 |  |  | Closed | 2024-12-16 11:47 | 2025-01-07 03:41 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Lender provided executed initial disclosure package including intent to proceed. Finding resolved. - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed missing from file. - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Resolved-Lender provided executed initial disclosure package including intent to proceed. Finding resolved. - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3009796 | N/A | N/A |
| XXXX | xxxxx0852 |  |  | Closed | 2024-12-16 11:49 | 2025-01-07 03:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided revised LE, Initial CD and Disclosure tracking. Finding resolved. - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure missing from file. - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Resolved-Lender provided revised LE, Initial CD and Disclosure tracking. Finding resolved. - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3009808 | N/A | N/A |
| XXXX | xxxxx0852 |  |  | Closed | 2024-12-16 11:05 | 2025-01-06 08:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-PUD Rider is Missing from file. - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-01/06/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3009648 | N/A | N/A |
| XXXX | xxxxx0852 |  |  | Closed | 2024-12-16 09:43 | 2025-01-06 08:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-01/06/2025 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-The Deed of Trust is Missing Deed of Trust is Missing from file. - Due Diligence Vendor-12/16/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Resolved-Required Document provided, Changes Made in system, Finding Resolved - Due Diligence Vendor-01/06/2025 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/06/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3009431 | N/A | N/A |
| XXXX | xxxxx0852 |  |  | Closed | 2025-01-07 03:47 | 2025-01-07 03:47 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.986%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 533 and the Final Closing disclosure on Pg. 309 reflects escrows. Rate lock date was entered correctly – see Pg. 550. An interior and exterior appraisal was completed for this property – see Pg. 65, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 66for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. <br> - Due Diligence Vendor-01/07/2025 |  | Resolved-The loan's (8.986%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 533 and the Final Closing disclosure on Pg. 309 reflects escrows. Rate lock date was entered correctly – see Pg. 550. An interior and exterior appraisal was completed for this property – see Pg. 65, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 66for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. <br> - Due Diligence Vendor-01/07/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3150422 | N/A | N/A |
| XXXX | xxxxx1399 |  |  | Closed | 2025-01-13 15:12 | 2025-01-13 15:21 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 341 and the Final Closing disclosure on page 212 reflects escrows. Rate lock date was entered correctly – see page 385 An interior and exterior appraisal was completed for this property – see page 92, the appraisal disclosure was provided to the borrower(s)- see Disc Findings page 75 and copy of the appraisal was given to the borrower – see page 22. The loan meets HPML guidelines. - Due Diligence Vendor-01/13/2025 <br>Open-The loan's (10.504%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/13/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 341 and the Final Closing disclosure on page 212 reflects escrows. Rate lock date was entered correctly – see page 385 An interior and exterior appraisal was completed for this property – see page 92, the appraisal disclosure was provided to the borrower(s)- see Disc Findings page 75 and copy of the appraisal was given to the borrower – see page 22. The loan meets HPML guidelines. - Due Diligence Vendor-01/13/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3191304 | N/A | N/A |
| XXXX | xxxxx1399 |  |  | Closed | 2024-12-19 14:34 | 2025-01-13 15:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/13/2025 <br>Resolved- Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. - Seller-01/02/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, any related COC's and Disclosure Tracking Summary - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. - Seller-01/02/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/13/2025 <br>Resolved- Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-01/06/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3042584 | N/A | N/A |
| XXXX | xxxxx1399 |  |  | Closed | 2025-01-06 14:10 | 2025-01-13 15:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Revised Loan Estimate dated XXXX and related COC received - Due Diligence Vendor-01/13/2025 <br> Ready for Review-Document Uploaded. - Seller-01/10/2025 <br> Counter-Unable to open CC XXXX.PDF. Please reload - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. - Seller-01/07/2025 <br> Open-Provide Revised Loan Estimate dated XXXX and related COC's - Due Diligence Vendor-01/06/2025 | Ready for Review-Document Uploaded. - Seller-01/10/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-Revised Loan Estimate dated 11/14/2024 and related COC received - Due Diligence Vendor-01/13/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3142412 | N/A | N/A |
| XXXX | xxxxx1399 |  |  | Closed | 2024-12-18 05:43 | 2025-01-06 13:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial Loan Estimate received - Due Diligence Vendor-01/06/2025 <br>Open-Provide Initial Loan Estimate - Due Diligence Vendor-12/18/2024 |  | Resolved-Initial Loan Estimate received - Due Diligence Vendor-01/06/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3029074 | N/A | N/A |
| XXXX | xxxxx1399 |  |  | Closed | 2024-12-18 04:14 | 2025-01-06 13:49 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Initial 1003 received - Due Diligence Vendor-01/06/2025 <br>Open-Provide Initial 1003 - Due Diligence Vendor-12/18/2024 |  | Resolved-Initial 1003 received - Due Diligence Vendor-01/06/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3028770 | N/A | N/A |
| XXXX | xxxxx1399 |  |  | Closed | 2024-12-18 05:44 | 2025-01-06 13:33 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-ABA received - Due Diligence Vendor-01/06/2025 <br>Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-12/18/2024 |  | Resolved-ABA received - Due Diligence Vendor-01/06/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3029078 | N/A | N/A |
| XXXX | xxxxx1399 |  |  | Closed | 2024-12-18 05:44 | 2025-01-06 13:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit received - Due Diligence Vendor-01/06/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/06/2025 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-12/18/2024 |  | Resolved-Home Loan Toolkit received - Due Diligence Vendor-01/06/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/06/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3029080 | N/A | N/A |
| XXXX | xxxxx1399 |  |  | Closed | 2024-12-18 05:43 | 2025-01-06 13:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure received - Due Diligence Vendor-01/06/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/06/2025 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-12/18/2024 |  | Resolved-Homeownership Counseling Disclosure received - Due Diligence Vendor-01/06/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/06/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3029077 | N/A | N/A |
| XXXX | xxxxx1399 |  |  | Closed | 2024-12-18 05:44 | 2025-01-06 13:28 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. - Seller-01/02/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-12/18/2024 | Ready for Review-Document Uploaded. - Seller-01/02/2025<br>| Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-01/06/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3029079 | N/A | N/A |
| XXXX | xxxxx1399 |  |  | Closed | 2024-12-19 14:14 | 2025-01-06 13:27 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-ITIN borrower. WVOE and tax returns used. - Due Diligence Vendor-01/06/2025 <br>Ready for Review-ITIN borrower. WVOE and tax returns used. - Seller-01/02/2025 <br>Open-Borrower 1 Paystubs Missing Provide B1 YTD Paystub - Due Diligence Vendor-12/19/2024 | Ready for Review-ITIN borrower. WVOE and tax returns used. - Seller-01/02/2025<br>| Resolved-ITIN borrower. WVOE and tax returns used. - Due Diligence Vendor-01/06/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3042352 | N/A | N/A |
| XXXX | xxxxx1399 |  |  | Closed | 2024-12-19 14:14 | 2025-01-06 13:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Paystubs Missing | Resolved-ITIN borrower. WVOE and tax returns used. - Due Diligence Vendor-01/06/2025 <br>Ready for Review-ITIN. WVOE and returns used instead. - Seller-01/02/2025 <br>Open-Borrower 2 Paystubs Missing Provide B2 YTD Paystub - Due Diligence Vendor-12/19/2024 | Ready for Review-ITIN. WVOE and returns used instead. - Seller-01/02/2025<br>| Resolved-ITIN borrower. WVOE and tax returns used. - Due Diligence Vendor-01/06/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3042354 | N/A | N/A |
| XXXX | xxxxx1399 |  |  | Closed | 2024-12-19 13:59 | 2025-01-06 13:25 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Forms were received - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. - Seller-01/02/2025 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/19/2024 | Ready for Review-Document Uploaded. - Seller-01/02/2025<br>| Resolved-E-Sign Consent Forms were received - Due Diligence Vendor-01/06/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3042204 | N/A | N/A |
| XXXX | xxxxx1399 |  |  | Closed | 2024-12-18 05:50 | 2024-12-19 13:56 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Exception Approved<br> Exception Approval on XXXX on page 396<br> Exception Reason: Other- Loan File OT/Bonus < 2yrs, GL Requirement OT /Bonus = 2yrs<br> There was $0 overtime or bonus in 2022 on written VOE. Exception request is to allow 23 months average for bonus <br> and overtime income. - Due Diligence Vendor-12/18/2024 |  | Waived-Exception Approved<br> Exception Approval on XXXX on page 396<br> Exception Reason: Other- Loan File OT/Bonus < 2yrs, GL Requirement OT /Bonus = 2yrs<br> There was $0 overtime or bonus in 2022 on written VOE. Exception request is to allow 23 months average for bonus <br> and overtime income. - Due Diligence Vendor-12/18/2024 |  |  | Tradelines- Loan File 8 > 24 months, GL Requirement 2 > 24 months<br> Consumer Payment History- Loan File 0X30, 82 months, GL Requirement N/A<br> Residual Income - Loan File $4,215.71, GL Requirement Min $1500+$15082 Dependents= $1800. <br> Credit Score - Loan File 707, GL Requirement Min 700 | NJ | Primary Residence | Purchase | NA | 3029094 | Originator Pre-Close | Yes |
| XXXX | xxxxx1369 |  |  | Closed | 2024-12-17 12:31 | 2025-01-05 00:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided executed initial disclosure package including initial CD. Finding resolved. - Due Diligence Vendor-01/05/2025 <br>Ready for Review-Document Uploaded. - Seller-01/02/2025 <br>Open-TRID: Missing Closing Disclosure TRID: Initial Closing Disclosure is missing from file. - Due Diligence Vendor-12/17/2024 | Ready for Review-Document Uploaded. - Seller-01/02/2025<br>| Resolved-Lender provided executed initial disclosure package including initial CD. Finding resolved. - Due Diligence Vendor-01/05/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3020129 | N/A | N/A |
| XXXX | xxxxx1369 |  |  | Closed | 2024-12-17 12:33 | 2025-01-05 00:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided executed initial disclosure package including initial LE. Finding resolved. - Due Diligence Vendor-01/05/2025 <br>Open-TRID: Initial Loan Estimate is missing form file. - Due Diligence Vendor-12/17/2024 |  | Resolved-Lender provided executed initial disclosure package including initial LE. Finding resolved. - Due Diligence Vendor-01/05/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3020139 | N/A | N/A |
| XXXX | xxxxx1369 |  |  | Closed | 2024-12-18 02:11 | 2025-01-05 00:33 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-Lender provided executed initial disclosure package including Written service provider list. Finding resolved. - Due Diligence Vendor-01/05/2025 <br>Open-Written Settlement Services Provider List relevant to initial LE and application date is missing from file. - Due Diligence Vendor-12/18/2024 |  | Resolved-Lender provided executed initial disclosure package including Written service provider list. Finding resolved. - Due Diligence Vendor-01/05/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3028583 | N/A | N/A |
| XXXX | xxxxx1369 |  |  | Closed | 2024-12-18 02:34 | 2025-01-05 00:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Lender provided executed initial disclosure package including initial 1003. Finding resolved. - Due Diligence Vendor-01/05/2025 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-12/18/2024 |  | Resolved-Lender provided executed initial disclosure package including initial 1003. Finding resolved. - Due Diligence Vendor-01/05/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3028610 | N/A | N/A |
| XXXX | xxxxx1369 |  |  | Closed | 2024-12-17 12:36 | 2025-01-05 00:32 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Lender provided executed initial disclosure package including ABA. Finding resolved. - Due Diligence Vendor-01/05/2025 <br>Open-Affiliated Business Arrangement Disclosure Statement is Missing - Due Diligence Vendor-12/17/2024 |  | Resolved-Lender provided executed initial disclosure package including ABA. Finding resolved. - Due Diligence Vendor-01/05/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3020155 | N/A | N/A |
| XXXX | xxxxx1369 |  |  | Closed | 2024-12-17 12:37 | 2025-01-05 00:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Lender provided executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-01/05/2025 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-12/17/2024 |  | Resolved-Lender provided executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-01/05/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3020158 | N/A | N/A |
| XXXX | xxxxx1369 |  |  | Closed | 2024-12-17 12:36 | 2025-01-05 00:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Lender provided executed initial disclosure package including housing counselor list. Finding resolved. - Due Diligence Vendor-01/05/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-12/17/2024 |  | Resolved-Lender provided executed initial disclosure package including housing counselor list. Finding resolved. - Due Diligence Vendor-01/05/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3020153 | N/A | N/A |
| XXXX | xxxxx1369 |  |  | Closed | 2024-12-17 12:37 | 2025-01-05 00:31 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Lender provided executed initial disclosure package including intent to proceed. Finding resolved. - Due Diligence Vendor-01/05/2025 <br>Ready for Review-Document Uploaded. - Seller-01/02/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed - Due Diligence Vendor-12/17/2024 | Ready for Review-Document Uploaded. - Seller-01/02/2025<br>| Resolved-Lender provided executed initial disclosure package including intent to proceed. Finding resolved. - Due Diligence Vendor-01/05/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3020156 | N/A | N/A |
| XXXX | xxxxx1369 |  |  | Closed | 2025-01-05 00:53 | 2025-01-05 00:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.548%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 199 and the Final Closing disclosure on Pg. 98 reflects escrows. Rate lock date was entered correctly – see Pg. 204. An interior and exterior appraisal was completed for this property – see Pg. 13, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 143for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/05/2025 |  | Resolved-The loan's (9.548%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 199 and the Final Closing disclosure on Pg. 98 reflects escrows. Rate lock date was entered correctly – see Pg. 204. An interior and exterior appraisal was completed for this property – see Pg. 13, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 143for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/05/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3139573 | N/A | N/A |
| XXXX | xxxxx1466 |  |  | Closed | 2024-12-21 13:13 | 2025-01-09 17:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided revised LE. Finding resolved. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. - Seller-01/08/2025 <br> Counter-Document Uploaded. - Due Diligence Vendor-01/07/2025 <br> Counter-Please provide LE issued XXXX as provided in CD finding. Will run Mavent once received. Finding countered. - Due Diligence Vendor-01/07/2025 <br> Open-TRID: Initial Loan Estimate is missing from file. - Due Diligence Vendor-12/21/2024 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Resolved-Lender provided revised LE. Finding resolved. - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | UT | Primary Residence | Purchase | NA | 3061617 | N/A | N/A |
| XXXX | xxxxx1466 |  |  | Closed | 2024-12-26 18:20 | 2025-01-07 20:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Lender provided master insurance that confirmed Master covers walls in. Finding resolved. - Due Diligence Vendor-01/07/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. - Seller-01/06/2025 <br>Open-Missing Hazard Insurance Policy Please provide hazard insurance. Currently missing from file. - Due Diligence Vendor-12/26/2024 | Ready for Review-Document Uploaded. - Seller-01/06/2025<br>| Resolved-Lender provided master insurance that confirmed Master covers walls in. Finding resolved. - Due Diligence Vendor-01/07/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | UT | Primary Residence | Purchase | NA | 3086155 | N/A | N/A |
| XXXX | xxxxx1466 |  |  | Closed | 2024-12-21 13:13 | 2025-01-07 19:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided initial and revised CD pending revised LE before running Mavent. Finding resolved. - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. - Seller-01/06/2025 <br>Open-TRID: Missing Closing Disclosure TRID: Initial Closing Disclosure is missing from file. - Due Diligence Vendor-12/21/2024 | Ready for Review-Document Uploaded. - Seller-01/06/2025<br>| Resolved-Lender provided initial and revised CD pending revised LE before running Mavent. Finding resolved. - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | UT | Primary Residence | Purchase | NA | 3061615 | N/A | N/A |
| XXXX | xxxxx1466 |  |  | Closed | 2024-12-20 17:00 | 2025-01-07 19:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/07/2025 <br>Resolved-Lender provided fully executed initial disclosure package including Initial 1003. Finding resolved. <br> - Due Diligence Vendor-01/07/2025 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-12/20/2024 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/07/2025 <br>Resolved-Lender provided fully executed initial disclosure package including Initial 1003. Finding resolved. <br> - Due Diligence Vendor-01/07/2025<br>|  |  |  | UT | Primary Residence | Purchase | NA | 3055716 | N/A | N/A |
| XXXX | xxxxx1466 |  |  | Closed | 2024-12-21 14:41 | 2025-01-07 19:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/07/2025 <br>Resolved-Lender provided fully executed initial disclosure package including housing counselor list. Finding resolved. <br> - Due Diligence Vendor-01/07/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-12/21/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/07/2025 <br>Resolved-Lender provided fully executed initial disclosure package including housing counselor list. Finding resolved. <br> - Due Diligence Vendor-01/07/2025<br>|  |  |  | UT | Primary Residence | Purchase | NA | 3061715 | N/A | N/A |
| XXXX | xxxxx1466 |  |  | Closed | 2024-12-21 14:42 | 2025-01-07 19:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/07/2025 <br>Resolved-Lender provided fully executed initial disclosure package including home loan toolkit. Finding resolved. <br> - Due Diligence Vendor-01/07/2025 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-12/21/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/07/2025 <br>Resolved-Lender provided fully executed initial disclosure package including home loan toolkit. Finding resolved. <br> - Due Diligence Vendor-01/07/2025<br>|  |  |  | UT | Primary Residence | Purchase | NA | 3061717 | N/A | N/A |
| XXXX | xxxxx1466 |  |  | Closed | 2024-12-26 18:22 | 2025-01-07 19:34 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-Lender provided fully executed initial disclosure package including written service provider list. Finding resolved. <br> - Due Diligence Vendor-01/07/2025 <br>Open-Please provide Written Settlement Services Provider List relevant to Initial 1003 and Initial LE. - Due Diligence Vendor-12/26/2024 |  | Resolved-Lender provided fully executed initial disclosure package including written service provider list. Finding resolved. <br> - Due Diligence Vendor-01/07/2025<br>|  |  |  | UT | Primary Residence | Purchase | NA | 3086175 | N/A | N/A |
| XXXX | xxxxx1466 |  |  | Closed | 2024-12-21 14:42 | 2025-01-07 19:34 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Lender provided fully executed initial disclosure package including ABA. Finding resolved. <br> - Due Diligence Vendor-01/07/2025 <br>Open-Affiliated Business Arrangement Disclosure Statement is Missing - Due Diligence Vendor-12/21/2024 |  | Resolved-Lender provided fully executed initial disclosure package including ABA. Finding resolved. <br> - Due Diligence Vendor-01/07/2025<br>|  |  |  | UT | Primary Residence | Purchase | NA | 3061716 | N/A | N/A |
| XXXX | xxxxx1466 |  |  | Closed | 2024-12-21 14:42 | 2025-01-07 19:33 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Lender provided fully executed initial disclosure package including intent to proceed. Finding resolved. <br> - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. - Seller-01/06/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed - Due Diligence Vendor-12/21/2024 | Ready for Review-Document Uploaded. - Seller-01/06/2025<br>| Resolved-Lender provided fully executed initial disclosure package including intent to proceed. Finding resolved. <br> - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | UT | Primary Residence | Purchase | NA | 3061718 | N/A | N/A |
| XXXX | xxxxx1466 |  |  | Closed | 2025-01-09 17:49 | 2025-01-09 17:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.104%) APR equals or exceeds the Federal HPML threshold of (8.26%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.76%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 231 and the Final Closing disclosure on Pg. 117 reflects escrows. Rate lock date was entered correctly – see Pg. 243. An interior and exterior appraisal was completed for this property – see Pg. 29, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 149 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. <br> - Due Diligence Vendor-01/09/2025 |  | Resolved-The loan's (9.104%) APR equals or exceeds the Federal HPML threshold of (8.26%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.76%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 231 and the Final Closing disclosure on Pg. 117 reflects escrows. Rate lock date was entered correctly – see Pg. 243. An interior and exterior appraisal was completed for this property – see Pg. 29, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 149 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. <br> - Due Diligence Vendor-01/09/2025<br>|  |  |  | UT | Primary Residence | Purchase | NA | 3173589 | N/A | N/A |
| XXXX | xxxxx1632 |  |  | Closed | 2024-12-23 10:39 | 2025-01-07 14:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, any related COC's and Disclosure Tracking Summary - Due Diligence Vendor-12/23/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | 3064668 | N/A | N/A |
| XXXX | xxxxx1632 |  |  | Closed | 2024-12-23 10:37 | 2025-01-07 14:32 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Initial 1003 received - Due Diligence Vendor-01/07/2025 <br>Open-Provide executed Initial 1003.<br> - Due Diligence Vendor-12/23/2024 |  | Resolved-Initial 1003 received - Due Diligence Vendor-01/07/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3064653 | N/A | N/A |
| XXXX | xxxxx1632 |  |  | Closed | 2024-12-23 10:38 | 2025-01-07 14:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE Received - Due Diligence Vendor-01/07/2025 <br>Open-Provide Initial LE<br> - Due Diligence Vendor-12/23/2024 |  | Resolved-Initial LE Received - Due Diligence Vendor-01/07/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3064660 | N/A | N/A |
| XXXX | xxxxx1632 |  |  | Closed | 2024-12-23 10:38 | 2025-01-07 14:23 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-ABA received - Due Diligence Vendor-01/07/2025 <br>Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-12/23/2024 |  | Resolved-ABA received - Due Diligence Vendor-01/07/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3064657 | N/A | N/A |
| XXXX | xxxxx1632 |  |  | Closed | 2024-12-23 10:37 | 2025-01-07 14:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-HOC Received - Due Diligence Vendor-01/07/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/07/2025 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-12/23/2024 |  | Resolved-HOC Received - Due Diligence Vendor-01/07/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/07/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3064656 | N/A | N/A |
| XXXX | xxxxx1632 |  |  | Closed | 2024-12-23 10:37 | 2025-01-07 14:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit received - Due Diligence Vendor-01/07/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/07/2025 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-12/23/2024 |  | Resolved-Home Loan Toolkit received - Due Diligence Vendor-01/07/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/07/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3064654 | N/A | N/A |
| XXXX | xxxxx1632 |  |  | Closed | 2024-12-23 10:38 | 2025-01-07 14:18 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed received - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-12/23/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Resolved-Intent to Proceed received - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | 3064658 | N/A | N/A |
| XXXX | xxxxx1632 |  |  | Closed | 2024-12-27 12:28 | 2025-01-07 14:17 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/27/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | 3090942 | N/A | N/A |
| XXXX | xxxxx1632 |  |  | Closed | 2025-01-07 14:48 | 2025-01-07 14:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.868%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 418 and the Final Closing disclosure on page 279 reflects escrows. Rate lock date was entered correctly – see page 433. An interior and exterior appraisal was completed for this property – see page 12, the appraisal disclosure was provided to the borrower(s)- see Disc Finding pg 87 and copy of the appraisal was given to the borrower – see page 464. The loan meets HPML guidelines. - Due Diligence Vendor-01/07/2025 |  | Resolved-The loan's (9.868%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 418 and the Final Closing disclosure on page 279 reflects escrows. Rate lock date was entered correctly – see page 433. An interior and exterior appraisal was completed for this property – see page 12, the appraisal disclosure was provided to the borrower(s)- see Disc Finding pg 87 and copy of the appraisal was given to the borrower – see page 464. The loan meets HPML guidelines. - Due Diligence Vendor-01/07/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3152779 | N/A | N/A |
| XXXX | xxxxx1483 |  |  | Closed | 2025-01-09 16:24 | 2025-01-09 17:15 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Resolved- - Due Diligence Vendor-01/09/2025 <br>Open-Section 3:1-16.2 of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. 3:1-16.2) does not allow Document Preparation Fee (Fee ID: 104) to be charged to the Borrower in NJ. - Due Diligence Vendor-01/09/2025 |  | Resolved- - Due Diligence Vendor-01/09/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3172634 | N/A | N/A |
| XXXX | xxxxx1483 |  |  | Closed | 2025-01-09 16:24 | 2025-01-09 17:15 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 977 and the Final Closing disclosure on Pg. 711 reflects escrows. Rate lock date was entered correctly – see Pg. 1169. An interior and exterior appraisal was completed for this property – see Pg. 112, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 157 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/09/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 977 and the Final Closing disclosure on Pg. 711 reflects escrows. Rate lock date was entered correctly – see Pg. 1169. An interior and exterior appraisal was completed for this property – see Pg. 112, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 157 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/09/2025 <br>Open-The loan's (9.207%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) .<br> - Due Diligence Vendor-01/09/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 977 and the Final Closing disclosure on Pg. 711 reflects escrows. Rate lock date was entered correctly – see Pg. 1169. An interior and exterior appraisal was completed for this property – see Pg. 112, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 157 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/09/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 977 and the Final Closing disclosure on Pg. 711 reflects escrows. Rate lock date was entered correctly – see Pg. 1169. An interior and exterior appraisal was completed for this property – see Pg. 112, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 157 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/09/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3172635 | N/A | N/A |
| XXXX | xxxxx1483 |  |  | Closed | 2025-01-07 04:17 | 2025-01-09 16:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided revised LE issued XXXX. Finding resolved. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. - Seller-01/08/2025 <br> Open-Please provide revised LE issued XXXX as confirmed via Disclosure tracking provided in CD finding. Once received can run Mavent. - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Resolved-Lender provided revised LE issued 11/19. Finding resolved. - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3150446 | N/A | N/A |
| XXXX | xxxxx1483 |  |  | Closed | 2024-12-21 18:29 | 2025-01-07 04:20 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Lender provided updated Gap credit report. Finding resolved. - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-12/21/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Resolved-Lender provided updated Gap credit report. Finding resolved. - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3062030 | N/A | N/A |
| XXXX | xxxxx1483 |  |  | Closed | 2024-12-21 19:14 | 2025-01-07 04:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided executed initial CD. Finding resolved. - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure missing from file.<br> - Due Diligence Vendor-12/21/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Resolved-Lender provided executed initial CD. Finding resolved. - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3062108 | N/A | N/A |
| XXXX | xxxxx1483 |  |  | Closed | 2024-12-26 17:34 | 2025-01-07 04:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/07/2025 <br>Resolved-Lender provided executed initial disclosure package including initial 1003. Finding resolved. - Due Diligence Vendor-01/07/2025 <br>Open-The Initial 1003 is Missing Please provided fully executed Initial 1003. - Due Diligence Vendor-12/26/2024 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/07/2025 <br>Resolved-Lender provided executed initial disclosure package including initial 1003. Finding resolved. - Due Diligence Vendor-01/07/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3085603 | N/A | N/A |
| XXXX | xxxxx1483 |  |  | Closed | 2024-12-21 19:17 | 2025-01-07 04:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/07/2025 <br>Resolved-Lender provided executed initial disclosure package including housing counselor list. Finding resolved. - Due Diligence Vendor-01/07/2025 <br>Open-Homeownership Counseling Disclosure Is Missing from file. - Due Diligence Vendor-12/21/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/07/2025 <br>Resolved-Lender provided executed initial disclosure package including housing counselor list. Finding resolved. - Due Diligence Vendor-01/07/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3062116 | N/A | N/A |
| XXXX | xxxxx1483 |  |  | Closed | 2024-12-21 19:18 | 2025-01-07 04:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/07/2025 <br>Resolved-Lender provided executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-01/07/2025 <br>Open-Home Loan toolkit missing from file. - Due Diligence Vendor-12/21/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/07/2025 <br>Resolved-Lender provided executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-01/07/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3062119 | N/A | N/A |
| XXXX | xxxxx1483 |  |  | Closed | 2024-12-21 19:17 | 2025-01-07 04:06 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Lender provided executed initial disclosure package including ABA. Finding resolved. - Due Diligence Vendor-01/07/2025 <br>Open-Affiliated Business Arrangement Disclosure Statement or Privacy disclosure is Missing from file.<br> - Due Diligence Vendor-12/21/2024 |  | Resolved-Lender provided executed initial disclosure package including ABA. Finding resolved. - Due Diligence Vendor-01/07/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3062114 | N/A | N/A |
| XXXX | xxxxx1483 |  |  | Closed | 2024-12-21 19:15 | 2025-01-07 04:05 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Lender provided executed initial disclosure package including intent to proceed. Finding resolved. - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed missing from file. - Due Diligence Vendor-12/21/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Resolved-Lender provided executed initial disclosure package including intent to proceed. Finding resolved. - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3062110 | N/A | N/A |
| XXXX | xxxxx1483 |  |  | Closed | 2024-12-21 19:15 | 2025-01-07 04:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided executed initial disclosure package including initial LE. Finding resolved. - Due Diligence Vendor-01/07/2025 <br>Open-Initial Loan Estimate missing from file. - Due Diligence Vendor-12/21/2024 |  | Resolved-Lender provided executed initial disclosure package including initial LE. Finding resolved. - Due Diligence Vendor-01/07/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3062109 | N/A | N/A |
| XXXX | xxxxx1483 |  |  | Closed | 2024-12-21 19:09 | 2024-12-26 17:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 2.07 month(s) are less than Guideline Required Reserves of 3 month(s) Exception Provided approved exception in file, p. 1234, for Borrowers have 2 months Reserves. Minimum required per guidelines is 3 months. Finding waived. <br> - Due Diligence Vendor-12/22/2024 <br>Open-Audited Reserves of 2.07 month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-12/22/2024 <br>Open-Audited Reserves of 2.07 month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-12/22/2024 |  | Waived-Audited Reserves of 2.07 month(s) are less than Guideline Required Reserves of 3 month(s) Exception Provided approved exception in file, p. 1234, for Borrowers have 2 months Reserves. Minimum required per guidelines is 3 months. Finding waived. <br> - Due Diligence Vendor-12/22/2024<br>|  |  | Compensating factors:<br> 1. DTI is 36.882%. Maximum allowed per guidelines is 50%.<br> 2. Credit Score is 775. Minimum required per guidelines is 700.<br> 3. Residual Income is $11,506.13. Minimum Residual Income required per guidelines is $1500. <br> 4. Borrower Contribution >5% above min is 100. Minimum required per guidelines is 5.<br> 5. Job Stability is 10 yrs SE. Minimum required per guidelines is 1 yr SE. | NJ | Primary Residence | Purchase | NA | 3062096 | Originator Pre-Close | Yes |
| XXXX | xxxxx1602 |  |  | Closed | 2025-01-07 11:57 | 2025-01-09 13:55 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC Received - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. - Seller-01/08/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide the COC for the Loan Discount Points of 0.14% iao $267.65 - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Resolved-COC Received - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | SC | Second Home | Purchase | NA | 3151557 | N/A | N/A |
| XXXX | xxxxx1602 |  |  | Closed | 2024-12-20 04:23 | 2025-01-07 11:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE received - Due Diligence Vendor-01/07/2025 <br>Open-Provide Initial LE - Due Diligence Vendor-12/20/2024 |  | Resolved-Initial LE received - Due Diligence Vendor-01/07/2025<br>|  |  |  | SC | Second Home | Purchase | NA | 3051096 | N/A | N/A |
| XXXX | xxxxx1602 |  |  | Closed | 2024-12-24 17:44 | 2025-01-07 11:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 received - Due Diligence Vendor-01/07/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/07/2025 <br>Open-The Initial 1003 is Missing Provide signed Initial 1003 - Due Diligence Vendor-12/24/2024 |  | Resolved-Initial 1003 received - Due Diligence Vendor-01/07/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/07/2025<br>|  |  |  | SC | Second Home | Purchase | NA | 3078138 | N/A | N/A |
| XXXX | xxxxx1602 |  |  | Closed | 2024-12-20 04:26 | 2025-01-07 11:44 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Incomplete | Resolved-ABA received - Due Diligence Vendor-01/07/2025 <br>Open-Provide ABA Disclosure - Due Diligence Vendor-12/20/2024 |  | Resolved-ABA received - Due Diligence Vendor-01/07/2025<br>|  |  |  | SC | Second Home | Purchase | NA | 3051104 | N/A | N/A |
| XXXX | xxxxx1602 |  |  | Closed | 2024-12-24 17:18 | 2025-01-07 11:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit received - Due Diligence Vendor-01/07/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/07/2025 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-12/24/2024 |  | Resolved-Home Loan Toolkit received - Due Diligence Vendor-01/07/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/07/2025<br>|  |  |  | SC | Second Home | Purchase | NA | 3077634 | N/A | N/A |
| XXXX | xxxxx1602 |  |  | Closed | 2024-12-24 17:18 | 2025-01-07 11:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-HOC received - Due Diligence Vendor-01/07/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/07/2025 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-12/24/2024 |  | Resolved-HOC received - Due Diligence Vendor-01/07/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/07/2025<br>|  |  |  | SC | Second Home | Purchase | NA | 3077629 | N/A | N/A |
| XXXX | xxxxx1602 |  |  | Closed | 2024-12-20 04:25 | 2025-01-07 11:43 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-12/20/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | SC | Second Home | Purchase | NA | 3051102 | N/A | N/A |
| XXXX | xxxxx1602 |  |  | Closed | 2024-12-24 17:19 | 2025-01-06 14:59 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Forms received - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/24/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Resolved-E-Sign Consent Forms received - Due Diligence Vendor-01/06/2025<br>| XXXX |  |  | SC | Second Home | Purchase | NA | 3077646 | N/A | N/A |
| XXXX | xxxxx1400 |  |  | Closed | 2024-12-23 17:47 | 2025-03-04 20:11 | Acknowledged | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Acknowledged- Per External Counsel Appropriate to cite as a B Grade - Due Diligence Vendor-03/04/2025 <br>Waived-The loan's (8.984%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.78%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per External Counsel Appropriate to Waive as a B Grade - Due Diligence Vendor-12/23/2024 |  | Acknowledged- Per External Counsel Appropriate to cite as a B Grade - Due Diligence Vendor-03/04/2025 <br>Waived-The loan's (8.984%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.78%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per External Counsel Appropriate to Waive as a B Grade - Due Diligence Vendor-12/23/2024<br>|  |  | Per External Counsel Appropriate to cite as a B Grade | NC | Primary Residence | Purchase | NA | 3069210 | Originator Post-Close | No |
| XXXX | xxxxx1400 |  |  | Closed | 2024-12-23 17:58 | 2024-12-26 21:33 | Resolved | 1 - Information C A | Credit | Credit | FEMA disaster issue and/or risk. | Resolved-Appraisal after incident shows No Damage, Resolved.<br> - Due Diligence Vendor-12/26/2024 <br> Ready for Review-Appraisal completed well after incident date. - Seller-12/23/2024 <br> Open-Property potentially affected by FEMA XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required. - Due Diligence Vendor-12/23/2024 | Ready for Review-Appraisal completed well after incident date. - Seller-12/23/2024<br>| Resolved-Appraisal after incident shows No Damage, Resolved.<br> - Due Diligence Vendor-12/26/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 3069412 | N/A | N/A |
| XXXX | xxxxx1400 |  |  | Closed | 2024-12-23 17:55 | 2024-12-26 12:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Disclosure Tracking Summary received - Due Diligence Vendor-12/26/2024 <br>Ready for Review-Document Uploaded. - Seller-12/23/2024 <br>Open-TRID: Missing Closing Disclosure Provide Disclosure Tracking Summary - Due Diligence Vendor-12/23/2024 | Ready for Review-Document Uploaded. - Seller-12/23/2024<br>| Resolved-Disclosure Tracking Summary received - Due Diligence Vendor-12/26/2024<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 3069368 | N/A | N/A |
| XXXX | xxxxx1400 |  |  | Closed | 2024-12-23 17:07 | 2024-12-26 12:44 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved- E-Sign Consent Form received - Due Diligence Vendor-12/26/2024 <br>Ready for Review-Document Uploaded. - Seller-12/23/2024 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/23/2024 | Ready for Review-Document Uploaded. - Seller-12/23/2024<br>| Resolved- E-Sign Consent Form received - Due Diligence Vendor-12/26/2024<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 3068603 | N/A | N/A |
| XXXX | xxxxx1400 |  |  | Closed | 2024-12-18 09:59 | 2024-12-23 17:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.984%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 339 and the Final Closing disclosure on Pg#'s 202 reflects escrows. Rate lock date was entered correctly – see Pg#'s 373. An interior and exterior appraisal was completed for this property – see pg 39, the appraisal disclosure was provided to the borrower(s)- see Pg#'453-454, and copy of the appraisal was given to the borrower – see Pg#'s 253 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-12/18/2024 |  | Resolved-The loan's (8.984%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 339 and the Final Closing disclosure on Pg#'s 202 reflects escrows. Rate lock date was entered correctly – see Pg#'s 373. An interior and exterior appraisal was completed for this property – see pg 39, the appraisal disclosure was provided to the borrower(s)- see Pg#'453-454, and copy of the appraisal was given to the borrower – see Pg#'s 253 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-12/18/2024<br>|  |  |  | NC | Primary Residence | Purchase | NA | 3029542 | N/A | N/A |
| XXXX | xxxxx1468 |  |  | Closed | 2024-12-24 07:42 | 2025-01-07 23:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Approved - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-Audited Reserves of 2.79 month(s) are less than Guideline Required Reserves of 3 month(s). PITIA $2523.30 \* 3 months = $7569.90 required amount $7038.24 Post Close Funds= - $531.26 shortage. Provide Exception<br> - Due Diligence Vendor-12/24/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Waived-Exception Approved - Due Diligence Vendor-01/07/2025<br>| XXXX |  | DTI - Loan File 33.918%, GL Requirement Maximum 50%.<br> Consumer Payment History - Loan File 0X30X25 months, GL Requirement Not considered<br> Residual Income _ Loan File $5,013.53. GL Requirement Min $1500+ 3 dependents \*$150= $1950<br> Borrower Contribution - Loan File 10%, GL Requirement Min 5%<br> Job Stability- Loan File 14 yrs SE, GL Requirement 1 yr SE | MD | Primary Residence | Purchase | NA | 3073697 | Originator Post-Close | Yes |
| XXXX | xxxxx1468 |  |  | Closed | 2024-12-24 07:52 | 2025-01-07 12:34 | Waived | 2 - Non-Material C B | Credit | Credit | Tradeline minimum has not met guidelines | Waived-Updated Exception Approved<br> Updated Exception Approval on XXXX in Findings.<br> Exception Reason: Min Tradelines- Loan File 1 for 10 months & 1 for 18 months<br> - Due Diligence Vendor-01/07/2025 <br> Ready for Review-Document Uploaded. - Seller-01/03/2025 <br> Open-Provide Updated Exception - Loan File and GL requirements are reversed for tradelines<br> See Exception Approval on XXXX page 299 <br> It should read Exception Reason: Min Tradelines- Loan File 1 for 10 months & 1 for 18 months, GL Requirement 2 for 18 months - Due Diligence Vendor-12/24/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Waived-Updated Exception Approved<br> Updated Exception Approval on XXXX in Findings.<br> Exception Reason: Min Tradelines- Loan File 1 for 10 months & 1 for 18 months<br> - Due Diligence Vendor-01/07/2025 | XXXX |  | DTI - Loan File 33.918%, GL Requirement Maximum 50%.<br> Consumer Payment History - Loan File 0X30X25 months, GL Requirement Not considered<br> Residual Income _ Loan File $5,013.53. GL Requirement Min $1500+ 3 dependents \*$150= $1950<br> Borrower Contribution - Loan File 10%, GL Requirement Min 5%<br> Job Stability- Loan File 14 yrs SE, GL Requirement 1 yr SE | MD | Primary Residence | Purchase | NA | 3073736 | Originator Pre-Close | Yes |
| XXXX | xxxxx1468 |  |  | Closed | 2024-12-30 17:39 | 2025-01-07 12:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, any related COC's and Disclosure Tracking Summary - Due Diligence Vendor-12/30/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Resolved-Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3103913 | N/A | N/A |
| XXXX | xxxxx1468 |  |  | Closed | 2024-12-24 07:46 | 2025-01-07 12:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE received - Due Diligence Vendor-01/07/2025 <br>Open-Provide Initial LE - Due Diligence Vendor-12/24/2024 |  | Resolved-Initial LE received - Due Diligence Vendor-01/07/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3073718 | N/A | N/A |
| XXXX | xxxxx1468 |  |  | Closed | 2024-12-24 06:20 | 2025-01-07 12:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 received - Due Diligence Vendor-01/07/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/07/2025 <br>Open-The Initial 1003 is Missing Provide Initial 1003 - Due Diligence Vendor-12/24/2024 |  | Resolved-Initial 1003 received - Due Diligence Vendor-01/07/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/07/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3073524 | N/A | N/A |
| XXXX | xxxxx1468 |  |  | Closed | 2024-12-30 17:38 | 2025-01-07 12:03 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-ABA received - Due Diligence Vendor-01/07/2025 <br>Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-12/30/2024 |  | Resolved-ABA received - Due Diligence Vendor-01/07/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3103889 | N/A | N/A |
| XXXX | xxxxx1468 |  |  | Closed | 2024-12-30 17:41 | 2025-01-07 12:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-HOC received - Due Diligence Vendor-01/07/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/07/2025 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-12/30/2024 |  | Resolved-HOC received - Due Diligence Vendor-01/07/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/07/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3103929 | N/A | N/A |
| XXXX | xxxxx1468 |  |  | Closed | 2024-12-30 17:40 | 2025-01-07 12:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit received - Due Diligence Vendor-01/07/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/07/2025 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-12/30/2024 |  | Resolved-Home Loan Toolkit received - Due Diligence Vendor-01/07/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/07/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3103918 | N/A | N/A |
| XXXX | xxxxx1468 |  |  | Closed | 2024-12-24 07:47 | 2025-01-07 12:00 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-12/24/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3073726 | N/A | N/A |
| XXXX | xxxxx1468 |  |  | Closed | 2024-12-30 16:47 | 2025-01-07 11:59 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-01/07/2025 <br>Ready for Review-Document Uploaded. - Seller-01/03/2025 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/30/2024 | Ready for Review-Document Uploaded. - Seller-01/03/2025<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-01/07/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3103092 | N/A | N/A |
| XXXX | xxxxx1468 |  |  | Closed | 2025-01-07 12:23 | 2025-01-07 12:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 285 and the Final Closing disclosure on page 140 reflects escrows. Rate lock date was entered correctly – see page 301. An interior and exterior appraisal was completed for this property – see page 38, the appraisal disclosure was provided to the borrower(s)- see page 195 and copy of the appraisal was given to the borrower – see page 128, 130, 131. The loan meets HPML guidelines. - Due Diligence Vendor-01/07/2025 <br>Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (10.415%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.78%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/07/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 285 and the Final Closing disclosure on page 140 reflects escrows. Rate lock date was entered correctly – see page 301. An interior and exterior appraisal was completed for this property – see page 38, the appraisal disclosure was provided to the borrower(s)- see page 195 and copy of the appraisal was given to the borrower – see page 128, 130, 131. The loan meets HPML guidelines. - Due Diligence Vendor-01/07/2025 <br>Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (10.415%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.78%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/07/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3151653 | N/A | N/A |
| XXXX | xxxxx1468 |  |  | Closed | 2025-01-07 12:23 | 2025-01-07 12:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 285 and the Final Closing disclosure on page 140 reflects escrows. Rate lock date was entered correctly – see page 301. An interior and exterior appraisal was completed for this property – see page 38, the appraisal disclosure was provided to the borrower(s)- see page 195 and copy of the appraisal was given to the borrower – see page 128, 130, 131. The loan meets HPML guidelines. - Due Diligence Vendor-01/07/2025 <br>Resolved-The loan's (10.415%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/07/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 285 and the Final Closing disclosure on page 140 reflects escrows. Rate lock date was entered correctly – see page 301. An interior and exterior appraisal was completed for this property – see page 38, the appraisal disclosure was provided to the borrower(s)- see page 195 and copy of the appraisal was given to the borrower – see page 128, 130, 131. The loan meets HPML guidelines. - Due Diligence Vendor-01/07/2025 <br>Resolved-The loan's (10.415%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/07/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3151654 | N/A | N/A |
| XXXX | xxxxxx7784 |  |  | Closed | 2024-12-22 09:28 | 2025-03-26 14:06 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Updated Final 1003 and gift letter uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/15/2025 <br>Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. $65K gift was not utilized -- please see updated 1003, with correlating gift letter + receipt. Thank you! - Seller-01/14/2025 <br>Open-Asset Record 3 Does Not Meet G/L Requirements Asset3 is a Gift of $65,000 amount reflecting in Final 1003 and Gift Letter provided for $65,000 on page #241, but no evidence of receipt for the gift of $65,000. - Due Diligence Vendor-12/22/2024 | Ready for Review-Document Uploaded. $65K gift was not utilized -- please see updated 1003, with correlating gift letter + receipt. Thank you! - Seller-01/14/2025 | Resolved-Updated Final 1003 and gift letter uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-01/15/2025 <br>Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-01/15/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3062633 | N/A | N/A |
| XXXX | xxxxxx7784 |  |  | Closed | 2024-12-24 13:37 | 2025-03-26 12:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Lender exception available in these findings:<br> "Exception approved to accept 10 months of housing history for primary residence when 12 months is needed per guides. VOD reflects 10 months of payments." - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. - Seller-03/25/2025 <br> Counter-Another copy of a lease agreement was provided. However, the "verification of rent" that is needed is a document from the apartment complex stating that the borrower made payments on-time and that there were no late payments during the time the borrower lived there. - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. - Seller-02/11/2025 <br> Counter-A lease was provided for the address the borrower presently resides at an amount of $1,336 per month in the name of XXX (borrower) and XXXX (a non-borrower) running from XXXX. According to this document, the borrower did have a prior housing history. A Verification of Rent from the Apartment Complex verifying on-time rent payments for the past 12 months minimum is needed; or evidence that XXXX solely made the rent payments. - Due Diligence Vendor-01/08/2025 <br> Ready for Review-Document Uploaded. The contract for the property is attached - Seller-01/07/2025 <br> Open-Per the Final 1003, the borrower currently has no housing expense. However, a LOX from that property owner to validate that claim was not provided in the file. - Due Diligence Vendor-12/24/2024 | Ready for Review-Document Uploaded. - Seller-03/25/2025 <br>Ready for Review-Document Uploaded. - Seller-02/11/2025 <br>Ready for Review-Document Uploaded. The contract for the property is attached - Seller-01/07/2025<br>| Waived-Lender exception available in these findings:<br> "Exception approved to accept 10 months of housing history for primary residence when 12 months is needed per guides. VOD reflects 10 months of payments." - Due Diligence Vendor-03/26/2025<br>| XXXX |  | (1) Reserves of 7.43 months exceeds the guideline minimum of 3.<br> (2) Residual income of $4,185.84.<br> (3) FICO score of 617 exceeds the guideline minimum of 600. | TX | Primary Residence | Purchase | NA | 3074815 | Originator Post-Close | Yes |
| XXXX | xxxxxx7784 |  |  | Closed | 2024-12-24 13:35 | 2025-01-16 13:16 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-PCCD received with evidence it was sent to the borrower. System updated. Resolved. - Due Diligence Vendor-01/16/2025 <br> Ready for Review-Document Uploaded. Document uploaded. See attached. - Seller-01/14/2025 <br> Counter-Corrected 1003 & 1008 received showing HOA to be $37.50. However, if the HOA is now $37.50, then the Final CD is incorrect. Estimated Taxes, Insurance,& Assessments is shown as $537.91. Minus $216.42 for Insurance and $276.49 for Taxes leaves $45.00 to be the HOA. With a $37.50 HOA, the Estimated Taxes, Insurance,& Assessments should be $530.41. A PCCD is needed. - Due Diligence Vendor-01/14/2025 <br> Ready for Review-Document Uploaded. Document uploaded, See attached. - Seller-01/11/2025 <br> Open-HOA Fee difference exsits between validated HOA and documents Per the Final CD and the Final 1008, the HOA fee is $45.00. Per other documentation in file, the Appraisal states $450.00 annually ($37.50 monthly), and the provided XXXX screenprints show $38.00 monthly. The file is missing any documentation to validate a $45.00 monthly HOA fee. - Due Diligence Vendor-12/24/2024 | Ready for Review-Document Uploaded. Document uploaded. See attached. - Seller-01/14/2025 <br>Ready for Review-Document Uploaded. Document uploaded, See attached. - Seller-01/11/2025<br>| Resolved-PCCD received with evidence it was sent to the borrower. System updated. Resolved. - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3074807 | N/A | N/A |
| XXXX | xxxxxx7784 |  |  | Closed | 2024-12-22 09:10 | 2025-03-26 14:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-03/26/2025 <br>Resolved-The loan's (11.596%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s258-259 and the Final Closing disclosure on Pg#'s92-97, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s273-275, 90. An interior and exterior appraisal was completed for this property – see pg#21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s313, and confirmation the appraisal was delivered to the borrower – see Pg#'s20 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/22/2024 |  | Resolved-. - Due Diligence Vendor-03/26/2025 <br>Resolved-The loan's (11.596%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s258-259 and the Final Closing disclosure on Pg#'s92-97, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s273-275, 90. An interior and exterior appraisal was completed for this property – see pg#21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s313, and confirmation the appraisal was delivered to the borrower – see Pg#'s20 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/22/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3062621 | N/A | N/A |
| XXXX | xxxxx1582 |  |  | Closed | 2025-01-03 09:24 | 2025-01-09 11:45 | Resolved | 1 - Information C A | Credit | Credit | Escrow information insufficient or has discrepancy | Resolved-updated HOI Policy received with $1414.55 annual premium - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/08/2025 <br>Open-HOI Policy page 440 reflects premium iao $1766.47/12 months =$147.21; however, IEAD, First payment letter, HUD and 1003 reflect premium iao $1414.56 /12 months = $117.86. Provide clarification of correct monthly amount<br> - Due Diligence Vendor-01/03/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Resolved-updated HOI Policy received with $1414.55 annual premium - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3129188 | N/A | N/A |
| XXXX | xxxxx1582 |  |  | Closed | 2025-01-07 19:54 | 2025-01-09 11:29 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved- E-Sign Consent Form received - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/08/2025 <br>Open-Provide E-Sign Consent Form. - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Resolved- E-Sign Consent Form received - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3157161 | N/A | N/A |
| XXXX | xxxxx1582 |  |  | Closed | 2025-01-03 09:16 | 2025-01-09 07:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/08/2025 <br>Open-Evidence of Rate Lock Missing Provide the Confirmation of Rate Lock - Due Diligence Vendor-01/03/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3129175 | N/A | N/A |
| XXXX | xxxxx1362 |  |  | Closed | 2025-01-09 20:38 | 2025-01-09 20:43 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _252___ and the Final Closing disclosure on Pg#'s _113___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _268____ An interior and exterior appraisal was completed for this property – see pg _15___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_finding__ , and copy of the appraisal was given to the borrower – see Pg#'s _138____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/09/2025 <br>Open-The loan's (8.846%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-01/09/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _252___ and the Final Closing disclosure on Pg#'s _113___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _268____ An interior and exterior appraisal was completed for this property – see pg _15___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_finding__ , and copy of the appraisal was given to the borrower – see Pg#'s _138____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/09/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3176092 | N/A | N/A |
| XXXX | xxxxx1362 |  |  | Closed | 2024-12-25 06:14 | 2025-01-09 20:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-the CD was provided - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-TRID: Missing Closing Disclosure Missing the Initial CD and the Final CD. provide these two CD's along with the any COC's<br> - Due Diligence Vendor-12/25/2024 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-the CD was provided - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 3080872 | N/A | N/A |
| XXXX | xxxxx1362 |  |  | Closed | 2024-12-31 18:43 | 2025-01-09 20:16 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-the document was provided - Due Diligence Vendor-01/09/2025 <br>Open-Provide the FACTS sheet - Due Diligence Vendor-12/31/2024 |  | Resolved-the document was provided - Due Diligence Vendor-01/09/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3115136 | N/A | N/A |
| XXXX | xxxxx1362 |  |  | Closed | 2024-12-25 06:13 | 2025-01-09 20:16 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-intent to proceed was provided - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Intent to Proceed - Due Diligence Vendor-12/25/2024 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-intent to proceed was provided - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 3080871 | N/A | N/A |
| XXXX | xxxxx1362 |  |  | Closed | 2024-12-31 18:42 | 2025-01-09 20:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/09/2025 <br>Open-missing document - Due Diligence Vendor-12/31/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/09/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3115116 | N/A | N/A |
| XXXX | xxxxx1362 |  |  | Closed | 2024-12-31 18:42 | 2025-01-09 20:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/09/2025 <br>Open- - Due Diligence Vendor-12/31/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/09/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3115124 | N/A | N/A |
| XXXX | xxxxx1362 |  |  | Closed | 2024-12-24 16:52 | 2025-01-09 19:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/09/2025 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-12/24/2024 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/09/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3077261 | N/A | N/A |
| XXXX | xxxxx1362 |  |  | Closed | 2024-12-31 18:41 | 2025-01-09 19:56 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-signature document provided - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-Provide the E-signature document - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-E-signature document provided - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 3115096 | N/A | N/A |
| XXXX | xxxxx1362 |  |  | Closed | 2024-12-25 06:19 | 2025-01-09 19:56 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Exception approved - Due Diligence Vendor-01/09/2025 <br> Ready for Review-XXXX approves exception. Ok to proceed. - Seller-01/07/2025 <br> Open-Exception Page#262 to allow for tip income to qualify. She has received it for 23 months when 24 months is required.<br> Tip Income = 23 mo and Tip Income= 24 mo - Due Diligence Vendor-12/25/2024 | Ready for Review-XXXX approves exception. Ok to proceed. - Seller-01/07/2025 | Waived-Exception approved - Due Diligence Vendor-01/09/2025<br>|  |  | DTI is 38.323%. Maximum allowed per guidelines is 50%.<br> Credit Score is 754. Minimum required per guidelines is 660.<br> Borrower(s) have 8 months Reserves. Minimum required per guidelines is 3 months.<br>| OH | Primary Residence | Purchase | NA | 3080875 | Originator Pre-Close | Yes |
| XXXX | xxxxx8096 |  |  | Closed | 2024-12-31 18:37 | 2025-01-09 19:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Exception Approved - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. - Seller-01/07/2025 <br> Open-Borrower Type ineligible per program guidelines. Document Uploaded. Note is signed by XXXX - MANAGING MEMBER and XXXX - MANAGING MEMBER on behalf of Business Entity,XXXX. Provide Exception - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Waived-Exception Approved - Due Diligence Vendor-01/09/2025<br>| XXXX |  | Personal Guaranty Executed By Borrower, Present in File.<br> LTV - Loan File 53.93%, GL Requirement Maximum 65%.<br> Credit Score - Loan File 676, GL Requirement Minimum 660<br> DSCR- Loan File 1.081, GL Requirement 0.00<br>| IL | Investment | Refinance | No Cash Out - Borrower Initiated | 3115046 | Originator Post-Close | Yes |
| XXXX | xxxxx8096 |  |  | Closed | 2024-12-31 18:35 | 2025-01-08 13:29 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-01/08/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-01/08/2025<br>| XXXX |  |  | IL | Investment | Refinance | No Cash Out - Borrower Initiated | 3115034 | N/A | N/A |
| XXXX | xxxxx8096 |  |  | Closed | 2024-12-25 16:01 | 2024-12-31 18:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Exception Approved<br> Exception Approval on XXXX on page 410<br> Exception Reason: Housing History - Loan File 1x60x12 @65% LTV, GL Requirement 0x60x12 @65%<br> Private note-holder informed borrower to add payments to the payoff during refinance which led to a 60 day late for the XXXX payment which was ultimately paid XXXX. It is noted the borrower had been making payments greater than the minimum due, leading to excess funds of $3,415.83 at the time this took place which the lienholder could have applied to that payment. - Due Diligence Vendor-12/25/2024 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception Approved<br> Exception Approval on XXXX on page 410<br> Exception Reason: Housing History - Loan File 1x60x12 @65% LTV, GL Requirement 0x60x12 @65%<br> Private note-holder informed borrower to add payments to the payoff during refinance which led to a 60 day late for the XXXX payment wish was ultimately paid XXXX. It is noted the borrower had been making payments greater than the minimum due, leading to excess funds of $3,415.83 at the time this took place which the lienholder could have applied to that payment. - Due Diligence Vendor-12/25/2024 |  |  | LTV - Loan File 53.93%, GL Requirement Maximum 65%.<br> Credit Score - Loan File 676, GL Requirement Minimum 660<br> DSCR- Loan File 1.081, GL Requirement 0.00 | IL | Investment | Refinance | No Cash Out - Borrower Initiated | 3081166 | Originator Pre-Close | Yes |
| XXXX | xxxxx1563 |  |  | Closed | 2024-12-26 09:27 | 2025-01-09 19:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-closing disclosure provided - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-TRID: Missing Closing Disclosure Initial Cd is missing in file. - Due Diligence Vendor-12/26/2024 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-closing disclosure provided - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3082016 | N/A | N/A |
| XXXX | xxxxx1563 |  |  | Closed | 2025-01-09 19:19 | 2025-01-09 19:41 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _393___ and the Final Closing disclosure on Pg#'s _208___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __457___ An interior and exterior appraisal was completed for this property – see pg _39___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__502_ , and copy of the appraisal was given to the borrower – see Pg#'s _468____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/09/2025 <br>Open-The loan's (8.864%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-01/09/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _393___ and the Final Closing disclosure on Pg#'s _208___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __457___ An interior and exterior appraisal was completed for this property – see pg _39___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__502_ , and copy of the appraisal was given to the borrower – see Pg#'s _468____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/09/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3174977 | N/A | N/A |
| XXXX | xxxxx1563 |  |  | Closed | 2025-01-09 19:19 | 2025-01-09 19:27 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-01/09/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-01/09/2025 |  | Resolved- - Due Diligence Vendor-01/09/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3174976 | N/A | N/A |
| XXXX | xxxxx1563 |  |  | Closed | 2025-01-02 18:00 | 2025-01-09 19:06 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-signature document provided - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-Provide the E-signature document - Due Diligence Vendor-01/02/2025 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-E-signature document provided - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3123757 | N/A | N/A |
| XXXX | xxxxx1562 | 132411562 |  | Closed | 2025-01-15 19:55 | 2025-01-15 19:55 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Waived-Waiver and comp factors provided in file - Due Diligence Vendor-01/15/2025 | Waived-Exception for no 1007 in the appraisal. Not using any rental income for qualification.<br> ACCEPTED by XX 12/17/2024 11:42:37 AM - Due Diligence Vendor-01/15/2025 <br>| Waived-Waiver and comp factors provided in file - Due Diligence Vendor-01/15/2025<br>|  |  | 34.76% DTI; 50 maximum<br> 44.48 months reserves; 3 minimum<br> Residual income of $45,700.99; $1,950 required<br> 19 years job stability; 1 required | MD | Investment | Refinance | Cash Out - Other | 3213788 | Originator Pre-Close | Yes |
| XXXX | xxxxx1562 | 132411562 |  | Closed | 2024-12-31 08:14 | 2025-01-10 18:23 | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Doc is missing. | Resolved-Guaranty provided - Due Diligence Vendor-01/10/2025 <br>Ready for Review-Document Uploaded. - Seller-01/08/2025 <br>Open-Guaranty document is missing in file. - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Resolved-Guaranty provided - Due Diligence Vendor-01/10/2025<br>| XXXX |  |  | MD | Investment | Refinance | Cash Out - Other | 3109524 | N/A | N/A |
| XXXX | xxxxx1562 | 132411562 |  | Closed | 2025-01-06 21:14 | 2025-01-10 18:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-the U/W notes provide the explanation of the income used. - Due Diligence Vendor-01/10/2025 <br>Ready for Review-Document Uploaded. See worksheet and UW notes. - Seller-01/08/2025 <br>Open-Missing the lender worksheet for B1 income (which is showing a negative) - Due Diligence Vendor-01/06/2025 | Ready for Review-Document Uploaded. See worksheet and UW notes. - Seller-01/08/2025<br>| Resolved-the U/W notes provide the explanation of the income used. - Due Diligence Vendor-01/10/2025<br>| XXXX |  |  | MD | Investment | Refinance | Cash Out - Other | 3148818 | N/A | N/A |
| XXXX | xxxxx1439 |  |  | Closed | 2025-01-09 14:20 | 2025-01-09 14:53 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 481 and the Final Closing disclosure on page 336 reflects escrows. Rate lock date was entered correctly – see page 496. An interior and exterior appraisal was completed for this property – see page 77, the appraisal disclosure was provided to the borrower(s)- see Disc Finding pg 66 and copy of the appraisal was given to the borrower – see page 232. The loan meets HPML guidelines - Due Diligence Vendor-01/09/2025 <br>Open-The loan's (9.702%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/09/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 481 and the Final Closing disclosure on page 336 reflects escrows. Rate lock date was entered correctly – see page 496. An interior and exterior appraisal was completed for this property – see page 77, the appraisal disclosure was provided to the borrower(s)- see Disc Finding pg 66 and copy of the appraisal was given to the borrower – see page 232. The loan meets HPML guidelines - Due Diligence Vendor-01/09/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3170944 | N/A | N/A |
| XXXX | xxxxx1439 |  |  | Closed | 2025-01-09 14:20 | 2025-01-09 14:49 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-01/09/2025 <br> Open-Re-Ran Mavent. Re-entered Loan Discount Points iao $768 on Revised LE, Initial CD and Final CD and entered COC on XXXX Revised LE. - Due Diligence Vendor-01/09/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-01/09/2025 |  | Resolved- - Due Diligence Vendor-01/09/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3170943 | N/A | N/A |
| XXXX | xxxxx1439 |  |  | Closed | 2024-12-25 04:19 | 2025-01-09 14:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved- Initial LE received - Due Diligence Vendor-01/09/2025 <br>Open-Provide Initial LE - Due Diligence Vendor-12/25/2024 |  | Resolved- Initial LE received - Due Diligence Vendor-01/09/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3080810 | N/A | N/A |
| XXXX | xxxxx1439 |  |  | Closed | 2024-12-25 03:05 | 2025-01-09 14:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 received - Due Diligence Vendor-01/09/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/09/2025 <br>Open-The Initial 1003 is Missing Provide executed Initial 1003 - Due Diligence Vendor-12/25/2024 |  | Resolved-Initial 1003 received - Due Diligence Vendor-01/09/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/09/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3080765 | N/A | N/A |
| XXXX | xxxxx1439 |  |  | Closed | 2024-12-25 04:15 | 2025-01-09 14:12 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Incomplete | Resolved-ABA received - Due Diligence Vendor-01/09/2025 <br>Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-12/25/2024 |  | Resolved-ABA received - Due Diligence Vendor-01/09/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3080803 | N/A | N/A |
| XXXX | xxxxx1439 |  |  | Closed | 2024-12-31 16:39 | 2025-01-09 14:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit received - Due Diligence Vendor-01/09/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/09/2025 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-12/31/2024 |  | Resolved-Home Loan Toolkit received - Due Diligence Vendor-01/09/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/09/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3113294 | N/A | N/A |
| XXXX | xxxxx1439 |  |  | Closed | 2024-12-31 16:38 | 2025-01-09 14:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-HOC received - Due Diligence Vendor-01/09/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/09/2025 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-12/31/2024 |  | Resolved-HOC received - Due Diligence Vendor-01/09/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/09/2025<br>|  |  |  | SC | Primary Residence | Purchase | NA | 3113291 | N/A | N/A |
| XXXX | xxxxx1439 |  |  | Closed | 2024-12-25 04:16 | 2025-01-09 14:08 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure. - Due Diligence Vendor-12/25/2024 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | 3080804 | N/A | N/A |
| XXXX | xxxxx1439 |  |  | Closed | 2024-12-31 17:00 | 2025-01-08 14:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-01/08/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-TRID: Missing Closing Disclosure Provide Executed Initial CD and Disclosure Tracking Summary - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-Revised LE, Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-01/08/2025<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | 3113651 | N/A | N/A |
| XXXX | xxxxx1439 |  |  | Closed | 2024-12-31 16:39 | 2025-01-08 13:49 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-01/08/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-01/08/2025<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | 3113319 | N/A | N/A |
| XXXX | xxxxx1570 |  |  | Closed | 2024-12-24 06:43 | 2025-01-09 07:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Final Borrower Signed Business Purpose Affidavit Disclosure provided. - Due Diligence Vendor-01/09/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/08/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Final Borrower Signed Business Purpose Affidavit Disclosure missing from file.<br> - Due Diligence Vendor-12/24/2024 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Resolved-Final Borrower Signed Business Purpose Affidavit Disclosure provided. - Due Diligence Vendor-01/09/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | MN | Investment | Purchase | NA | 3073595 | N/A | N/A |
| XXXX | xxxxx1570 |  |  | Closed | 2024-12-31 01:28 | 2025-01-08 16:25 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-signature document was provided - Due Diligence Vendor-01/08/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-provide the E-signature document - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-E-signature document was provided - Due Diligence Vendor-01/08/2025<br>| XXXX |  |  | MN | Investment | Purchase | NA | 3108541 | N/A | N/A |
| XXXX | xxxxx1570 |  |  | Closed | 2024-12-24 07:44 | 2025-01-08 07:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Required Document provided, Changes Made in system, finding resolved - Due Diligence Vendor-01/08/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/08/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-Missing Third Party Fraud Report Third Party Fraud Report missing from file. - Due Diligence Vendor-12/24/2024 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-Required Document provided, Changes Made in system, finding resolved - Due Diligence Vendor-01/08/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/08/2025<br>| XXXX |  |  | MN | Investment | Purchase | NA | 3073701 | N/A | N/A |
| XXXX | xxxxx1636 |  |  | Closed | 2024-12-23 06:14 | 2025-01-09 19:01 | Waived | 2 - Non-Material C B | Credit | Assets | Asset General | Waived-Exception approved - Due Diligence Vendor-01/09/2025 <br> Ready for Review-XXXX approves exception. Ok to proceed. - Seller-01/07/2025 <br> Open-Exception is on page number: 295<br>Min Subject Months Reserves: Loan File 2. Guideline Requirement 3.00.<br> - Due Diligence Vendor-12/23/2024 | Ready for Review-XXXX approves exception. Ok to proceed. - Seller-01/07/2025 | Waived-Exception approved - Due Diligence Vendor-01/09/2025<br>|  |  | 1: Credit Score is 737. Minimum required per guidelines is 700.<br> 2: 43.02 % DTI - 50% Maximum<br> 3: 5.59 months reserves - 3 months minimum | TX | Primary Residence | Purchase | NA | 3064145 | Originator Pre-Close | Yes |
| XXXX | xxxxx1636 |  |  | Closed | 2024-12-27 19:22 | 2025-01-09 18:56 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-signature document was provided - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-Provide the E-signature document - Due Diligence Vendor-12/27/2024 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-E-signature document was provided - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3095226 | N/A | N/A |
| XXXX | xxxxx1636 |  |  | Closed | 2024-12-27 19:21 | 2025-01-09 18:56 | Resolved | 1 - Information C A | Credit | Eligibility | Asset do not meet guidelines | Resolved-asset worksheet uploaded - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-provide the asset worksheet<br> - Due Diligence Vendor-12/27/2024 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-asset worksheet uploaded - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3095219 | N/A | N/A |
| XXXX | xxxxx1636 |  |  | Closed | 2024-12-23 05:54 | 2024-12-23 06:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.692%) APR equals or exceeds the Federal HPML threshold of (8.26%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.76%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 246 and the Final Closing disclosure on Pg 93 reflects escrows. Rate lock date was entered correctly – see Pg 270 An interior and exterior appraisal was completed for this property – see pg 36 to 41 the appraisal disclosure was provided to the borrower(s)- see Pg 268, and copy of the appraisal was given to the borrower – see Pg 26 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/23/2024 |  | Resolved-The loan's (9.692%) APR equals or exceeds the Federal HPML threshold of (8.26%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.76%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 246 and the Final Closing disclosure on Pg 93 reflects escrows. Rate lock date was entered correctly – see Pg 270 An interior and exterior appraisal was completed for this property – see pg 36 to 41 the appraisal disclosure was provided to the borrower(s)- see Pg 268, and copy of the appraisal was given to the borrower – see Pg 26 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/23/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3064096 | N/A | N/A |
| XXXX | xxxxx0191 |  |  | Closed | 2024-12-23 07:02 | 2025-01-09 18:54 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to proceed document was provided - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. - Due Diligence Vendor-12/23/2024 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-Intent to proceed document was provided - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3064250 | N/A | N/A |
| XXXX | xxxxx0191 |  |  | Closed | 2024-12-23 07:04 | 2025-01-09 18:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure. - Due Diligence Vendor-12/23/2024 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>|  | XXXX |  | closing disclosure provided | MD | Primary Residence | Purchase | NA | 3064263 | N/A | N/A |
| XXXX | xxxxx0191 |  |  | Closed | 2025-01-09 18:24 | 2025-01-09 18:53 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _398___ and the Final Closing disclosure on Pg#'s _180___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __434___ An interior and exterior appraisal was completed for this property – see pg _31___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_Finding__ , and copy of the appraisal was given to the borrower – see Pg#'s _161____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/09/2025 <br>Open-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (11.125%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.78%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-01/09/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _398___ and the Final Closing disclosure on Pg#'s _180___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __434___ An interior and exterior appraisal was completed for this property – see pg _31___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_Finding__ , and copy of the appraisal was given to the borrower – see Pg#'s _161____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/09/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3174112 | N/A | N/A |
| XXXX | xxxxx0191 |  |  | Closed | 2025-01-09 18:24 | 2025-01-09 18:53 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _398___ and the Final Closing disclosure on Pg#'s _180___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __434___ An interior and exterior appraisal was completed for this property – see pg _31___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_Finding__ , and copy of the appraisal was given to the borrower – see Pg#'s _161____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/09/2025 <br>Open-The loan's (11.125%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-01/09/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _398___ and the Final Closing disclosure on Pg#'s _180___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __434___ An interior and exterior appraisal was completed for this property – see pg _31___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_Finding__ , and copy of the appraisal was given to the borrower – see Pg#'s _161____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/09/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3174113 | N/A | N/A |
| XXXX | xxxxx0191 |  |  | Closed | 2024-12-23 07:03 | 2025-01-09 18:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-initial LE was provided - Due Diligence Vendor-01/09/2025 <br>Open-Missing Initial Loan Estimate - Due Diligence Vendor-12/23/2024 |  | Resolved-initial LE was provided - Due Diligence Vendor-01/09/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3064260 | N/A | N/A |
| XXXX | xxxxx0191 |  |  | Closed | 2024-12-23 07:01 | 2025-01-09 17:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/09/2025 <br>Open-Homeownership Counseling Disclosure Is Missing. - Due Diligence Vendor-12/23/2024 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/09/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3064245 | N/A | N/A |
| XXXX | xxxxx0191 |  |  | Closed | 2024-12-23 07:29 | 2025-01-09 17:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/09/2025 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing. - Due Diligence Vendor-12/23/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/09/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3064315 | N/A | N/A |
| XXXX | xxxxx0191 |  |  | Closed | 2024-12-27 17:54 | 2025-01-09 17:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Partially Provided | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable (Occupancy is Primary Residence and Property State is MD) - Due Diligence Vendor-01/09/2025 <br>Open-provide the consumer counseling "Home loan Tool Kit - Due Diligence Vendor-12/27/2024 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable (Occupancy is Primary Residence and Property State is MD) - Due Diligence Vendor-01/09/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3094152 | N/A | N/A |
| XXXX | xxxxx0191 |  |  | Closed | 2024-12-23 05:32 | 2025-01-09 17:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/09/2025 <br>Open-The Initial 1003 is Missing. - Due Diligence Vendor-12/23/2024 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/09/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3064062 | N/A | N/A |
| XXXX | xxxxx0191 |  |  | Closed | 2024-12-27 17:54 | 2025-01-09 17:22 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-signature document was provided - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-Provide the E-signature document - Due Diligence Vendor-12/27/2024 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-E-signature document was provided - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3094159 | N/A | N/A |
| XXXX | xxxxxx4857 |  |  | Closed | 2024-12-27 19:59 | 2025-04-04 12:43 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-01/27/2025 <br> Ready for Review-Document Uploaded. Updated 1003 for income and assets. UW is only using the 18% of assets - Seller-01/23/2025 <br> Counter-Operating Agreement for XXXX required. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Operating Agreement for XXXX required. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Operating Agreement does not specify Manager or Member may pledge LLC assets. Borrower % ownership of 18.75%. 18.75% - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. Operating Agreement - Seller-01/08/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Access letter required for account #6139 - Due Diligence Vendor-12/27/2024 | Ready for Review-Document Uploaded. Updated 1003 for income and assets. UW is only using the 18% of assets - Seller-01/23/2025 <br>Ready for Review-Document Uploaded. Operating Agreement - Seller-01/08/2025<br>| Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-01/27/2025<br>| XXXX |  |  | PA | Investment | Purchase | NA | 3095655 | N/A | N/A |
| XXXX | xxxxxx4857 |  |  | Closed | 2025-01-27 13:46 | 2025-04-04 12:42 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 16.56 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/04/2025 <br> Resolved-Resolved-Updated Assets with provided documentation. - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. UW calcs:<br> Funds Required = XXXX<br> Borrower - XXXX<br> Coborrower - XXXX<br> Total = XXXX<br> - Seller-02/11/2025 <br> Counter-Post Close Fund of $XXXX do not meet GL reserve requirements. - Due Diligence Vendor-02/04/2025 <br> Ready for Review-Document Uploaded. Updated 1003 for the account in question - Seller-01/31/2025 <br> Counter-Total Assets verified are $XXXX. 18.75% Ownership percentage of Business Account XXXX equals $XXXX available for Borrower. - Due Diligence Vendor-01/29/2025 <br> Ready for Review-Document Uploaded. UW response & snippet to show we have over 3 months assets<br>- Seller-01/28/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. UW calcs:<br> Funds Required = XXXX<br> Borrower - XXXX <br> Coborrower XXXX<br> Total = XXXX <br> - Seller-02/11/2025 <br> Ready for Review-Document Uploaded. Updated 1003 for the account in question - Seller-01/31/2025 <br> Ready for Review-Document Uploaded. UW response & snippet to show we have over 3 months assets<br>- Seller-01/28/2025 | Resolved-Audited Reserves of 16.56 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/04/2025 <br>Resolved-Resolved-Updated Assets with provided documentation. - Due Diligence Vendor-02/12/2025<br>| XXXX |  |  | PA | Investment | Purchase | NA | 3284470 | N/A | N/A |
| XXXX | xxxxxx4857 |  |  | Closed | 2024-12-27 19:59 | 2025-04-04 12:40 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-01/27/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements - Due Diligence Vendor-01/27/2025 <br> Ready for Review-Document Uploaded. Updated 1003 for income and assets. UW is only using the 18% of assets - Seller-01/23/2025 <br> Counter-Operating Agreement does not expressly allow for pledging of LLC assets. Assets do not meet reserve requirements using Borrower 18.75% of Asset 1. Access Letter from majority members required. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. Operating Agreement - Seller-01/08/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements XXXX documentation (Operating Agreement verifying ownership percentage and/or access letter) required allowing Borrower access to funds - Due Diligence Vendor-12/27/2024 | Ready for Review-Document Uploaded. Updated 1003 for income and assets. UW is only using the 18% of assets - Seller-01/23/2025 <br>Ready for Review-Document Uploaded. Operating Agreement - Seller-01/08/2025<br>| Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-01/27/2025<br>| XXXX |  |  | PA | Investment | Purchase | NA | 3095654 | N/A | N/A |
| XXXX | xxxxxx4857 |  |  | Closed | 2025-01-09 15:24 | 2025-04-04 12:40 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-01/27/2025 <br>Open-Asset Record 2 Does Not Meet G/L Requirements - Due Diligence Vendor-01/27/2025 <br>Ready for Review-Document Uploaded. Updated 1003 for income and assets. UW is only using the 18% of assets - Seller-01/23/2025 <br>Open-Access letter required. - Due Diligence Vendor-01/09/2025 <br>Open-Asset Record 2 Does Not Meet G/L Requirements - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. Updated 1003 for income and assets. UW is only using the 18% of assets - Seller-01/23/2025<br>| Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-01/27/2025<br>| XXXX |  |  | PA | Investment | Purchase | NA | 3171770 | N/A | N/A |
| XXXX | xxxxxx4857 |  |  | Closed | 2024-12-23 11:17 | 2025-04-04 12:06 | Waived | 2 - Non-Material C B | Credit | Credit | Guarantor Recourse Doc is missing. | Waived-UW Exception to waive the Guarantor Agreement required to be signed at closing by the borrowers due to vested in LLC provided. - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. Exception Approval - Seller-04/03/2025 <br>Counter-Documents provided are not Guarantor Recourse. - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. LLC Borrowing Certificate & Loan Agreement - Seller-12/30/2024 <br>Open-Provide Guarantor Recourse Doc is missing. - Due Diligence Vendor-12/23/2024 | Ready for Review-Document Uploaded. Exception Approval - Seller-04/03/2025 <br>Ready for Review-Document Uploaded. LLC Borrowing Certificate & Loan Agreement - Seller-12/30/2024<br>| Waived-UW Exception to waive the Guarantor Agreement required to be signed at closing by the borrowers due to vested in LLC provided. - Due Diligence Vendor-04/04/2025<br>| XXXX |  | 1.5% DSCR > required 1.0%<br> 16.5 months reserves > required 3 months | PA | Investment | Purchase | NA | 3064817 | Originator Post-Close | Yes |
| XXXX | xxxxxx4857 |  |  | Closed | 2024-12-27 19:38 | 2025-01-06 13:25 | Resolved | 1 - Information C A | Credit | Doc Issue | Transmittal (1008) is Missing | Resolved-Updated 1008 provided. - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-12/31/2024 <br>Open-1008 present. However, Risk Assessment reflects AUS?DU and should reflect Manual Underwriting - Due Diligence Vendor-12/27/2024 | Ready for Review-Document Uploaded. 1008 - Seller-12/31/2024<br>| Resolved-Updated 1008 provided. - Due Diligence Vendor-01/06/2025<br>| XXXX |  |  | PA | Investment | Purchase | NA | 3095403 | N/A | N/A |
| XXXX | xxxxxx4857 |  |  | Closed | 2024-12-23 08:01 | 2025-01-06 13:25 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-DSCR Worksheet provided. DSCR 1.926 - Due Diligence Vendor-01/06/2025 <br>Ready for Review-Document Uploaded. DSCR & 1008 - Seller-12/31/2024 <br>Open-Correctly calculated DSCR Ratio is Rent amount$16,300/PITIA$8,464.39=1.926 and Originator DSCR is =1.540. Variance is 0.386.<br> - Due Diligence Vendor-12/23/2024 | Ready for Review-Document Uploaded. DSCR & 1008 - Seller-12/31/2024<br>| Resolved-DSCR Worksheet provided. DSCR 1.926 - Due Diligence Vendor-01/06/2025<br>| XXXX |  |  | PA | Investment | Purchase | NA | 3064367 | N/A | N/A |
| XXXX | xxxxx2813 |  |  | Closed | 2025-01-09 13:28 | 2025-03-26 23:03 | Acknowledged | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Acknowledged-Per External Counsel Appropriate to Waive as a B Grade - Due Diligence Vendor-03/26/2025 <br>Waived- - Due Diligence Vendor-01/14/2025 <br>Waived- - Due Diligence Vendor-01/14/2025 <br>Waived-Per External Counsel Appropriate to Waive as a B Grade - Due Diligence Vendor-01/09/2025 <br>Open-The loan's (9.178%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.19%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.69%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/09/2025 |  | Acknowledged-Per External Counsel Appropriate to Waive as a B Grade - Due Diligence Vendor-03/26/2025 <br>Waived-Per External Counsel Appropriate to Waive as a B Grade - Due Diligence Vendor-01/09/2025<br>|  |  | Per External Counsel Appropriate to Waive as a B Grade | NC | Primary Residence | Purchase | NA | 3170413 | Investor Post-Close | No |
| XXXX | xxxxx2813 |  |  | Closed | 2025-01-09 13:28 | 2025-01-14 14:37 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 362 and the Final Closing disclosure on page 233 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 39, the appraisal disclosure was provided to the borrower(s)- see page 454 and copy of the appraisal was given to the borrower – see page 277. The loan meets HPML guidelines - Due Diligence Vendor-01/09/2025 <br>Open-The loan's (9.178%) APR equals or exceeds the Federal HPML threshold of (8.19%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.69%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/09/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 362 and the Final Closing disclosure on page 233 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 39, the appraisal disclosure was provided to the borrower(s)- see page 454 and copy of the appraisal was given to the borrower – see page 277. The loan meets HPML guidelines - Due Diligence Vendor-01/09/2025<br>|  |  |  | NC | Primary Residence | Purchase | NA | 3170412 | N/A | N/A |
| XXXX | xxxxx2813 |  |  | Closed | 2025-01-09 13:28 | 2025-01-14 14:36 | Resolved | 1 - Information C A | Compliance | Fees:Limited | North Carolina - Fees Limitation | Resolved-Updated Undisclose Rate - Due Diligence Vendor-01/14/2025 <br> Open-. - Due Diligence Vendor-01/14/2025 <br> Ready for Review-Document Uploaded. Loan was disclosed with 8.625% rate with no discount points at time of application on XXXX<br> Loan was locked at 8.250% rate on XXXX costing 1.055% discount. This is a bona fide discount point and should not be included in the test. - Seller-01/10/2025 <br> Open-Provide PCCD with lender credit or tolerance cure - Due Diligence Vendor-01/09/2025 <br> Open-Fees paid to lender exceed the threshold. Under the North Carolina Interest Provisions, on a first lien closed end loan less than $300,000, lender fees not specifically authorized by statute are limited to ($432.00), which is the greater of 1/4 of 1% of the loan amount or $150. The total amount of "lender fees not specifically authorized by statute" and included in the test is ($1,823.04). Fees excluded from the test: Application Fee, Application Deposit, Commitment (Rate Lock) Fee, Temporary Buydown Fee, Loan Origination Fee, "bona fide" Loan Discount, Prepaid Interest, and Interest Due on a Prior Loan. (N.C. Gen. Stat. 24-1.1A(c)(1); 24-8(d); 24-10(d)) . - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. Loan was disclosed with 8.625% rate with no discount points at time of application on XXXX<br> Loan was locked at 8.250% rate on XXXX costing 1.055% discount. This is a bona fide discount point and should not be included in the test. - Seller-01/10/2025 | Resolved-Updated Undisclose Rate - Due Diligence Vendor-01/14/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 3170411 | N/A | N/A |
| XXXX | xxxxx2813 |  |  | Closed | 2025-01-08 17:25 | 2025-01-14 14:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/09/2025 <br>Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/08/2025 <br>Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/09/2025 <br>Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 3164399 | N/A | N/A |
| XXXX | xxxxx2813 |  |  | Closed | 2025-01-09 13:28 | 2025-01-09 13:42 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Updated with COC page 223 - Due Diligence Vendor-01/09/2025 <br>Resolved- - Due Diligence Vendor-01/09/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Processing Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-01/09/2025 |  | Resolved-Updated with COC page 223 - Due Diligence Vendor-01/09/2025 <br>Resolved- - Due Diligence Vendor-01/09/2025<br>|  |  |  | NC | Primary Residence | Purchase | NA | 3170410 | N/A | N/A |
| XXXX | xxxxx2813 |  |  | Closed | 2025-01-04 03:01 | 2025-01-09 13:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/08/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-01/04/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Resolved-Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 3138557 | N/A | N/A |
| XXXX | xxxxx2813 |  |  | Closed | 2025-01-08 17:36 | 2025-01-09 13:14 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA (3) | Resolved-Per Investor, Appraisal well after incident date. Appraisal date of 11/27/2024 - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Appraisal well after incident date. - Seller-01/08/2025 <br> Open-Property potentially affected by FEMA Disaster XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required. - Due Diligence Vendor-01/08/2025 | Ready for Review-Appraisal well after incident date. - Seller-01/08/2025<br>| Resolved-Per Investor, Appraisal well after incident date. Appraisal date of 11/27/2024 - Due Diligence Vendor-01/09/2025<br>|  |  |  | NC | Primary Residence | Purchase | NA | 3164563 | N/A | N/A |
| XXXX | xxxxx2813 |  |  | Closed | 2025-01-08 16:34 | 2025-01-09 13:00 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/08/2025 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 3163657 | N/A | N/A |
| XXXX | xxxxx1624 |  |  | Closed | 2025-01-09 12:52 | 2025-01-14 12:51 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Updated Final CD - Due Diligence Vendor-01/14/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Document Preparation Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-01/14/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Document Preparation Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-01/14/2025 <br>Ready for Review-Document Uploaded. - Seller-01/10/2025 <br>Open-Provide the COC for the Loan Discount Points of 0.23% iao $465.69 - Due Diligence Vendor-01/09/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Document Preparation Fee, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. - Seller-01/10/2025<br>| Resolved-Updated Final CD - Due Diligence Vendor-01/14/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3170201 | N/A | N/A |
| XXXX | xxxxx1624 |  |  | Closed | 2025-01-09 12:52 | 2025-01-14 12:50 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 356 and the Final Closing disclosure on page 158 reflects escrows. Rate lock date was entered correctly – see page 361. An interior and exterior appraisal was completed for this property – see page 22, the appraisal disclosure was provided to the borrower(s)- see Disc FInding page 64 and copy of the appraisal was given to the borrower – see page 143. The loan meets HPML guidelines - Due Diligence Vendor-01/14/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 356 and the Final Closing disclosure on page 158 reflects escrows. Rate lock date was entered correctly – see page 361. An interior and exterior appraisal was completed for this property – see page 22, the appraisal disclosure was provided to the borrower(s)- see Disc FInding page 64 and copy of the appraisal was given to the borrower – see page 143. The loan meets HPML guidelines - Due Diligence Vendor-01/09/2025 <br>Open-The loan's (10.329%) APR equals or exceeds the Federal HPML threshold of (8.26%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.76%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/09/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 356 and the Final Closing disclosure on page 158 reflects escrows. Rate lock date was entered correctly – see page 361. An interior and exterior appraisal was completed for this property – see page 22, the appraisal disclosure was provided to the borrower(s)- see Disc FInding page 64 and copy of the appraisal was given to the borrower – see page 143. The loan meets HPML guidelines - Due Diligence Vendor-01/14/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 356 and the Final Closing disclosure on page 158 reflects escrows. Rate lock date was entered correctly – see page 361. An interior and exterior appraisal was completed for this property – see page 22, the appraisal disclosure was provided to the borrower(s)- see Disc FInding page 64 and copy of the appraisal was given to the borrower – see page 143. The loan meets HPML guidelines - Due Diligence Vendor-01/09/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3170202 | N/A | N/A |
| XXXX | xxxxx1624 |  |  | Closed | 2025-01-03 06:57 | 2025-01-09 13:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/09/2025 <br>Resolved-Initial 1003 received - Due Diligence Vendor-01/09/2025 <br>Open-The Initial 1003 is Missing Provide executed Initial 1003 - Due Diligence Vendor-01/03/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/09/2025 <br>Resolved-Initial 1003 received - Due Diligence Vendor-01/09/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3128843 | N/A | N/A |
| XXXX | xxxxx1624 |  |  | Closed | 2025-01-03 08:55 | 2025-01-09 12:58 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/08/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed disclosure - Due Diligence Vendor-01/03/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3129132 | N/A | N/A |
| XXXX | xxxxx1624 |  |  | Closed | 2025-01-03 08:42 | 2025-01-09 12:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE received - Due Diligence Vendor-01/09/2025 <br>Open-Provide Initial LE<br> - Due Diligence Vendor-01/03/2025 |  | Resolved-Initial LE received - Due Diligence Vendor-01/09/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3129106 | N/A | N/A |
| XXXX | xxxxx1624 |  |  | Closed | 2025-01-03 08:55 | 2025-01-09 12:39 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-ABA Received - Due Diligence Vendor-01/09/2025 <br>Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-01/03/2025 |  | Resolved-ABA Received - Due Diligence Vendor-01/09/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3129134 | N/A | N/A |
| XXXX | xxxxx1624 |  |  | Closed | 2025-01-03 08:53 | 2025-01-09 12:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit received - Due Diligence Vendor-01/09/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/09/2025 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-01/03/2025 |  | Resolved-Home Loan Toolkit received - Due Diligence Vendor-01/09/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/09/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3129127 | N/A | N/A |
| XXXX | xxxxx1624 |  |  | Closed | 2025-01-03 08:30 | 2025-01-09 12:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-HOC Received - Due Diligence Vendor-01/09/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/09/2025 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-01/03/2025 |  | Resolved-HOC Received - Due Diligence Vendor-01/09/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/09/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3129081 | N/A | N/A |
| XXXX | xxxxx1624 |  |  | Closed | 2025-01-07 19:10 | 2025-01-09 12:36 | Resolved | 1 - Information C A | Property | Property | Flip or Rapid Resale of Property | Resolved-Received Seller's Final Settlement Statement reflects acquisition date of XXXX. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. - Seller-01/08/2025 <br> Open-Per UW Notes. Seller acquired subject XXXX per final settlement statement provided excluding transaction from property flip/ 2nd appraisal requirements. Provide the Final Settlement Statement that is referenced. - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Resolved-Received Seller's Final Settlement Statement reflects acquisition date of XXXX. - Due Diligence Vendor-01/09/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 3156613 | N/A | N/A |
| XXXX | xxxxx1624 |  |  | Closed | 2025-01-07 19:34 | 2025-01-09 12:31 | Resolved | 1 - Information C A | Credit | Income | Loan files does not contain the required income documentation. | Resolved-Asset Worksheet received - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/08/2025 <br>Open-Asset Worksheet that is in the loan file is not of borrower's assets. Provide Asset Worksheet for the loan file - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Resolved-Asset Worksheet received - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3156864 | N/A | N/A |
| XXXX | xxxxx1624 |  |  | Closed | 2025-01-07 18:49 | 2025-01-09 12:29 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/08/2025 <br>Open-Provide E-Sign Consent Form. - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3156346 | N/A | N/A |
| XXXX | xxxxx0222 |  |  | Closed | 2024-12-30 10:19 | 2025-01-09 15:22 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-XXXX agrees to waive - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. XXXX approves exception. Ok to proceed. - Seller-01/07/2025 <br> Open-P&L income requires 2 mos bank stmts to support income and we are using 3 mo avg. Construction deposits can vary based on when projects are completed. 3 mos avg is $19,092 and tolerance is $20,888, being short tolerance $1,796 - Due Diligence Vendor-12/30/2024 | Ready for Review-Document Uploaded. XXXX approves exception. Ok to proceed. - Seller-01/07/2025 | Waived-XXXX agrees to waive - Due Diligence Vendor-01/09/2025 | XXXX |  | DTI is 35.2%. Maximum allowed per guidelines is 50%.<br> Borrower(s) have 11.63 months Reserves. Minimum required per guidelines is 6 months.<br> Residual Income is $8536.11. Minimum Residual Income required per guidelines is $1500.  | NJ | Primary Residence | Purchase | NA | 3099371 | Originator Post-Close | Yes |
| XXXX | xxxxx0222 |  |  | Closed | 2025-01-06 22:55 | 2025-01-09 15:21 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-Document accepted - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-provide the E-signature document - Due Diligence Vendor-01/06/2025 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-Document accepted - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3149847 | N/A | N/A |
| XXXX | xxxxx0222 |  |  | Closed | 2024-12-30 10:01 | 2025-01-06 22:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.199%) APR equals or exceeds the Federal HPML threshold of (8.19%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.69%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 272 and the Final Closing disclosure on Pg#'s 111 reflects escrows. Rate lock date was entered correctly – see Pg#'s 302 An interior and exterior appraisal was completed for this property – see pg 38 , the appraisal disclosure was provided to the borrower(s)- see Pg#'295, and copy of the appraisal was given to the borrower – see Pg#'s 31 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/30/2024 |  | Resolved-The loan's (9.199%) APR equals or exceeds the Federal HPML threshold of (8.19%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.69%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 272 and the Final Closing disclosure on Pg#'s 111 reflects escrows. Rate lock date was entered correctly – see Pg#'s 302 An interior and exterior appraisal was completed for this property – see pg 38 , the appraisal disclosure was provided to the borrower(s)- see Pg#'295, and copy of the appraisal was given to the borrower – see Pg#'s 31 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/30/2024<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3099318 | N/A | N/A |
| XXXX | xxxxx1357 |  |  | Closed | 2024-12-30 07:33 | 2025-01-09 16:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/09/2025 <br>Resolved-Lender provided Gap credit report. Finding resolved. - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/08/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap report required within 10 days - Due Diligence Vendor-12/30/2024 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/09/2025 <br>Resolved-Lender provided Gap credit report. Finding resolved. - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3099083 | N/A | N/A |
| XXXX | xxxxx1357 |  |  | Closed | 2024-12-30 06:33 | 2025-01-09 15:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Lender provided updated DOT and PUD rider. Finding resolved. - Due Diligence Vendor-01/09/2025 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/09/2025 <br>Resolved-Deed of Trust document provided. - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/08/2025 <br>Open-The Deed of Trust is Missing DOT Final is missing in file. - Due Diligence Vendor-12/30/2024 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Resolved-Lender provided updated DOT and PUD rider. Finding resolved. - Due Diligence Vendor-01/09/2025 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/09/2025 <br>Resolved-Deed of Trust document provided. - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3098949 | N/A | N/A |
| XXXX | xxxxx1357 |  |  | Closed | 2025-01-07 02:47 | 2025-01-09 15:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-Lender provided updated DOT with PUD rider. Finding resolved. - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/08/2025 <br>Open-Please provide PUD rider. - Due Diligence Vendor-01/07/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2025<br>| Resolved-Lender provided updated DOT with PUD rider. Finding resolved. - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3150355 | N/A | N/A |
| XXXX | xxxxx1357 |  |  | Closed | 2024-12-30 09:35 | 2024-12-30 09:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.463%) APR equals or exceeds the Federal HPML threshold of (8.19%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.69%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 596 and the Final Closing disclosure on Pg#'s 280 reflects escrows. Rate lock date was entered correctly – see Pg#'s 639. An interior and exterior appraisal was completed for this property – see pg 23-53 , the appraisal disclosure was provided to the borrower(s)- see Pg#'203,202 , and copy of the appraisal was given to the borrower – see Pg#'s 644 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/30/2024 |  | Resolved-The loan's (10.463%) APR equals or exceeds the Federal HPML threshold of (8.19%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.69%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 596 and the Final Closing disclosure on Pg#'s 280 reflects escrows. Rate lock date was entered correctly – see Pg#'s 639. An interior and exterior appraisal was completed for this property – see pg 23-53 , the appraisal disclosure was provided to the borrower(s)- see Pg#'203,202 , and copy of the appraisal was given to the borrower – see Pg#'s 644 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/30/2024<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3099263 | N/A | N/A |
| XXXX | xxxxx9677 |  |  | Closed | 2025-01-03 20:35 | 2025-01-08 12:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD and Disclosure Tracking Summary Received - Due Diligence Vendor-01/08/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, any related COC's and Disclosure Tracking Summary - Due Diligence Vendor-01/03/2025 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-Initial CD and Disclosure Tracking Summary Received - Due Diligence Vendor-01/08/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3136605 | N/A | N/A |
| XXXX | xxxxx9677 |  |  | Closed | 2025-01-08 11:59 | 2025-01-08 12:34 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 345 and the Final Closing disclosure on page 168 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 40, the appraisal disclosure was provided to the borrower(s)- see page 551-552 and copy of the appraisal was given to the borrower – see page 146, 149-153. The loan meets HPML guidelines. - Due Diligence Vendor-01/08/2025 <br>Open-The loan's (8.97%) APR equals or exceeds the Federal HPML threshold of (8.26%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.76%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/08/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 345 and the Final Closing disclosure on page 168 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 40, the appraisal disclosure was provided to the borrower(s)- see page 551-552 and copy of the appraisal was given to the borrower – see page 146, 149-153. The loan meets HPML guidelines. - Due Diligence Vendor-01/08/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3160881 | N/A | N/A |
| XXXX | xxxxx9677 |  |  | Closed | 2025-01-08 11:59 | 2025-01-08 12:32 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Wire Transfer Fee (Fee ID: 171) | Resolved-Updated Final CD - Due Diligence Vendor-01/08/2025 <br>Open-Wire Transfer Fee (Fee ID: 171) is not allowed to be charged to the Borrower and paid to the Lender or Affiliate in NJ under the New Jersey Mortgage Loans, Fees, Obligations Provisions. The New Jersey Mortgage Loans, Fees, Obligations Provisions do not allow this fee if paid to lender or affiliate instead of an unaffiliated third party provider. (N.J.A.C. 3:1-16.2. - Due Diligence Vendor-01/08/2025 |  | Resolved-Updated Final CD - Due Diligence Vendor-01/08/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3160875 | N/A | N/A |
| XXXX | xxxxx9677 |  |  | Closed | 2025-01-08 11:59 | 2025-01-08 12:32 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Updated Final CD - Due Diligence Vendor-01/08/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Wire Transfer Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-01/08/2025 |  | Resolved-Updated Final CD - Due Diligence Vendor-01/08/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3160876 | N/A | N/A |
| XXXX | xxxxx9677 |  |  | Closed | 2025-01-08 11:59 | 2025-01-08 12:32 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Resolved-Updated Final CD - Due Diligence Vendor-01/08/2025 <br>Open-Section 3:1-16.2 of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. 3:1-16.2) does not allow Document Preparation Fee (Fee ID: 104) to be charged to the Borrower in NJ. - Due Diligence Vendor-01/08/2025 |  | Resolved-Updated Final CD - Due Diligence Vendor-01/08/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3160877 | N/A | N/A |
| XXXX | xxxxx9677 |  |  | Closed | 2025-01-08 11:59 | 2025-01-08 12:32 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved-Updated Final CD - Due Diligence Vendor-01/08/2025 <br>Open-There are ($8.00) of fees paid to the lender disclosed under Loan Estimate Section C "Services You Can Shop For" or Closing Disclosure Section B "Services Borrower Did Shop For". Under Regulation Z, charges included under Section C on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer can shop and did shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(3); 12 CFR 1026.38(f)(3)) - Due Diligence Vendor-01/08/2025 |  | Resolved-Updated Final CD - Due Diligence Vendor-01/08/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3160878 | N/A | N/A |
| XXXX | xxxxx9677 |  |  | Closed | 2025-01-08 11:59 | 2025-01-08 12:32 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Wire Transfer Fee (Fee ID: 171) | Resolved-Updated Final CD - Due Diligence Vendor-01/08/2025 <br>Open-Wire Transfer Fee (Fee ID: 171) is not allowed to be charged to the Borrower and paid to the Lender in NJ under the New Jersey Mortgage Loans, Fees, Obligations Provisions. The New Jersey Mortgage Loans, Fees, Obligations Provisions do not allow this fee if paid to the lender instead of a third party provider. (N.J.A.C. 3:1-16.2. - Due Diligence Vendor-01/08/2025 |  | Resolved-Updated Final CD - Due Diligence Vendor-01/08/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3160879 | N/A | N/A |
| XXXX | xxxxx9677 |  |  | Closed | 2025-01-08 11:59 | 2025-01-08 12:32 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-Updated Revised LE dates - Due Diligence Vendor-01/08/2025 <br> Open-You submitted a Last Loan Estimate Received Date (XXXX) earlier than the Last Loan Estimate Date (XXXX). The System cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(e)) . - Due Diligence Vendor-01/08/2025 |  | Resolved-Updated Revised LE dates - Due Diligence Vendor-01/08/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3160880 | N/A | N/A |
| XXXX | xxxxx9677 |  |  | Closed | 2025-01-03 19:54 | 2025-01-08 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-01/08/2025 <br>Resolved-WVOE and tax returns used. - Due Diligence Vendor-01/08/2025 <br>Ready for Review-WVOE and tax returns used. - Seller-01/07/2025 <br>Open-Borrower 1 Paystubs Missing Per Matrix, the following documents are required for ITIN borrowers:<br> ✓ YTD Paystubs<br> ✓ 1 Year W-2<br> ✓ Full Written VOE<br> ✓ 1 Year Personal Tax Returns<br> ✓ 1 Year IRS 1040 Transcripts<br> Provide YTD Paystubs - Due Diligence Vendor-01/03/2025 | Ready for Review-WVOE and tax returns used. - Seller-01/07/2025<br>| Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-01/08/2025 <br>Resolved-WVOE and tax returns used. - Due Diligence Vendor-01/08/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3136089 | N/A | N/A |
| XXXX | xxxxx9677 |  |  | Closed | 2025-01-03 19:54 | 2025-01-08 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-01/08/2025 <br>Resolved-WVOE and tax returns used. - Due Diligence Vendor-01/08/2025 <br>Ready for Review-WVOE and tax returns used. - Seller-01/07/2025 <br>Open-Borrower 1 W2/1099 Missing Per Matrix, the following documents are required for ITIN borrowers:<br> ✓ YTD Paystubs<br> ✓ 1 Year W-2<br> ✓ Full Written VOE<br> ✓ 1 Year Personal Tax Returns<br> ✓ 1 Year IRS 1040 Transcripts<br> Provide 1 Year W-2 - Due Diligence Vendor-01/03/2025 | Ready for Review-WVOE and tax returns used. - Seller-01/07/2025<br>| Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-01/08/2025 <br>Resolved-WVOE and tax returns used. - Due Diligence Vendor-01/08/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3136090 | N/A | N/A |
| XXXX | xxxxx9677 |  |  | Closed | 2025-01-03 20:28 | 2025-01-08 11:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/08/2025 <br>Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-01/08/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-01/03/2025 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/08/2025 <br>Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-01/08/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3136489 | N/A | N/A |
| XXXX | xxxxx9677 |  |  | Closed | 2025-01-03 19:46 | 2025-01-08 11:28 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-01/08/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-01/03/2025 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-01/08/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3135965 | N/A | N/A |
| XXXX | xxxxx1618 |  |  | Closed | 2025-01-09 15:21 | 2025-01-16 13:11 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 681 and the Final Closing disclosure on page 316 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 187, the appraisal disclosure was provided to the borrower(s)- see page 823, 824 and copy of the appraisal was given to the borrower – see page 566-567. The loan meets HPML guidelines - Due Diligence Vendor-01/09/2025 <br>Open-The loan's (8.917%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/09/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 681 and the Final Closing disclosure on page 316 reflects escrows. Rate lock date was entered correctly – see Findings. An interior and exterior appraisal was completed for this property – see page 187, the appraisal disclosure was provided to the borrower(s)- see page 823, 824 and copy of the appraisal was given to the borrower – see page 566-567. The loan meets HPML guidelines - Due Diligence Vendor-01/09/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3171695 | N/A | N/A |
| XXXX | xxxxx1618 |  |  | Closed | 2025-01-09 15:21 | 2025-01-16 13:00 | Resolved | 1 - Information C A | Compliance | Fees:Limited | New Jersey - Recording Service Fee (MLFOP)(First Lien) | Resolved-PCCD received with refund to borrower iao $55.00 - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. - Seller-01/14/2025 <br>Open-See Section C Recording Services iao $50.00 - Due Diligence Vendor-01/09/2025 <br>Open-You charged a ($50.00) Recording Service Fee. The New Jersey Residential Mortgage Loans, Fees, Obligations Provisions limit the amount of the additional service fee for recording a cancellation of a mortgage to $25. (N.J.A.C. 3:1-16.2(a)(9)) . - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2025<br>| Resolved-PCCD received with refund to borrower iao $55.00 - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3171693 | N/A | N/A |
| XXXX | xxxxx1618 |  |  | Closed | 2025-01-09 15:21 | 2025-01-16 12:59 | Resolved | 1 - Information C A | Compliance | Mavent | NJ Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Resolved-PCCD received with refund to borrower iao $55.00 - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. - Seller-01/14/2025 <br>Open-See Section C Doc Prep Fee iao $30 - Due Diligence Vendor-01/09/2025 <br>Open-Section 3:1-16.2 of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. 3:1-16.2) does not allow Document Preparation Fee (Fee ID: 104) to be charged to the Borrower in NJ. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2025<br>| Resolved-PCCD received with refund to borrower iao $55.00 - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3171692 | N/A | N/A |
| XXXX | xxxxx1618 |  |  | Closed | 2024-12-30 04:02 | 2025-01-09 15:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure and Disclosure Tracking Summary received - Due Diligence Vendor-01/09/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure, any related COC's and Disclosure Tracking Summary - Due Diligence Vendor-12/30/2024 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-Initial Closing Disclosure and Disclosure Tracking Summary received - Due Diligence Vendor-01/09/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3098684 | N/A | N/A |
| XXXX | xxxxx1618 |  |  | Closed | 2025-01-09 15:21 | 2025-01-09 15:29 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date | Resolved-Corrected dated to 12/10/2024 - Due Diligence Vendor-01/09/2025 <br> Open-The Last Loan Estimate was provided on (XXXX) which is on or after (XXXX), the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (12 CFR 1026.19(e)(4)(ii)) . - Due Diligence Vendor-01/09/2025 |  | Resolved-Corrected dated to 12/10/2024 - Due Diligence Vendor-01/09/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3171694 | N/A | N/A |
| XXXX | xxxxx1618 |  |  | Closed | 2025-01-03 18:53 | 2025-01-08 14:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/08/2025 <br>Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-01/08/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-01/03/2025 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/08/2025 <br>Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-01/08/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3135101 | N/A | N/A |
| XXXX | xxxxx1618 |  |  | Closed | 2025-01-03 18:49 | 2025-01-08 14:12 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved- E-Sign Consent Forms received - Due Diligence Vendor-01/08/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-01/03/2025 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved- E-Sign Consent Forms received - Due Diligence Vendor-01/08/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3135047 | N/A | N/A |
| XXXX | xxxxx0970 |  |  | Closed | 2025-01-13 23:23 | 2025-01-16 13:24 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-Sign Consent Form received - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. - Seller-01/15/2025 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-01/13/2025 | Ready for Review-Document Uploaded. - Seller-01/15/2025<br>| Resolved-E-Sign Consent Form received - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3197859 | N/A | N/A |
| XXXX | xxxxx0970 |  |  | Closed | 2025-01-08 03:46 | 2025-01-13 23:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.633%) APR equals or exceeds the Federal HPML threshold of (8.19%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.69%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 581 and the Final Closing disclosure on Pg# 200 reflects escrows. Rate lock date was entered correctly see Pg.'s 670 An interior and exterior appraisal was completed for this property – see pg. 66 the appraisal disclosure was provided to the borrower(s)- see Pg#798 and copy of the appraisal was given to the borrower see Pg# 306. The loan meets HPML guidelines.<br> - Due Diligence Vendor-01/08/2025 |  | Resolved-The loan's (9.633%) APR equals or exceeds the Federal HPML threshold of (8.19%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.69%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 581 and the Final Closing disclosure on Pg# 200 reflects escrows. Rate lock date was entered correctly see Pg.'s 670 An interior and exterior appraisal was completed for this property – see pg. 66 the appraisal disclosure was provided to the borrower(s)- see Pg#798 and copy of the appraisal was given to the borrower see Pg# 306. The loan meets HPML guidelines.<br> - Due Diligence Vendor-01/08/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3159687 | N/A | N/A |
| XXXX | xxxxx2762 |  |  | Closed | 2025-01-16 11:50 | 2025-01-21 16:58 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Updated naming convention on PCCD for Loan Discount Points - Due Diligence Vendor-01/21/2025 <br>Open-. - Due Diligence Vendor-01/21/2025 <br>Resolved-COC received - Due Diligence Vendor-01/21/2025 <br>Ready for Review-Document Uploaded. - Seller-01/17/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide the COC for the addition of the Loan Discount Fee of 0.89% on the Initial CD iao $3404.25 - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. - Seller-01/17/2025<br>| Resolved-Updated naming convention on PCCD for Loan Discount Points - Due Diligence Vendor-01/21/2025 <br>Resolved-COC received - Due Diligence Vendor-01/21/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3217601 | N/A | N/A |
| XXXX | xxxxx2762 |  |  | Closed | 2025-01-16 11:50 | 2025-01-21 16:58 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 791 and the Final Closing disclosure on page 572 reflects escrows. Rate lock date was entered correctly – see page 889. An interior and exterior appraisal was completed for this property – see page 74, the appraisal disclosure was provided to the borrower(s)- see Disc Finding page 66 and copy of the appraisal was given to the borrower – see page 949. The loan meets HPML guidelines. - Due Diligence Vendor-01/16/2025 <br>Open-The loan's (9.43%) APR equals or exceeds the Federal HPML threshold of (8.19%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.69%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/16/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 791 and the Final Closing disclosure on page 572 reflects escrows. Rate lock date was entered correctly – see page 889. An interior and exterior appraisal was completed for this property – see page 74, the appraisal disclosure was provided to the borrower(s)- see Disc Finding page 66 and copy of the appraisal was given to the borrower – see page 949. The loan meets HPML guidelines. - Due Diligence Vendor-01/16/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3217602 | N/A | N/A |
| XXXX | xxxxx2762 |  |  | Closed | 2025-01-08 03:54 | 2025-01-16 12:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/16/2025 <br>Open-The Initial 1003 is Missing Provide Initial 1003 - Due Diligence Vendor-01/08/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/16/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3159699 | N/A | N/A |
| XXXX | xxxxx2762 |  |  | Closed | 2025-01-08 06:38 | 2025-01-16 12:04 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-ABA received - Due Diligence Vendor-01/16/2025 <br>Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-01/08/2025 |  | Resolved-ABA received - Due Diligence Vendor-01/16/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3160052 | N/A | N/A |
| XXXX | xxxxx2762 |  |  | Closed | 2025-01-08 06:39 | 2025-01-16 12:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE received - Due Diligence Vendor-01/16/2025 <br>Open-Provide Initial LE - Due Diligence Vendor-01/08/2025 |  | Resolved-Initial LE received - Due Diligence Vendor-01/16/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3160057 | N/A | N/A |
| XXXX | xxxxx2762 |  |  | Closed | 2025-01-13 20:19 | 2025-01-16 12:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure received - Due Diligence Vendor-01/16/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/16/2025 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-01/13/2025 |  | Resolved-Homeownership Counseling Disclosure received - Due Diligence Vendor-01/16/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/16/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3195804 | N/A | N/A |
| XXXX | xxxxx2762 |  |  | Closed | 2025-01-13 20:18 | 2025-01-16 12:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit received - Due Diligence Vendor-01/16/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/16/2025 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-01/13/2025 |  | Resolved-Home Loan Toolkit received - Due Diligence Vendor-01/16/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/16/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3195798 | N/A | N/A |
| XXXX | xxxxx2762 |  |  | Closed | 2025-01-08 06:38 | 2025-01-16 11:30 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved- Intent to Proceed Disclosure received - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. - Seller-01/15/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/15/2025<br>| Resolved- Intent to Proceed Disclosure received - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3160053 | N/A | N/A |
| XXXX | xxxxx2762 |  |  | Closed | 2025-01-13 20:19 | 2025-01-16 11:28 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved- E-Sign Consent Form received - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. - Seller-01/15/2025 <br>Open-Provide E-Sign Consent Form - Due Diligence Vendor-01/13/2025 | Ready for Review-Document Uploaded. - Seller-01/15/2025<br>| Resolved- E-Sign Consent Form received - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3195807 | N/A | N/A |
| XXXX | xxxxx2762 |  |  | Closed | 2025-01-08 03:56 | 2025-01-16 07:41 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document provided. - Due Diligence Vendor-01/16/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. - Seller-01/15/2025 <br>Open-The 1008 document is missing from the loan file. Provide 1008 - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-01/15/2025<br>| Resolved-1008 document provided. - Due Diligence Vendor-01/16/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3159704 | N/A | N/A |
| XXXX | xxxxx0140 |  |  | Closed | 2025-01-06 13:27 | 2025-01-16 18:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-the CD was provided - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. - Seller-01/14/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure missing from file. - Due Diligence Vendor-01/06/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2025<br>| Resolved-the CD was provided - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3142037 | N/A | N/A |
| XXXX | xxxxx0140 |  |  | Closed | 2025-01-16 18:35 | 2025-01-16 18:55 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _423___ and the Final Closing disclosure on Pg#'s _553___ reflects escrows. Rate lock date was entered correctly – see Pg#'s ___470__ An interior and exterior appraisal was completed for this property – see pg 56____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__514_ , and copy of the appraisal was given to the borrower – see Pg#'s __289___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/16/2025 <br>Open-The loan's (11.131%) APR equals or exceeds the Federal HPML threshold of (8.28%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.78%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-01/16/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _423___ and the Final Closing disclosure on Pg#'s _553___ reflects escrows. Rate lock date was entered correctly – see Pg#'s ___470__ An interior and exterior appraisal was completed for this property – see pg 56____ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__514_ , and copy of the appraisal was given to the borrower – see Pg#'s __289___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/16/2025<br>|  |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3223302 | N/A | N/A |
| XXXX | xxxxx0140 |  |  | Closed | 2025-01-16 18:35 | 2025-01-16 18:41 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-01/16/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-01/16/2025 |  | Resolved- - Due Diligence Vendor-01/16/2025<br>|  |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3223301 | N/A | N/A |
| XXXX | xxxxx0140 |  |  | Closed | 2025-01-06 21:40 | 2025-01-16 18:29 | Resolved | 1 - Information C A | Credit | Credit | Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA | Resolved-appraisal was completed on 10/31/24 and there is no damage to the property. - Due Diligence Vendor-01/16/2025 <br> Ready for Review-Appraisal completed well after incident date. - Seller-01/14/2025 <br> Open-Property potentially affected by FEMA Disaster ID XXXX with an Incident End Date ofXXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence Vendor-01/06/2025 | Ready for Review-Appraisal completed well after incident date. - Seller-01/14/2025<br>| Resolved-appraisal was completed on 10/31/24 and there is no damage to the property. - Due Diligence Vendor-01/16/2025 |  |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3149130 | N/A | N/A |
| XXXX | xxxxx0140 |  |  | Closed | 2025-01-06 13:25 | 2025-01-16 18:17 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. - Seller-01/14/2025 <br>Open-Housing History Does Not Meet Guideline Requirements B1 lives in current address for own. Unable to verify 12 months housing history. Need VOM or Property report to verify housing history.<br> - Due Diligence Vendor-01/06/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2025<br>| Resolved-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3142021 | N/A | N/A |
| XXXX | xxxxx0140 |  |  | Closed | 2025-01-10 23:42 | 2025-01-16 18:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate lock provided - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. - Seller-01/14/2025 <br>Open-provide the rate lock - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2025<br>| Resolved-Rate lock provided - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3187566 | N/A | N/A |
| XXXX | xxxxx0140 |  |  | Closed | 2025-01-10 23:42 | 2025-01-16 18:07 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-E-signature documents provided - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. - Seller-01/14/2025 <br>Open-provide the e-signature document - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2025<br>| Resolved-E-signature documents provided - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3187564 | N/A | N/A |
| XXXX | xxxxx1610 |  |  | Closed | 2025-01-05 03:02 | 2025-06-29 21:09 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Received affiliated business disclosure for this loan. Finding has been resolved and cleared. - Due Diligence Vendor-06/29/2025 <br>Resolved- - Due Diligence Vendor-01/15/2025 <br>Open-Affiliated Business Arrangement Disclosure Statement is Missing - Due Diligence Vendor-01/05/2025 |  | Resolved-Received affiliated business disclosure for this loan. Finding has been resolved and cleared. - Due Diligence Vendor-06/29/2025<br>|  |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3139621 | N/A | N/A |
| XXXX | xxxxx1610 |  |  | Closed | 2025-01-09 16:22 | 2025-06-29 21:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received LE for this loan. Finding has been resolved and cleared. - Due Diligence Vendor-06/29/2025 <br>Resolved- - Due Diligence Vendor-01/15/2025 <br>Open-Initial LE is missing in file as well as any revised LEs and COCs - Due Diligence Vendor-01/09/2025 |  | Resolved-Received LE for this loan. Finding has been resolved and cleared. - Due Diligence Vendor-06/29/2025<br>|  |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3172614 | N/A | N/A |
| XXXX | xxxxx1610 |  |  | Closed | 2025-01-05 02:12 | 2025-01-21 19:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Resolved-Audited CLTV of 78.43% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-01/15/2025 <br>Open-. - Due Diligence Vendor-01/15/2025 <br>Rescinded-Audited CLTV of 78.43% exceeds Guideline CLTV of 75% updated as per Guidelines. LTV finding created. - Due Diligence Vendor-01/05/2025 |  | Resolved-Audited CLTV of 78.43% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-01/15/2025 <br>Rescinded-Audited CLTV of 78.43% exceeds Guideline CLTV of 75% updated as per Guidelines. LTV finding created. - Due Diligence Vendor-01/05/2025<br>|  |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3139597 | N/A | N/A |
| XXXX | xxxxx1610 |  |  | Closed | 2025-01-05 02:12 | 2025-01-21 19:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HLTV of 78.43% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-01/15/2025 <br>Open- - Due Diligence Vendor-01/15/2025 <br>Rescinded-Audited HLTV of 78.43% exceeds Guideline HCLTV of 75% updated as per Guidelines. LTV finding created. - Due Diligence Vendor-01/05/2025 |  | Resolved-Audited HLTV of 78.43% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-01/15/2025 <br>Rescinded-Audited HLTV of 78.43% exceeds Guideline HCLTV of 75% updated as per Guidelines. LTV finding created. - Due Diligence Vendor-01/05/2025<br>|  |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3139598 | N/A | N/A |
| XXXX | xxxxx1610 |  |  | Closed | 2025-01-05 00:09 | 2025-01-15 13:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/15/2025 <br>Open-The Initial 1003 is Missing Initial 1003 for borrower 1 is present io file but not signed by originator and initial 1003 for B2 is completely missing from file. Provide B1 document with originator signature and provide B2 Initial 1003 document. - Due Diligence Vendor-01/05/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/15/2025<br>|  |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3139556 | N/A | N/A |
| XXXX | xxxxx1610 |  |  | Closed | 2025-01-15 13:40 | 2025-01-15 13:42 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _258___ and the Final Closing disclosure on Pg#'s _126___ reflects escrows. Rate lock date was entered correctly – see Pg#'s ___280__ An interior and exterior appraisal was completed for this property – see pg _65___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s___90 , and copy of the appraisal was given to the borrower – see Pg#'s __53___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/15/2025 <br>Open-The loan's (8.897%) APR equals or exceeds the Federal HPML threshold of (8.26%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.76%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/15/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _258___ and the Final Closing disclosure on Pg#'s _126___ reflects escrows. Rate lock date was entered correctly – see Pg#'s ___280__ An interior and exterior appraisal was completed for this property – see pg _65___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s___90 , and copy of the appraisal was given to the borrower – see Pg#'s __53___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/15/2025<br>|  |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3208753 | N/A | N/A |
| XXXX | xxxxx1610 |  |  | Closed | 2025-01-15 13:40 | 2025-01-15 13:42 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _258___ and the Final Closing disclosure on Pg#'s _126___ reflects escrows. Rate lock date was entered correctly – see Pg#'s ___280__ An interior and exterior appraisal was completed for this property – see pg _65___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s___90 , and copy of the appraisal was given to the borrower – see Pg#'s __53___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/15/2025 <br>Open-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.897%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.26%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.76%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/15/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _258___ and the Final Closing disclosure on Pg#'s _126___ reflects escrows. Rate lock date was entered correctly – see Pg#'s ___280__ An interior and exterior appraisal was completed for this property – see pg _65___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s___90 , and copy of the appraisal was given to the borrower – see Pg#'s __53___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-01/15/2025<br>|  |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3208752 | N/A | N/A |
| XXXX | xxxxx1610 |  |  | Closed | 2025-01-09 16:24 | 2025-01-15 13:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. - Seller-01/14/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD is not signed - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2025<br>|  | XXXX |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3172639 | N/A | N/A |
| XXXX | xxxxx1610 |  |  | Closed | 2025-01-05 03:04 | 2025-01-15 13:32 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP provided - Due Diligence Vendor-01/15/2025 <br>Ready for Review-Document Uploaded. - Seller-01/14/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure. Required on Primary Residence - Due Diligence Vendor-01/05/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2025<br>| Resolved-ITP provided - Due Diligence Vendor-01/15/2025<br>| XXXX |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3139622 | N/A | N/A |
| XXXX | xxxxx1610 |  |  | Closed | 2025-01-09 15:58 | 2025-01-15 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-01/15/2025 <br>Ready for Review-WVOE and tax returns used. - Seller-01/14/2025 <br>Open-Borrower 1 Paystubs Missing Per guidelines for ITIN borrower paystubs are required - Due Diligence Vendor-01/09/2025 | Ready for Review-WVOE and tax returns used. - Seller-01/14/2025<br>| Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-01/15/2025<br>|  |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3172170 | N/A | N/A |
| XXXX | xxxxx1610 |  |  | Closed | 2025-01-09 15:58 | 2025-01-15 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-01/15/2025 <br>Ready for Review-WVOE and tax returns used. - Seller-01/14/2025 <br>Open-Borrower 1 W2/1099 Missing - Due Diligence Vendor-01/09/2025 | Ready for Review-WVOE and tax returns used. - Seller-01/14/2025<br>| Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-01/15/2025<br>|  |  | Per guidelines for ITIN borrower W2 is required | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3172171 | N/A | N/A |
| XXXX | xxxxx1610 |  |  | Closed | 2025-01-09 15:58 | 2025-01-15 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Paystubs Missing | Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/15/2025 <br>Ready for Review-WVOE and tax returns used. - Seller-01/14/2025 <br>Open-Borrower 2 Paystubs Missing Per guidelines for ITIN borrower paystubs are required - Due Diligence Vendor-01/09/2025 | Ready for Review-WVOE and tax returns used. - Seller-01/14/2025<br>| Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/15/2025<br>|  |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3172172 | N/A | N/A |
| XXXX | xxxxx1610 |  |  | Closed | 2025-01-09 15:58 | 2025-01-15 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/15/2025 <br>Ready for Review-WVOE and tax returns used. - Seller-01/14/2025 <br>Open-Borrower 2 W2/1099 Missing Per guidelines for ITIN borrower W2 is required - Due Diligence Vendor-01/09/2025 | Ready for Review-WVOE and tax returns used. - Seller-01/14/2025<br>| Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-01/15/2025<br>|  |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3172173 | N/A | N/A |
| XXXX | xxxxx1610 |  |  | Closed | 2025-01-09 15:50 | 2025-01-14 21:08 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-Document sufficient - Due Diligence Vendor-01/14/2025 <br>Ready for Review-Document Uploaded. - Seller-01/14/2025 <br>Open-E-consent form is missing - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2025<br>| Resolved-Document sufficient - Due Diligence Vendor-01/14/2025<br>| XXXX |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3172084 | N/A | N/A |
| XXXX | xxxxx2902 |  |  | Closed | 2025-01-16 12:36 | 2025-01-16 12:40 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 396 and the Final Closing disclosure on page 265 reflects escrows. Rate lock date was entered correctly – see page 426. An interior and exterior appraisal was completed for this property – see page 32, the appraisal disclosure was provided to the borrower(s)- see page 517 and copy of the appraisal was given to the borrower – see page 220. The loan meets HPML guidelines. - Due Diligence Vendor-01/16/2025 <br>Open-The loan's (11.196%) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/16/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 396 and the Final Closing disclosure on page 265 reflects escrows. Rate lock date was entered correctly – see page 426. An interior and exterior appraisal was completed for this property – see page 32, the appraisal disclosure was provided to the borrower(s)- see page 517 and copy of the appraisal was given to the borrower – see page 220. The loan meets HPML guidelines. - Due Diligence Vendor-01/16/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3217786 | N/A | N/A |
| XXXX | xxxxx2902 |  |  | Closed | 2025-01-05 07:14 | 2025-01-16 12:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. - Seller-01/14/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-01/05/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2025<br>| Resolved-Initial CD, related COC and Disclosure Tracking Summary received - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3139735 | N/A | N/A |
| XXXX | xxxxx2902 |  |  | Closed | 2025-01-09 19:45 | 2025-01-14 19:06 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-Document is sufficient - Due Diligence Vendor-01/14/2025 <br>Ready for Review-Document Uploaded. - Seller-01/14/2025 <br>Open-Provide E-Sign Consent Form. - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2025<br>| Resolved-Document is sufficient - Due Diligence Vendor-01/14/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3175327 | N/A | N/A |
| XXXX | xxxxx2902 |  |  | Closed | 2025-01-05 07:19 | 2025-01-09 20:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Approved<br> Exception Approval on XXXX on page 439<br> Exception Reason: Reserves- Loan File 2.99 months, GL Requirement 3 months - Due Diligence Vendor-01/05/2025 |  | Waived-Exception Approved<br> Exception Approval on XXXX on page 439<br> Exception Reason: Reserves- Loan File 2.99 months, GL Requirement 3 months - Due Diligence Vendor-01/05/2025 |  |  | DTI i- Loan File 36.44%, GL Requirement Maximum 50%.<br> Credit Score - Loan File 647, GL Requirement Minimum 620.<br> Residual Income - Loan File $9668.81, GL Requirement Minimum $1500 + $150 x 3 dependents= $1950. <br> Job Stability- Loan File 5 years, GL Requirement 1 year | NJ | Primary Residence | Purchase | NA | 3139739 | Originator Pre-Close | Yes |
| XXXX | xxxxx1385 |  |  | Closed | 2025-01-21 12:15 | 2025-01-21 12:34 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 556 and the Final Closing disclosure on page 311 reflects escrows. Rate lock date was entered correctly – see page 574. An interior and exterior appraisal was completed for this property – see page 17, 99, the appraisal disclosure was provided to the borrower(s)- see Disc Finding pg 82 and copy of the appraisal was given to the borrower – see page 220-223, 227-230. The loan meets HPML guidelines. - Due Diligence Vendor-01/21/2025 <br>Open-The loan's (9.803%) APR equals or exceeds the Federal HPML threshold of (8.38%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.88%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-01/21/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 556 and the Final Closing disclosure on page 311 reflects escrows. Rate lock date was entered correctly – see page 574. An interior and exterior appraisal was completed for this property – see page 17, 99, the appraisal disclosure was provided to the borrower(s)- see Disc Finding pg 82 and copy of the appraisal was given to the borrower – see page 220-223, 227-230. The loan meets HPML guidelines. - Due Diligence Vendor-01/21/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3242746 | N/A | N/A |
| XXXX | xxxxx1385 |  |  | Closed | 2025-01-21 12:15 | 2025-01-21 12:22 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: Fees | Resolved-Updated Final CD - Due Diligence Vendor-01/21/2025 <br>Open-The loan fees ($15,153.75) exceed the (NJ) High Cost fee limit, which is ($15,108.75), the difference is ($45.00). - Due Diligence Vendor-01/21/2025 |  | Resolved-Updated Final CD - Due Diligence Vendor-01/21/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3242745 | N/A | N/A |
| XXXX | xxxxx1385 |  |  | Closed | 2025-01-09 05:50 | 2025-01-21 11:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- Revised LE's, Initial CD, related COC's and Disclosure Tracking Summary received - Due Diligence Vendor-01/21/2025 <br>Ready for Review-Document Uploaded. - Seller-01/16/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. - Seller-01/16/2025<br>| Resolved- Revised LE's, Initial CD, related COC's and Disclosure Tracking Summary received - Due Diligence Vendor-01/21/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3169251 | N/A | N/A |
| XXXX | xxxxx1385 |  |  | Closed | 2025-01-15 13:53 | 2025-01-21 11:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit received - Due Diligence Vendor-01/21/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/21/2025 <br>Open-Provide Home Loan Toolkit - Due Diligence Vendor-01/15/2025 |  | Resolved-Home Loan Toolkit received - Due Diligence Vendor-01/21/2025 <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-01/21/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3208859 | N/A | N/A |
| XXXX | xxxxx1385 |  |  | Closed | 2025-01-15 13:53 | 2025-01-21 11:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-HOC received - Due Diligence Vendor-01/21/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/21/2025 <br>Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-01/15/2025 |  | Resolved-HOC received - Due Diligence Vendor-01/21/2025 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/21/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3208856 | N/A | N/A |
| XXXX | xxxxx1385 |  |  | Closed | 2025-01-09 04:11 | 2025-01-21 11:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 received - Due Diligence Vendor-01/21/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/21/2025 <br>Open-The Initial 1003 is Missing Provide Initial 1003 - Due Diligence Vendor-01/09/2025 |  | Resolved-Initial 1003 received - Due Diligence Vendor-01/21/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/21/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3169040 | N/A | N/A |
| XXXX | xxxxx1385 |  |  | Closed | 2025-01-09 05:48 | 2025-01-21 11:50 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-ABA received - Due Diligence Vendor-01/21/2025 <br>Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-01/09/2025 |  | Resolved-ABA received - Due Diligence Vendor-01/21/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3169244 | N/A | N/A |
| XXXX | xxxxx1385 |  |  | Closed | 2025-01-09 05:51 | 2025-01-21 11:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial LE received - Due Diligence Vendor-01/21/2025 <br>Open-Provide Initial LE - Due Diligence Vendor-01/09/2025 |  | Resolved-Initial LE received - Due Diligence Vendor-01/21/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 3169252 | N/A | N/A |
| XXXX | xxxxx1385 |  |  | Closed | 2025-01-09 05:48 | 2025-01-21 11:11 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-01/21/2025 <br>Ready for Review-Document Uploaded. - Seller-01/16/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-01/09/2025 | Ready for Review-Document Uploaded. - Seller-01/16/2025<br>| Resolved-Intent to Proceed Disclosure received - Due Diligence Vendor-01/21/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3169245 | N/A | N/A |
| XXXX | xxxxx1385 |  |  | Closed | 2025-01-15 15:09 | 2025-01-16 13:57 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved- E-Sign Consent Forms received - Due Diligence Vendor-01/16/2025 <br>Ready for Review-Document Uploaded. - Seller-01/15/2025 <br>Open-Provide E-Sign Consent Form. - Due Diligence Vendor-01/15/2025 | Ready for Review-Document Uploaded. - Seller-01/15/2025<br>| Resolved- E-Sign Consent Forms received - Due Diligence Vendor-01/16/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 3209645 | N/A | N/A |
| XXXX | xxxxx1487 |  |  | Closed | 2025-01-24 14:36 | 2025-01-30 20:34 | Waived | 2 - Non-Material C B | Credit | Credit | Reserve requirement was not met | Waived-Exception approved - Due Diligence Vendor-01/30/2025 <br> Ready for Review-XXXX approves. Ok to proceed. - Seller-01/29/2025 <br> Open-Made exception on pg 385 for min subject months reserves: Required reserves per Matrix are 2, Actual reserves are 5.6 which meets GL's required Reserves - Due Diligence Vendor-01/24/2025 | Ready for Review-XXXX approves. Ok to proceed. - Seller-01/29/2025 | Waived-Exception approved - Due Diligence Vendor-01/30/2025<br>|  |  | Comp Factors:<br> 1- 38.86% DTI - 50% maximum<br> 2- 706 FICO score - 700 FICO score - minimum<br> 3- $4566 Residual income - $1500 minimum<br>| FL | Primary Residence | Purchase | NA | 3275002 | Originator Pre-Close | Yes |
| XXXX | xxxxx1487 |  |  | Closed | 2025-01-29 21:46 | 2025-01-30 20:30 | Resolved | 1 - Information B A | Compliance | Compliance | Deficient E-Sign Form. | Resolved-provided E-signature document - Due Diligence Vendor-01/30/2025 <br>Ready for Review-Document Uploaded. - Seller-01/29/2025 <br>Open-Provide the E-signature document - Due Diligence Vendor-01/29/2025 | Ready for Review-Document Uploaded. - Seller-01/29/2025<br>| Resolved-provided E-signature document - Due Diligence Vendor-01/30/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3311315 | N/A | N/A |
| XXXX | xxxxx1487 |  |  | Closed | 2025-01-24 08:32 | 2025-01-24 08:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.247%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 366 and the Final Closing disclosure on Pg 182 reflects escrows. Rate lock date was entered correctly – see Pg 405 An interior and exterior appraisal was completed for this property – see pg 76 to 82 the appraisal disclosure was provided to the borrower(s)- see Pg 395, and copy of the appraisal was given to the borrower – see Pg 66 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-01/24/2025 |  | Resolved-The loan's (10.247%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 366 and the Final Closing disclosure on Pg 182 reflects escrows. Rate lock date was entered correctly – see Pg 405 An interior and exterior appraisal was completed for this property – see pg 76 to 82 the appraisal disclosure was provided to the borrower(s)- see Pg 395, and copy of the appraisal was given to the borrower – see Pg 66 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-01/24/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3273408 | N/A | N/A |
| XXXX | xxxxx1667 |  |  | Closed | 2025-01-21 08:46 | 2025-01-29 19:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided Revised LE issued 12/3. Finding resolved. - Due Diligence Vendor-01/29/2025 <br>Ready for Review-Document Uploaded. - Seller-01/28/2025 <br>Counter-Revised LE issued 12/3 is missing from file as confirmed via Disclosure tracking provided. Finding countered. - Due Diligence Vendor-01/24/2025 <br>Open-Initial Loan Estimate is missing in the file - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. - Seller-01/28/2025<br>| Resolved-Lender provided Revised LE issued XXXX. Finding resolved. - Due Diligence Vendor-01/29/2025 | XXXX |  |  | NV | Primary Residence | Purchase | NA | 3242274 | N/A | N/A |
| XXXX | xxxxx1667 |  |  | Closed | 2025-01-21 06:20 | 2025-01-29 19:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Lender provided Initial 1003. Finding resolved. - Due Diligence Vendor-01/29/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/29/2025 <br>Ready for Review-Document Uploaded. - Seller-01/28/2025 <br>Open-The Initial 1003 is Missing in the file - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. - Seller-01/28/2025<br>| Resolved-Lender provided Initial 1003. Finding resolved. - Due Diligence Vendor-01/29/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-01/29/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 3242021 | N/A | N/A |
| XXXX | xxxxx1667 |  |  | Closed | 2025-01-21 08:54 | 2025-01-29 07:55 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-HOA Questionnaire provided. - Due Diligence Vendor-01/29/2025 <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-01/29/2025 <br>Ready for Review-Document Uploaded. - Seller-01/28/2025 <br>Open-HOA Questionnaire is Missing or Partial. Provided Questionnaire details not matching with appraisal report, especially No total units, No Units Sold, - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. - Seller-01/28/2025<br>| Resolved-HOA Questionnaire provided. - Due Diligence Vendor-01/29/2025 <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-01/29/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 3242300 | N/A | N/A |
| XXXX | xxxxx1667 |  |  | Closed | 2025-01-21 08:47 | 2025-01-24 15:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided all Closing disclosures as confirmed via disclosure tracking provided. Finding resolved. - Due Diligence Vendor-01/24/2025 <br>Ready for Review-Document Uploaded. - Seller-01/23/2025 <br>Open-TRID: Missing Closing Disclosure Signed Initial CD is missing in the file and if any fee are increased form initial LE to CD required COC as well - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. - Seller-01/23/2025<br>| Resolved-Lender provided all Closing disclosures as confirmed via disclosure tracking provided. Finding resolved. - Due Diligence Vendor-01/24/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 3242284 | N/A | N/A |
| XXXX | xxxxx1667 |  |  | Closed | 2025-01-21 08:50 | 2025-01-24 15:20 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Lender provided fully executed initial disclosure package including Affiliated Business Disclosure. Finding resolved. - Due Diligence Vendor-01/24/2025 <br>Open-Primary purchase transaction required 'Affiliated Business Disclosure' which is missing in the file<br> - Due Diligence Vendor-01/21/2025 |  | Resolved-Lender provided fully executed initial disclosure package including Affiliated Business Disclosure. Finding resolved. - Due Diligence Vendor-01/24/2025<br>|  |  |  | NV | Primary Residence | Purchase | NA | 3242287 | N/A | N/A |
| XXXX | xxxxx1667 |  |  | Closed | 2025-01-21 07:37 | 2025-01-24 15:20 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Lender provided fully executed initial disclosure package including intent to proceed. Finding resolved. - Due Diligence Vendor-01/24/2025 <br>Ready for Review-Document Uploaded. - Seller-01/23/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure - Due Diligence Vendor-01/21/2025 | Ready for Review-Document Uploaded. - Seller-01/23/2025<br>| Resolved-Lender provided fully executed initial disclosure package including intent to proceed. Finding resolved. - Due Diligence Vendor-01/24/2025<br>| XXXX |  |  | NV | Primary Residence | Purchase | NA | 3242137 | N/A | N/A |
| XXXX | xxxxx1667 |  |  | Closed | 2025-01-21 08:49 | 2025-01-24 15:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Lender provided fully executed initial disclosure package including housing counselor list. Finding resolved. - Due Diligence Vendor-01/24/2025 <br>Open-Primary purchase transaction required Homeownership counseling disclosure which is missing in the file <br> - Due Diligence Vendor-01/21/2025 |  | Resolved-Lender provided fully executed initial disclosure package including housing counselor list. Finding resolved. - Due Diligence Vendor-01/24/2025<br>|  |  |  | NV | Primary Residence | Purchase | NA | 3242286 | N/A | N/A |
| XXXX | xxxxx1667 |  |  | Closed | 2025-01-21 08:48 | 2025-01-24 15:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Lender provided fully executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-01/24/2025 <br>Open-Primary purchase transaction required 'Your Home Loan Tool Kit' which is missing in the file - Due Diligence Vendor-01/21/2025 |  | Resolved-Lender provided fully executed initial disclosure package including home loan toolkit. Finding resolved. - Due Diligence Vendor-01/24/2025<br>|  |  |  | NV | Primary Residence | Purchase | NA | 3242285 | N/A | N/A |
| XXXX | xxxxx1667 |  |  | Closed | 2025-01-21 08:32 | 2025-01-24 15:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Lender provided fully executed initial disclosure package including written service provider list. Finding resolved. - Due Diligence Vendor-01/24/2025 <br>Open-Services provider list is missing in the file - Due Diligence Vendor-01/21/2025 |  | Resolved-Lender provided fully executed initial disclosure package including written service provider list. Finding resolved. - Due Diligence Vendor-01/24/2025<br>|  |  |  | NV | Primary Residence | Purchase | NA | 3242256 | N/A | N/A |
| XXXX | xxxxx1667 |  |  | Closed | 2025-01-29 19:49 | 2025-01-29 19:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.11%) APR equals or exceeds the Federal HPML threshold of (8.26%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.76%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 574 and the Final Closing disclosure on Pg. 267 reflects escrows. Rate lock date was entered correctly – see Pg. 592. An interior and exterior appraisal was completed for this property – see Pg. 138, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 124for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/29/2025 |  | Resolved-The loan's (9.11%) APR equals or exceeds the Federal HPML threshold of (8.26%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.76%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 574 and the Final Closing disclosure on Pg. 267 reflects escrows. Rate lock date was entered correctly – see Pg. 592. An interior and exterior appraisal was completed for this property – see Pg. 138, the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. in finding, p. 124for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-01/29/2025<br>|  |  |  | NV | Primary Residence | Purchase | NA | 3309638 | N/A | N/A |
| XXXX | xxxxx2735 |  |  | Closed | 2025-01-28 11:31 | 2025-02-05 19:54 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Updated Disclosure Entries as per Disclosure Tracking Summary - Due Diligence Vendor-02/05/2025 <br>Ready for Review-Document Uploaded. - Seller-02/04/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Commitment (Rate Lock) Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Broker Fees increased and Commitment (Rate Lock) Fee was added on the Revised LE's. Provide COC's for each of the fees - Due Diligence Vendor-01/28/2025 | Ready for Review-Document Uploaded. - Seller-02/04/2025<br>| Resolved-Updated Disclosure Entries as per Disclosure Tracking Summary - Due Diligence Vendor-02/05/2025<br>| XXXX |  |  | PA | Primary Residence | Refinance | Cash Out - Other | 3293953 | N/A | N/A |
| XXXX | xxxxx2735 |  |  | Closed | 2025-02-03 20:40 | 2025-02-05 19:54 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Updated Disclosure Entries as per Disclosure Tracking Summary - Due Diligence Vendor-02/05/2025 <br> Ready for Review-Document Uploaded. - Seller-02/04/2025 <br> Open-The total amount of the 10% category fees ($227.50) has increased by more than 10% over the current baseline value of ($134.00). The total amount of fees in the 10% category cannot exceed ($147.40). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Recording Fees – Mortgage/Deed of Trust) increaser from $134 to $227.50. Provide tolerance cure - Due Diligence Vendor-02/03/2025 | Ready for Review-Document Uploaded. - Seller-02/04/2025<br>| Resolved-Updated Disclosure Entries as per Disclosure Tracking Summary - Due Diligence Vendor-02/05/2025<br>| XXXX |  |  | PA | Primary Residence | Refinance | Cash Out - Other | 3339993 | N/A | N/A |
| XXXX | xxxxx2735 |  |  | Closed | 2025-01-28 11:31 | 2025-02-05 19:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.228%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 378 and the Final Closing disclosure on Pg 180 reflects escrows. Rate lock date was entered correctly – see Pg 421. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg 535-537, and copy of the appraisal was given to the borrower – see Pg 73. The loan meets HPML guidelines. - Due Diligence Vendor-02/05/2025 <br>Resolved-The loan's (10.228%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 378 and the Final Closing disclosure on Pg 180 reflects escrows. Rate lock date was entered correctly – see Pg 421. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg 535-537, and copy of the appraisal was given to the borrower – see Pg 73. The loan meets HPML guidelines. - Due Diligence Vendor-01/28/2025 |  | Resolved-The loan's (10.228%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 378 and the Final Closing disclosure on Pg 180 reflects escrows. Rate lock date was entered correctly – see Pg 421. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg 535-537, and copy of the appraisal was given to the borrower – see Pg 73. The loan meets HPML guidelines. - Due Diligence Vendor-02/05/2025 <br>Resolved-The loan's (10.228%) APR equals or exceeds the Federal HPML threshold of (8.27%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.77%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 378 and the Final Closing disclosure on Pg 180 reflects escrows. Rate lock date was entered correctly – see Pg 421. An interior and exterior appraisal was completed for this property – see pg 32, the appraisal disclosure was provided to the borrower(s)- see Pg 535-537, and copy of the appraisal was given to the borrower – see Pg 73. The loan meets HPML guidelines. - Due Diligence Vendor-01/28/2025<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Other | 3293957 | N/A | N/A |
| XXXX | xxxxx2894 |  |  | Closed | 2025-01-27 06:58 | 2025-01-31 16:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.98%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 383 and the Final Closing disclosure on Pg#'s 176 reflects escrows. Rate lock date was entered correctly – see Pg#'s 428 An interior and exterior appraisal was completed for this property – see pg 34 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 512 and copy of the appraisal was given to the borrower – see Pg#'s 146 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/27/2025 |  | Resolved-The loan's (9.98%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 383 and the Final Closing disclosure on Pg#'s 176 reflects escrows. Rate lock date was entered correctly – see Pg#'s 428 An interior and exterior appraisal was completed for this property – see pg 34 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 512 and copy of the appraisal was given to the borrower – see Pg#'s 146 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-01/27/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3283369 | N/A | N/A |
| XXXX | xxxxxx2784 |  |  | Closed | 2025-02-04 13:50 | 2025-02-06 16:00 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.211%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) Resolved - Due Diligence Vendor-02/06/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _537___ and the Final Closing disclosure on Pg#'s _224___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __675___ An interior and exterior appraisal was completed for this property – see pg __80__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s___831 , and copy of the appraisal was given to the borrower – see Pg#'s __69___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/04/2025 <br>Open-The loan's (9.215%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) The loan's (9.215%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%) - Due Diligence Vendor-02/04/2025 |  | Resolved-The loan's (9.211%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) Resolved - Due Diligence Vendor-02/06/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _537___ and the Final Closing disclosure on Pg#'s _224___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __675___ An interior and exterior appraisal was completed for this property – see pg __80__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s___831 , and copy of the appraisal was given to the borrower – see Pg#'s __69___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-02/04/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3344142 | N/A | N/A |
| XXXX | xxxxxx2784 |  |  | Closed | 2025-01-24 08:54 | 2025-02-04 13:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided - Due Diligence Vendor-02/04/2025 <br>Ready for Review-Document Uploaded. ICD attached. - Buyer-01/30/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD missing, required to run the Mavent. - Due Diligence Vendor-01/24/2025 |  | Resolved-Initial CD provided - Due Diligence Vendor-02/04/2025<br>| XXXX |  |  | OH | Primary Residence | Purchase | NA | 3273457 | N/A | N/A |
| XXXX | xxxxxx2978 |  |  | Closed | 2025-01-27 13:21 | 2025-02-25 07:23 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Resolved as we have 12 Months of Rent receipts present in file, Page #93, 116, 134, 151, 168, 185, 206, 259, 298-309, 438 & from VOR we can verify 2 Months. - Due Diligence Vendor-02/25/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. 12 months Mortgage history uploaded for review - Buyer-02/24/2025 <br>Open-Housing History Does Not Meet Guideline Requirements As per VOR primary mortgage rent history was 1 month per VOR provided. 6 months reserves are required for borrowers with less than 12 months verified and a 10% minimum borrower contribution. Only 3 months reserves are provided in file. An exception was not provided - Due Diligence Vendor-01/27/2025 |  | Resolved-Resolved as we have 12 Months of Rent receipts present in file, Page #93, 116, 134, 151, 168, 185, 206, 259, 298-309, 438 & from VOR we can verify 2 Months. - Due Diligence Vendor-02/25/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/25/2025<br>| XXXX |  |  | MO | Primary Residence | Purchase | NA | 3284254 | N/A | N/A |
| XXXX | xxxxxx2978 |  |  | Closed | 2025-01-29 20:31 | 2025-02-07 13:41 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/07/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-02/06/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount - Due Diligence Vendor-01/29/2025 |  | Resolved-Title Coverage Amount of $450400 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/07/2025<br>| XXXX |  |  | MO | Primary Residence | Purchase | NA | 3310242 | N/A | N/A |
| XXXX | xxxxxx2978 |  |  | Closed | 2025-01-29 20:38 | 2025-02-07 13:40 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Proof of gift funds provided - Due Diligence Vendor-02/07/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-02/06/2025 <br>Open-Gift on page 448 is not reflected on bank statements or final CD. A copy of the wire was not provided - Due Diligence Vendor-01/29/2025 |  | Resolved-Proof of gift funds provided - Due Diligence Vendor-02/07/2025<br>| XXXX |  |  | MO | Primary Residence | Purchase | NA | 3310390 | N/A | N/A |
| XXXX | xxxxxx2978 |  |  | Closed | 2025-01-27 11:13 | 2025-01-29 21:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.192%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 463 doc and the Final Closing disclosure on Pg# 317 reflects escrows. Rate lock date was entered correctly see Pg# lock pg 482 An interior and exterior appraisal was completed for this property – see Page# 15 the appraisal disclosure was provided to the borrower(s)- see Pg# 289 , and copy of the appraisal was given to the borrower see Pg# 8for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-01/27/2025 |  | Resolved-The loan's (10.192%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 463 doc and the Final Closing disclosure on Pg# 317 reflects escrows. Rate lock date was entered correctly see Pg# lock pg 482 An interior and exterior appraisal was completed for this property – see Page# 15 the appraisal disclosure was provided to the borrower(s)- see Pg# 289 , and copy of the appraisal was given to the borrower see Pg# 8for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-01/27/2025<br>|  |  |  | MO | Primary Residence | Purchase | NA | 3283755 | N/A | N/A |
| XXXX | xxxxxx3838 |  |  | Closed | 2025-02-06 07:48 | 2025-02-20 01:57 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-1007 states that the vacancy factor is at 2% = $3430-2529 house payment = $901 rent loss. Finding resolved. - Due Diligence Vendor-02/20/2025 <br>Ready for Review-Document Uploaded. - Seller-02/14/2025 <br>Open-Audited DTI Exceeds Guideline DTI Audited DTI exceeds guidelines DTI due to income and rental income discrepancy.<br> 1) Calculated income is $30,985.65(Calc sheet on #509) whereas 1003 has higher income of $31,652.45. provide updated 1003 with correct income<br> 2) Borrower converted Primary into Investment and purchasing primary. Net rental income not calculated in final 1003 for property- 12422 Falconbridge (1007 provided with rent of $3,500 on page#31 Net rental = $3,500\*75%-$2,529-$356-174 (HOA) = -$434) - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. - Seller-02/14/2025<br>| Resolved-1007 states that the vacancy factor is at 2% = $3430-2529 house payment = $901 rent loss. Finding resolved. - Due Diligence Vendor-02/20/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3362590 | N/A | N/A |
| XXXX | xxxxxx3838 |  |  | Closed | 2025-02-06 06:26 | 2025-02-18 21:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/18/2025 <br> Ready for Review-Document Uploaded. - Seller-02/14/2025 <br> Open-The Final 1003 is Missing 1) Calculated income is $XXXX(Calc sheet on #509) whereas 1003 has higher income of $31,652.45. provide updated 1003 with correct income<br> 2) Borrower converted Primary into Investment and purchasing primary. Net rental income not calculated in final 1003 for property- XXXX (1007 provided with rent of $3,500 on page#31 Net rental = $3,500\*75%-$2,529-$356-174 (HOA) = -$434) - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. - Seller-02/14/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-02/18/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3362400 | N/A | N/A |
| XXXX | xxxxxx3838 |  |  | Closed | 2025-02-06 08:08 | 2025-02-18 20:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lender provided updated lock confirmation. Finding resolved. - Due Diligence Vendor-02/18/2025 <br>Ready for Review-Document Uploaded. - Seller-02/14/2025 <br>Open-Evidence of Rate Lock Missing Lock confirmation on page#455 reflects 12 months personal bank statement whereas loan has business bank statements. provide updated lock and approval - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. - Seller-02/14/2025<br>| Resolved-Lender provided updated lock confirmation. Finding resolved. - Due Diligence Vendor-02/18/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3362647 | N/A | N/A |
| XXXX | xxxxxx3838 |  |  | Closed | 2025-02-06 06:20 | 2025-02-18 07:09 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 provided with Corrected Income. - Due Diligence Vendor-02/18/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/18/2025 <br> Ready for Review-Document Uploaded. - Buyer-02/14/2025 <br> Open-The 1008 document is missing from the loan file. Income calculated is XXXX (calculation sheet on page#509) whereas 1008 has higher income of $XXXX Provide updated 1008 with correct income - Due Diligence Vendor-02/06/2025 |  | Resolved-Updated 1008 provided with Corrected Income. - Due Diligence Vendor-02/18/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/18/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3362382 | N/A | N/A |
| XXXX | xxxxxx3838 |  |  | Closed | 2025-02-04 05:59 | 2025-02-13 02:01 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Lender provided proof of sale from Seller's CD. Finding resolved. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. ARe you inlcuding sale of the home-see final CD - Seller-02/11/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Assets are not sufficient for required reserves, for B1 amount of $XXXX updated in final 1003 but as per latest bank stmt of #XXXX amount is $XXXX only. and for for B2 we have $XXXX of retire funds but no statements provided. provide additional Assets - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. ARe you inlcuding sale of the home-see final CD - Seller-02/11/2025<br>| Resolved-Lender provided proof of sale from Seller's CD. Finding resolved. - Due Diligence Vendor-02/13/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3342505 | N/A | N/A |
| XXXX | xxxxxx3838 |  |  | Closed | 2025-02-04 11:40 | 2025-02-13 01:53 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Summaries of Transaction discrepancy | Resolved-Lender provided updated PC CD. Finding resolved. - Due Diligence Vendor-02/13/2025 <br> Ready for Review-Document Uploaded. PCCD shows the amount - Buyer-02/12/2025 <br> Open-We have Gift amount of $XXXX directly sent to settlement agent account as per gift letter and confirmation of wire at pages #179, 250 but under final CD amount of $XXXX not reflecting, we need post CD. - Due Diligence Vendor-02/04/2025 |  | Resolved-Lender provided updated PC CD. Finding resolved. - Due Diligence Vendor-02/13/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3343350 | N/A | N/A |
| XXXX | xxxxxx3838 |  |  | Closed | 2025-02-04 05:55 | 2025-02-13 01:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Non-Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 409, and the Final Closing disclosure on Pg#'s 186, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 455,. An interior and exterior appraisal was completed for this property – see pg# 56, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 533, and confirmation the appraisal was delivered to the borrower – see Pg#'s 50. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/13/2025 <br>Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.416%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (9.13%). The System determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (6.63%). The System applied this threshold because this ($1,184,000.00) loan exceeds ($1,149,825.00), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(ii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 409, and the Final Closing disclosure on Pg#'s 186, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 455,. An interior and exterior appraisal was completed for this property – see pg# 56, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 533, and confirmation the appraisal was delivered to the borrower – see Pg#'s 50. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/04/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 409, and the Final Closing disclosure on Pg#'s 186, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 455,. An interior and exterior appraisal was completed for this property – see pg# 56, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 533, and confirmation the appraisal was delivered to the borrower – see Pg#'s 50. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/13/2025 <br>Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.416%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (9.13%). The System determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (6.63%). The System applied this threshold because this ($1,184,000.00) loan exceeds ($1,149,825.00), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(ii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 409, and the Final Closing disclosure on Pg#'s 186, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 455,. An interior and exterior appraisal was completed for this property – see pg# 56, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 533, and confirmation the appraisal was delivered to the borrower – see Pg#'s 50. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/04/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3342491 | N/A | N/A |
| XXXX | xxxxxx3838 |  |  | Closed | 2025-02-04 05:55 | 2025-02-13 01:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Non-Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 409, and the Final Closing disclosure on Pg#'s 186, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 455,. An interior and exterior appraisal was completed for this property – see pg# 56, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 533, and confirmation the appraisal was delivered to the borrower – see Pg#'s 50. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/13/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 409, and the Final Closing disclosure on Pg#'s 186, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 455,. An interior and exterior appraisal was completed for this property – see pg# 56, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 533, and confirmation the appraisal was delivered to the borrower – see Pg#'s 50. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/13/2025 <br>Resolved-The loan's (9.416%) APR equals or exceeds the Federal HPML threshold of (9.13%). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (6.63%). The System applied this threshold because this ($1,184,000.00) loan exceeds ($1,149,825.00), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 409, and the Final Closing disclosure on Pg#'s 186, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 455,. An interior and exterior appraisal was completed for this property – see pg# 56, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 533, and confirmation the appraisal was delivered to the borrower – see Pg#'s 50. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/04/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 409, and the Final Closing disclosure on Pg#'s 186, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 455,. An interior and exterior appraisal was completed for this property – see pg# 56, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 533, and confirmation the appraisal was delivered to the borrower – see Pg#'s 50. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/13/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 409, and the Final Closing disclosure on Pg#'s 186, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 455,. An interior and exterior appraisal was completed for this property – see pg# 56, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 533, and confirmation the appraisal was delivered to the borrower – see Pg#'s 50. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/13/2025 <br>Resolved-The loan's (9.416%) APR equals or exceeds the Federal HPML threshold of (9.13%). The system determines the threshold by adding 2.5 points to the comparable average prime offer rate index of (6.63%). The System applied this threshold because this ($1,184,000.00) loan exceeds ($1,149,825.00), which is the Freddie Mac conforming loan limit as of the date the loan's interest rate was set before consummation. (12 CFR 1026.35(a)(1)(ii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 409, and the Final Closing disclosure on Pg#'s 186, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 455,. An interior and exterior appraisal was completed for this property – see pg# 56, , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 533, and confirmation the appraisal was delivered to the borrower – see Pg#'s 50. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/04/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3342492 | N/A | N/A |
| XXXX | xxxx5037 |  |  | Closed | 2025-02-10 22:34 | 2025-02-11 20:48 | Resolved | 1 - Information C A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Business purpose loan -- Borrower wasn't charged enough for per diem -- in borrowers benefit -- ok to rescind - Due Diligence Vendor-02/11/2025 <br> Ready for Review-the Deed is required to be recorded prior to disbursing (closing date) so the notary would acknowledge the document before escrow would disburse. - Seller-02/11/2025 <br> Open-Final HUD-1 Closing Date of XXXX is not the same date as the Notary Acknowledgement Date of XXXX. The prepaid interest start date is XXXX, whereas Notary date is XXXX. - Due Diligence Vendor-02/10/2025 | Ready for Review-the Deed is required to be recorded prior to disbursing (closing date) so the notary would acknowledge the document before escrow would disburse. - Seller-02/11/2025<br>| Resolved-Business purpose loan -- Borrower wasn't charged enough for per diem -- in borrowers benefit -- ok to rescind - Due Diligence Vendor-02/11/2025<br>|  |  |  | CA | Investment | Refinance | Cash Out - Other | 3391816 | N/A | N/A |
| XXXX | xxxx5037 |  |  | Closed | 2025-02-06 23:45 | 2025-02-11 20:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-02/11/2025 <br>Ready for Review-Document Uploaded. - Seller-02/11/2025 <br>Counter-The borrowers Drivers License page 316 is expired. The Patriot Act form does not match the expiration. Requesting updated Drivers License or Identification card. - Due Diligence Vendor-02/10/2025 <br>Ready for Review-Document Uploaded. - Seller-02/07/2025 <br>Open-The borrowers Drivers License page 316 is expired. The Patriot Act form does not match the expiration. - Due Diligence Vendor-02/06/2025 | Ready for Review-Document Uploaded. - Seller-02/11/2025 <br>Ready for Review-Document Uploaded. - Seller-02/07/2025<br>| Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-02/11/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3371317 | N/A | N/A |
| XXXX | xxxx5037 |  |  | Closed | 2025-02-04 12:17 | 2025-02-10 22:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/10/2025 <br> Ready for Review-Document Uploaded. - Seller-02/07/2025 <br> Open-Final HUD-1 Document is Missing. Settlement date and disbursement dates are missing on settlement statement which is on Page# 11, however prepaid interest start date is XXXX, whereas Notary date is XXXX. - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. - Seller-02/07/2025<br>| Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-02/10/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3343520 | N/A | N/A |
| XXXX | xxxx5037 |  |  | Closed | 2025-02-04 12:30 | 2025-02-06 23:25 | Waived | 2 - Non-Material B | Credit | Credit | DSCR is less than 1.00 | Waived-Exception to do a cash out loan with a DSCR < 1.0.<br> Lender exception form on pg#84 - Due Diligence Vendor-02/04/2025 |  | Waived-Exception to do a cash out loan with a DSCR < 1.0.<br> Lender exception form on pg#84 - Due Diligence Vendor-02/04/2025<br>|  |  | 1. LTV is 60%. Maximum allowed per guidelines is 75%.<br> 2.Credit Score is 748. Minimum required per guidelines is 660.<br>| CA | Investment | Refinance | Cash Out - Other | 3343583 | Originator Pre-Close | Yes |
| XXXX | xxxxxx4481 |  |  | Closed | 2025-02-06 06:52 | 2025-02-07 12:21 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Updated credit page. - Due Diligence Vendor-02/07/2025 <br>Ready for Review-Document Uploaded. Mortgage Statement for the subject property and credit report showing payment history uploaded for review. - Buyer-02/06/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Required 12 months housing history. - Due Diligence Vendor-02/06/2025 |  | Resolved-Updated credit page. - Due Diligence Vendor-02/07/2025<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 3362463 | N/A | N/A |
| XXXX | xxxxxx4481 |  |  | Closed | 2025-02-06 05:41 | 2025-02-07 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial Business Purpose Affidavit Disclosure provided. - Due Diligence Vendor-02/07/2025 <br>Ready for Review-Document Uploaded. Bus Pur Disclosures uploaded for review. - Buyer-02/06/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial Business Purpose Affidavit is missing in file. - Due Diligence Vendor-02/06/2025 |  | Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial Business Purpose Affidavit Disclosure provided. - Due Diligence Vendor-02/07/2025<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 3362276 | N/A | N/A |
| XXXX | xxxxxx4237 |  |  | Closed | 2025-02-06 09:22 | 2025-02-12 12:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Exception - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. Please see the attached exception - Buyer-02/10/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Exception approve for 1x30 mtg late with UWM XXXX. Per bwr LOX this was an <br> isolated oversight and credit does show this to be isolated with the bwr having extensive credit depth <br> paid as agreed and scores in the 700s. Exception approval is subject to DSCR >1 on both properties (2 <br> for same bwr), 6 mo PITIA reserves on each subject property, and no additional mortgage lates <br> through closing. - Due Diligence Vendor-02/06/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception - Due Diligence Vendor-02/12/2025<br>| XXXX |  | 1.Strong FICO - Credit Score is 741. Minimum required per guidelines is 740.<br> 2.Repeat investor-purchasing investment with funds from refi <br> 3.Low LTV - LTV is 80%. Maximum allowed per guidelines is 80%. | AZ | Investment | Purchase | NA | 3362764 | Originator Pre-Close | Yes |
| XXXX | xxxxxx2845 |  |  | Closed | 2025-02-07 08:51 | 2025-02-07 08:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.353%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 350 and the Final Closing disclosure on Pg#'s 127, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 371. An interior and exterior appraisal was completed for this property – see pg 12, ECOA Appraisal Disclosure OR the LE's page as the page#366 and pg#11. The loan meets HPML guidelines. - Due Diligence Vendor-02/07/2025 |  | Resolved-The loan's (9.353%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 350 and the Final Closing disclosure on Pg#'s 127, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 371. An interior and exterior appraisal was completed for this property – see pg 12, ECOA Appraisal Disclosure OR the LE's page as the page#366 and pg#11. The loan meets HPML guidelines. - Due Diligence Vendor-02/07/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3372645 | N/A | N/A |
| XXXX | xxxxxx4262 |  |  | Closed | 2025-02-06 10:20 | 2025-02-14 10:28 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Resolved as requested Secondary valuation provided.<br> - Due Diligence Vendor-02/14/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/14/2025 <br>Ready for Review-Document Uploaded. CDA uploaded for review. - Buyer-02/13/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Please provide secondary valuation information. - Due Diligence Vendor-02/07/2025 |  | Resolved-Resolved as requested Secondary valuation provided.<br> - Due Diligence Vendor-02/14/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-02/14/2025<br>| XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 3362853 | N/A | N/A |
| XXXX | xxxxxx0837 |  |  | Closed | 2025-02-11 05:59 | 2025-02-28 09:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Borrower 1 ITIN Information | Resolved-Borrower is not ITIN, passport provided. Resolved - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. 4.6 ITIN BORROWERS<br> Individual Taxpayer Identification Number (ITIN) borrowers are individuals with an ITIN who reside and work<br> within the United States but do not possess U.S. citizenship. ITIN borrowers are eligible for primary and second<br> home occupancy under select products and programs of the Non-Prime Program only. See the XXXX for additional information and restrictions.<br> 4.6.1 VERIFICATION OF RESIDENCY STATUS<br> The following documentation is required for all ITIN borrowers:<br> Ÿ Unexpired ITIN card or letter from IRS assigning the ITIN to the borrower prior to application<br> Ÿ Unexpired government photo ID (driver's license, passport, visa, etc.)<br> Ÿ One item of supplemental documentation (birth certificate, tax return, W-2, tax bill, or utility bill)<br> If a non-U.S. citizen is borrowing with a U.S. citizen, it does not eliminate the residency requirements listed<br> above. Citizens of XX are ineligible for XX programs. - Buyer-02/27/2025 <br> Open-Borrower 1 ITIN information Missing. Please provide acceptable documentation. - Due Diligence Vendor-02/11/2025 |  | Resolved-Borrower is not ITIN, passport provided. Resolved - Due Diligence Vendor-02/28/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 3393307 | N/A | N/A |
| XXXX | xxxxxx2179 |  |  | Closed | 2025-02-13 03:45 | 2025-03-13 23:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception Approved - Due Diligence Vendor-03/13/2025 <br>Unable to Resolve-Unable to Resolve-Dh approves exception for LTV. Comp Factors: 718 FICO, 0x30 on prior mortgage, 19% HDTI, $6471 residual income. - Seller-03/12/2025 <br>Open-Audited LTV of 85% exceeds Guideline LTV of 80% Subject property Location is 'Rural'. Max LTV is 80% per G/Ls. Audited CLTV of 85% exceeds Guideline CLTV of 80% - Due Diligence Vendor-02/13/2025 | Unable to Resolve-Unable to Resolve-Dh approves exception for LTV. Comp Factors: 718 FICO, 0x30 on prior mortgage, 19% HDTI, $6471 residual income. - Seller-03/12/2025<br>| Waived-Exception Approved - Due Diligence Vendor-03/13/2025<br>|  |  | 718 FICO<br> 19% HDTI<br> $6471 residual income | IA | Primary Residence | Purchase | NA | 3412697 | Investor Post-Close | No |
| XXXX | xxxxxx2179 |  |  | Closed | 2025-02-13 02:54 | 2025-02-27 12:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC provided. - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. - Seller-02/26/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for Revised LE as Points - Loan Discount Fee, Loan Origination Fee increased from Initial LE to Revised LE. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. - Seller-02/26/2025<br>| Resolved-COC provided. - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | IA | Primary Residence | Purchase | NA | 3412666 | N/A | N/A |
| XXXX | xxxxxx2179 |  |  | Closed | 2025-02-12 19:50 | 2025-02-27 12:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Gap credit on fraud guard - Seller-02/26/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Borrower 1 Gap Credit Report which is Missing from loan file.<br> - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. Gap credit on fraud guard - Seller-02/26/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | IA | Primary Residence | Purchase | NA | 3410234 | N/A | N/A |
| XXXX | xxxxxx2179 |  |  | Closed | 2025-02-13 02:54 | 2025-02-13 02:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (11.011%) APR equals or exceeds the Federal HPML threshold of (8.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.98%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s636 and the Final Closing disclosure on Pg#'s322-327, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'711. An interior and exterior appraisal was completed for this property – see pg#37, the appraisal waiver disclosure was provided to the borrower(s)- see Pg#'s82, and confirmation the appraisal was delivered to the borrower – see Pg#'s797. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/13/2025 |  | Resolved-The loan's (11.011%) APR equals or exceeds the Federal HPML threshold of (8.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.98%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s636 and the Final Closing disclosure on Pg#'s322-327, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'711. An interior and exterior appraisal was completed for this property – see pg#37, the appraisal waiver disclosure was provided to the borrower(s)- see Pg#'s82, and confirmation the appraisal was delivered to the borrower – see Pg#'s797. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/13/2025<br>|  |  |  | IA | Primary Residence | Purchase | NA | 3412667 | N/A | N/A |
| XXXX | xxxxx1243 |  |  | Closed | 2025-02-21 19:05 | 2025-02-24 14:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final 1003 - Due Diligence Vendor-02/24/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. - Seller-02/21/2025 <br>Open-The Final 1003 is Incomplete Final 1003 is present; however, UW Notes and P&L Statement reflect Income iao $20,158. 1008 and Final 1003 reflect Income iao $8,000. Provide updated Final 1003 - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. - Seller-02/21/2025<br>| Resolved-Updated Final 1003 - Due Diligence Vendor-02/24/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 3464004 | N/A | N/A |
| XXXX | xxxxx1243 |  |  | Closed | 2025-02-21 19:04 | 2025-02-24 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/24/2025 <br> Resolved-Updated 1008 received - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. - Seller-02/21/2025 <br> Open-The 1008 document is missing from the loan file. 1008 is present; however, UW Notes and P&L Statement reflect Income iao $20,158. 1008 and Final 1003 reflect Income iao $8,000. Provide updated 1008 - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. - Seller-02/21/2025<br>| Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-02/24/2025 <br>Resolved-Updated 1008 received - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 3463997 | N/A | N/A |
| XXXX | xxxxx1243 |  |  | Closed | 2025-02-21 19:29 | 2025-02-24 14:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-02/24/2025 <br>Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. - Seller-02/21/2025 <br>Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. - Seller-02/21/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-02/24/2025 <br>Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-02/24/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 3464264 | N/A | N/A |
| XXXX | xxxxx1243 |  |  | Closed | 2025-02-18 12:09 | 2025-02-21 19:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.949%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 383 and the Final Closing disclosure on Pg#'s 148, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 131. An interior and exterior appraisal was completed for this property – see pg 55, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 471, and confirmation the appraisal was delivered to the borrower – see Pg#'s 208. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/18/2025 |  | Resolved-The loan's (9.949%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 383 and the Final Closing disclosure on Pg#'s 148, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 131. An interior and exterior appraisal was completed for this property – see pg 55, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 471, and confirmation the appraisal was delivered to the borrower – see Pg#'s 208. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-02/18/2025<br>|  |  |  | NC | Primary Residence | Purchase | NA | 3437262 | N/A | N/A |
| XXXX | xxxxxx3548 |  |  | Closed | 2025-02-17 06:25 | 2025-02-17 06:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.797%) APR equals or exceeds the Federal HPML threshold of (8.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.98%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 443 and the Final Closing disclosure on Pg#'s 308 reflects escrows. Rate lock date was entered correctly – see Pg#'s 523 An interior and exterior appraisal was completed for this property – see pg 56 , the appraisal disclosure was provided to the borrower(s)- see Pg#'512, and copy of the appraisal was given to the borrower – see Pg#'s 45 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-02/17/2025 |  | Resolved-The loan's (9.797%) APR equals or exceeds the Federal HPML threshold of (8.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.98%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 443 and the Final Closing disclosure on Pg#'s 308 reflects escrows. Rate lock date was entered correctly – see Pg#'s 523 An interior and exterior appraisal was completed for this property – see pg 56 , the appraisal disclosure was provided to the borrower(s)- see Pg#'512, and copy of the appraisal was given to the borrower – see Pg#'s 45 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-02/17/2025<br>|  |  |  | OH | Primary Residence | Purchase | NA | 3431970 | N/A | N/A |
| XXXX | xxxxxx4429 |  |  | Closed | 2025-02-17 10:12 | 2025-03-14 21:56 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Signed copy proivded, Resolved. - Due Diligence Vendor-03/14/2025 <br>Ready for Review-Document Uploaded. signed copy attached - Seller-03/12/2025 <br>Counter-We had the initial escrow disclosure in the original file, however were looking for the borrower signed IEAD. - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. IEAD attached. - Seller-02/21/2025 <br>Open-Missing Signed Initial Escrow Disclosure, Provide Signed IEAD.<br> - Due Diligence Vendor-02/17/2025 | Ready for Review-Document Uploaded. signed copy attached - Seller-03/12/2025 <br>Ready for Review-Document Uploaded. IEAD attached. - Seller-02/21/2025<br>| Resolved-Signed copy proivded, Resolved. - Due Diligence Vendor-03/14/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3432215 | N/A | N/A |
| XXXX | xxxxxx4429 |  |  | Closed | 2025-02-17 07:51 | 2025-03-12 14:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Explanation provided by lender for discrepancy in taxes - due to increase in property values. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. taxes attached - Buyer-03/10/2025 <br> Open-Missing Evidence of Property Tax Taxes given in Tax Certificate $XXXX/12 = $XXXX is not matching with the taxes of First Payment Letter, 1008 & Final CD = $XXXX\*12 = $XXXX., Provide updated tax Certificate. - Due Diligence Vendor-02/17/2025 |  | Resolved-Explanation provided by lender for discrepancy in taxes - due to increase in property values. - Due Diligence Vendor-03/12/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3432050 | N/A | N/A |
| XXXX | xxxxxx4429 |  |  | Closed | 2025-02-27 16:55 | 2025-02-27 21:51 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - Due Diligence Vendor-02/27/2025 <br> Open-The disclosed finance charge ($XXXX) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Comment in LM - Due Diligence Vendor-02/27/2025 |  | Resolved-Resolved - Due Diligence Vendor-02/27/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3493788 | N/A | N/A |
| XXXX | xxxxxx4429 |  |  | Closed | 2025-02-17 10:13 | 2025-02-27 16:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided - Due Diligence Vendor-02/27/2025 <br> Ready for Review-page 1 of 5 is present? - Buyer-02/26/2025 <br> Counter-The Initial CD provided was not complete - missing first page. - Due Diligence Vendor-02/26/2025 <br> Ready for Review-Document Uploaded. attached. - Seller-02/24/2025 <br> Open-TRID: Missing Closing Disclosure Provide missing Initial Closing Disclosure which is required to run XXXX. - Due Diligence Vendor-02/17/2025 | Ready for Review-Document Uploaded. attached. - Seller-02/24/2025<br>| Resolved-Initial CD provided - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3432216 | N/A | N/A |
| XXXX | xxxxxx4429 |  |  | Closed | 2025-02-17 08:33 | 2025-02-25 08:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Resolved as Requested Gap Credit Report Provided.<br> - Due Diligence Vendor-02/25/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/25/2025 <br>Ready for Review-Document Uploaded. gap credit attached. - Seller-02/24/2025 <br>Ready for Review-Document Uploaded. attached - Seller-02/24/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing, Provide the same. - Due Diligence Vendor-02/17/2025 | Ready for Review-Document Uploaded. gap credit attached. - Seller-02/24/2025 <br>Ready for Review-Document Uploaded. attached - Seller-02/24/2025<br>| Resolved-Resolved as Requested Gap Credit Report Provided.<br> - Due Diligence Vendor-02/25/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/25/2025<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 3432110 | N/A | N/A |
| XXXX | xxxxxx3128 |  |  | Closed | 2025-02-18 10:53 | 2025-03-05 10:17 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX provided. Resolved - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/04/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Provided title policy coverage less than loan amount $XXXX - Due Diligence Vendor-02/18/2025 |  | Resolved-Title Coverage Amount of $XXXX provided. Resolved - Due Diligence Vendor-03/05/2025 | XXXX |  |  | ID | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3437050 | N/A | N/A |
| XXXX | xxxxxx3128 |  |  | Closed | 2025-02-21 23:38 | 2025-03-05 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-03/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/04/2025 <br>Open-Title Document is Incomplete Please provide final title policy confirming vesting detail. - Due Diligence Vendor-02/21/2025 |  | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-03/05/2025<br>| XXXX |  |  | ID | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3465761 | N/A | N/A |
| XXXX | xxxxx2884 |  |  | Closed | 2025-02-25 04:45 | 2025-03-04 19:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-the initial CD provided - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. - Seller-02/28/2025 <br>Counter-you provided the Tracking document, however, we are missing the initial Closing Disclosure. We need the initial CD to run compliance. - Due Diligence Vendor-02/28/2025 <br>Ready for Review-Document Uploaded. - Seller-02/26/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is Missing from file. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. - Seller-02/28/2025 <br>Ready for Review-Document Uploaded. - Seller-02/26/2025<br>| Resolved-the initial CD provided - Due Diligence Vendor-03/04/2025<br>| XXXX |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3473364 | N/A | N/A |
| XXXX | xxxxx2884 |  |  | Closed | 2025-03-04 18:53 | 2025-03-04 19:41 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _424___ and the Final Closing disclosure on Pg#'s _201___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _463____ An interior and exterior appraisal was completed for this property – see pg _68___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_530__ , and copy of the appraisal was given to the borrower – see Pg#'s __484___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. - Seller-03/04/2025 <br>Open-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.676%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.98%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/04/2025<br>| Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _424___ and the Final Closing disclosure on Pg#'s _201___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _463____ An interior and exterior appraisal was completed for this property – see pg _68___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_530__ , and copy of the appraisal was given to the borrower – see Pg#'s __484___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/04/2025<br>| XXXX |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3525136 | N/A | N/A |
| XXXX | xxxxx2884 |  |  | Closed | 2025-03-04 18:53 | 2025-03-04 19:41 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _424___ and the Final Closing disclosure on Pg#'s _201___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _463____ An interior and exterior appraisal was completed for this property – see pg _68___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_530__ , and copy of the appraisal was given to the borrower – see Pg#'s __484___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. - Seller-03/04/2025 <br>Open-The loan's (8.676%) APR equals or exceeds the Federal HPML threshold of (8.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.98%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/04/2025<br>| Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _424___ and the Final Closing disclosure on Pg#'s _201___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _463____ An interior and exterior appraisal was completed for this property – see pg _68___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_530__ , and copy of the appraisal was given to the borrower – see Pg#'s __484___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/04/2025<br>| XXXX |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3525137 | N/A | N/A |
| XXXX | xxxxx2884 |  |  | Closed | 2025-03-04 18:53 | 2025-03-04 18:59 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-03/04/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-03/04/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-03/04/2025 |  | Resolved- - Due Diligence Vendor-03/04/2025<br>|  |  |  | MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3525135 | N/A | N/A |
| XXXX | xxxxxx4144 |  |  | Closed | 2025-02-25 19:23 | 2025-03-21 22:04 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.25 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/21/2025 <br> Resolved-XX XX statement provided in Findings: XXXX.PDF reflects a Closing Balance of XXXX Pound Sterling. Using the Currency Exchange app, this translates to $XXXX US. Qualifying Total Reserves Number of Months now equals 6.25 months so meets GL requirements. Resolved. - Due Diligence Vendor-03/21/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/19/2025 <br> Counter-The statement provided for XXXX #XXXX we accounted for $XXXX on this account (p 66) and the $XXXX was accounted for in that balance. - Due Diligence Vendor-03/10/2025 <br> Ready for Review-Document Uploaded. - Seller-03/06/2025 <br> Open-The Qualifying Total Reserves Number of Months '4.66' is less than Required Months of Subject Property Reserves '6'. Does XX want to issue an exception? - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. - Seller-03/06/2025<br>| Resolved-Audited Reserves of 6.25 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/21/2025 <br> Resolved-XX XX statement provided in Findings: XXXX reflects a Closing Balance of XXXX Pound Sterling. Using the Currency Exchange app, this translates to $XXXX US. Qualifying Total Reserves Number of Months now equals 6.25 months so meets GL requirements. Resolved. - Due Diligence Vendor-03/21/2025 | XXXX |  | Compensating Factors: 31.79% DTI (50% GL max), Residual Income of $14,551.97, 70% LTV (75% max). | PA | Investment | Purchase | NA | 3479174 | N/A | N/A |
| XXXX | xxxxxx4144 |  |  | Closed | 2025-02-20 05:29 | 2025-03-21 21:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested UDM Provided for Gap Credit report hence resolved. - Due Diligence Vendor-03/07/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/07/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/06/2025 <br>Open-Borrower 1 Gap Credit Report is Missing The Gap credit report is missing. - Due Diligence Vendor-02/20/2025 |  | Resolved-Requested UDM Provided for Gap Credit report hence resolved. - Due Diligence Vendor-03/07/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/07/2025<br>| XXXX |  |  | PA | Investment | Purchase | NA | 3451547 | N/A | N/A |
| XXXX | xxxxxx4144 |  |  | Closed | 2025-02-25 17:25 | 2025-03-21 21:58 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/07/2025 <br> Resolved-VOM provided in findings. Resolved. - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. Borrower owned primary free and clear per the attached property report and just took out a loan on it on XXXX This is why it does not reflect on the CR. Please Rescind - Seller-02/26/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The VOM for the primary residence is missing and the primary mortgage is not reflected on the CR. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. Borrower owned primary free and clear per the attached property report and just took out a loan on it on 1/24. This is why it does not reflect on the CR. Please Rescind - Seller-02/26/2025<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/07/2025 <br>Resolved-VOM provided in findings. Resolved. - Due Diligence Vendor-02/27/2025<br>| XXXX |  |  | PA | Investment | Purchase | NA | 3477816 | N/A | N/A |
| XXXX | xxxxxx4144 |  |  | Closed | 2025-02-25 18:15 | 2025-03-10 18:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Self-Employed Business Narrative provided in findings. Resolved. - Due Diligence Vendor-03/10/2025 <br>Ready for Review-Document Uploaded. - Seller-03/10/2025 <br>Open-The Self-Employed Business Narrative is missing. - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. - Seller-03/10/2025<br>| Resolved-Self-Employed Business Narrative provided in findings. Resolved. - Due Diligence Vendor-03/10/2025<br>| XXXX |  |  | PA | Investment | Purchase | NA | 3478412 | N/A | N/A |
| XXXX | xxxxxx3646 |  |  | Closed | 2025-02-24 12:08 | 2025-03-07 19:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Memo provided from XXXX Compliance indicates that the requirement for a separate escrow waiver disclosure has been removed from the Selling Guide because a similar disclosure is now part of the Closing disclosure. Escrow disclosure on page 4 of the CD does not provide as many details and ramifications as an actual Escrow Waiver, they do provide sufficient evidence that the consumer has opted to forego an escrow account and what the ramifications are for this choice. Condition resolved. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/05/2025 <br> Open-Escrow Waiver is Missing from file. - Due Diligence Vendor-02/24/2025 |  | Resolved-Memo provided from XXXX Compliance indicates that the requirement for a separate escrow waiver disclosure has been removed from the Selling Guide because a similar disclosure is now part of the Closing disclosure. Escrow disclosure on page 4 of the CD does not provide as many details and ramifications as an actual Escrow Waiver, they do provide sufficient evidence that the consumer has opted to forego an escrow account and what the ramifications are for this choice. Condition resolved. - Due Diligence Vendor-03/07/2025 | XXXX |  |  | NY | Investment | Purchase | NA | 3467409 | N/A | N/A |
| XXXX | xxxxxx3646 |  |  | Closed | 2025-02-24 10:12 | 2025-03-07 18:54 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-03/07/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/05/2025 <br>Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($2,140.00) were applied to the total fee variance of ($3,124.20) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender credit increased in final cd and coc not available in file. - Due Diligence Vendor-02/24/2025 |  | Resolved-Resolved - Due Diligence Vendor-03/07/2025<br>| XXXX |  |  | NY | Investment | Purchase | NA | 3467053 | N/A | N/A |
| XXXX | xxxxxx4351 |  |  | Closed | 2025-02-26 17:29 | 2025-03-07 13:46 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report with cleared high alerts provided. Resolved - Due Diligence Vendor-03/07/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/07/2025 <br>Ready for Review-Document Uploaded. - Buyer-03/06/2025 <br>Counter-Fraud report still reflects uncleared High Alert. - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. Updated Fraud Report attached. - Buyer-03/03/2025 <br>Open-Fraud Report Shows Uncleared Alerts Uncleared High alerts present - Due Diligence Vendor-02/26/2025 |  | Resolved-Fraud Report with cleared high alerts provided. Resolved - Due Diligence Vendor-03/07/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-03/07/2025<br>| XXXX |  |  | GA | Investment | Purchase | NA | 3485703 | N/A | N/A |
| XXXX | xxxxx1073 |  |  | Closed | 2025-03-06 19:11 | 2025-03-06 19:31 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _433___ and the Final Closing disclosure on Pg#'s _248___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _finding____ An interior and exterior appraisal was completed for this property – see pg __99__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_532__ , and copy of the appraisal was given to the borrower – see Pg#'s _224____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/06/2025 <br>Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.143%) equals or exceeds the California HPML threshold of (8.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.98%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-03/06/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _433___ and the Final Closing disclosure on Pg#'s _248___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _finding____ An interior and exterior appraisal was completed for this property – see pg __99__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_532__ , and copy of the appraisal was given to the borrower – see Pg#'s _224____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/06/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3547958 | N/A | N/A |
| XXXX | xxxxx1073 |  |  | Closed | 2025-03-06 19:11 | 2025-03-06 19:31 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _433___ and the Final Closing disclosure on Pg#'s _248___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _finding____ An interior and exterior appraisal was completed for this property – see pg __99__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_532__ , and copy of the appraisal was given to the borrower – see Pg#'s _224____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/06/2025 <br>Open-The loan's (9.143%) APR equals or exceeds the Federal HPML threshold of (8.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.98%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-03/06/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _433___ and the Final Closing disclosure on Pg#'s _248___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _finding____ An interior and exterior appraisal was completed for this property – see pg __99__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_532__ , and copy of the appraisal was given to the borrower – see Pg#'s _224____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/06/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3547959 | N/A | N/A |
| XXXX | xxxxx1073 |  |  | Closed | 2025-03-03 05:17 | 2025-03-06 19:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. - Seller-03/05/2025 <br>Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in the file - Due Diligence Vendor-03/03/2025 | Ready for Review-Document Uploaded. - Seller-03/05/2025<br>| Resolved-Received the initial CD - Due Diligence Vendor-03/06/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3509454 | N/A | N/A |
| XXXX | xxxxx1073 |  |  | Closed | 2025-03-05 21:00 | 2025-03-06 18:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/06/2025 <br>Resolved-Received the missing rate lock - Due Diligence Vendor-03/06/2025 <br>Ready for Review-Document Uploaded. - Seller-03/05/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. - Seller-03/05/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-03/06/2025 <br>Resolved-Received the missing rate lock - Due Diligence Vendor-03/06/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3537369 | N/A | N/A |
| XXXX | xxxxx1073 |  |  | Closed | 2025-03-03 05:13 | 2025-03-06 11:48 | Resolved | 1 - Information C A | Property | Data | Property State does not meet eligibility requirement(s) | Resolved-Subject property located in CA State & Guideline Review doesn't show CA as ineligible state. - Due Diligence Vendor-03/06/2025 <br>Ready for Review-No issues in California, not sure what's needed here. - Seller-03/05/2025 <br>Open- - Due Diligence Vendor-03/05/2025 <br>Rescinded-Property State does not meet eligibility requirement(s) Sub property located in CA State and in 1003 tab 2nd change XX event program was not available - Due Diligence Vendor-03/03/2025 | Ready for Review-No issues in XXXX, not sure what's needed here. - Seller-03/05/2025 | Resolved-Subject property located in CA State & Guideline Review doesn't show CA as ineligible state. - Due Diligence Vendor-03/06/2025 <br>Rescinded-Property State does not meet eligibility requirement(s) Sub property located in CA State and in 1003 tab 2nd change XX event program was not available - Due Diligence Vendor-03/03/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 3509442 | N/A | N/A |
| XXXX | xxxxxx4817 |  |  | Closed | 2025-03-04 14:47 | 2025-03-14 11:57 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-Corrected 1003 & PCCD received. Issue resolved. - Due Diligence Vendor-03/14/2025 <br> Ready for Review-Document Uploaded. - Seller-03/13/2025 <br> Counter-1008 Received. However, the corrected 1003 and a PCCD to reflect $33.33/month in HOA is still missing. - Due Diligence Vendor-03/07/2025 <br> Ready for Review-Document Uploaded. - Seller-03/07/2025 <br> Open-HOA Fee difference exsits between validated HOA and documents Per the 1008, 1003, and Final CD, HOA is $133.33 per month. However, per the Appraisal, HOA is $400/year (/ 12 = $33.33 per month). Unable to validate the $133.33 per month amount. Please either (a) provide evidence of the $133.33 per month HOA, or (b) provide a corrected 1008, 1003, and a PCCD to reflect the correct HOA amount. - Due Diligence Vendor-03/04/2025 | Ready for Review-Document Uploaded. - Seller-03/13/2025 <br>Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-Corrected 1003 & PCCD received. Issue resolved. - Due Diligence Vendor-03/14/2025<br>| XXXX |  |  | IN | Primary Residence | Purchase | NA | 3521256 | N/A | N/A |
| XXXX | xxxxxx4817 |  |  | Closed | 2025-03-03 12:23 | 2025-03-14 11:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-03/14/2025 <br>Resolved-The loan's (8.907%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 267, 240 and the Final Closing disclosure on Pg#'s 140, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 138, 281. An interior and exterior appraisal was completed for this property – see pg# 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 380, and confirmation the appraisal was delivered to the borrower – see Pg#'s 135. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/03/2025 |  | Resolved-. - Due Diligence Vendor-03/14/2025 <br>Resolved-The loan's (8.907%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 267, 240 and the Final Closing disclosure on Pg#'s 140, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 138, 281. An interior and exterior appraisal was completed for this property – see pg# 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 380, and confirmation the appraisal was delivered to the borrower – see Pg#'s 135. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/03/2025<br>|  |  |  | IN | Primary Residence | Purchase | NA | 3510612 | N/A | N/A |
| XXXX | xxxxxx5238 |  |  | Closed | 2025-03-02 07:58 | 2025-03-05 10:30 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Wire Transfer for gift uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/05/2025 <br> Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-03/05/2025 <br> Ready for Review-Document Uploaded. - Seller-03/04/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements Asset 4 is Gift of $88,000. Gift letter provided but deposit proof/wire is not available in file. Provide deposit proof for $XXXX - Due Diligence Vendor-03/02/2025 | Ready for Review-Document Uploaded. - Seller-03/04/2025<br>| Resolved-Wire Transfer for gift uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/05/2025 <br>Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-03/05/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3508660 | N/A | N/A |
| XXXX | xxxxxx2201 |  |  | Closed | 2025-02-28 17:22 | 2025-02-28 17:23 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 74.84% exceeds Guideline LTV of 70% Exception pg no: 779 approved to allow for use of current appraised value to determine LTV,when acquisition date is less than six months from application date. Borrower acquired the property<br> on 8/22/24. Six month seasoning will be met at time of closing - Due Diligence Vendor-02/28/2025 |  | Waived-Audited LTV of 74.84% exceeds Guideline LTV of 70% Exception pg no: 779 approved to allow for use of current appraised value to determine LTV,when acquisition date is less than six months from application date. Borrower acquired the property<br> on 8/22/24. Six month seasoning will be met at time of closing - Due Diligence Vendor-02/28/2025<br>|  |  | 1- Credit Score is 713. Minimum required per guidelines is 660.<br> 2- DSCR is 1.4. Minimum required per guidelines is 1.<br> 3. Borrower Housing History is 0X30x24, . Housing History required per guidelines is 0X30, 12 months. | OH | Investment | Refinance | Cash Out - Other | 3502818 | Originator Pre-Close | Yes |
| XXXX | xxxxxx3517 |  |  | Closed | 2025-02-28 06:11 | 2025-03-04 08:07 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/04/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/04/2025 <br>Ready for Review-Document Uploaded. - Seller-03/03/2025 <br>Open-The 1008 document is missing from the loan file. The 1008 document is missing. - Due Diligence Vendor-02/28/2025 | Ready for Review-Document Uploaded. - Seller-03/03/2025<br>| Resolved-1008 document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/04/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-03/04/2025<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 3498817 | N/A | N/A |
| XXXX | xxxxxx3517 |  |  | Closed | 2025-02-28 07:16 | 2025-03-03 14:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.546%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.92%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) "This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 441and the Final Closing disclosure on Pg#'s 284, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 452. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 485, and confirmation the appraisal was delivered to the borrower – see Pg#'s 48,78 .The loan meets HPML guidelines, resolved. "<br> - Due Diligence Vendor-02/28/2025 |  | Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.546%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.92%). (COMAR 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) "This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 441and the Final Closing disclosure on Pg#'s 284, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 452. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 485, and confirmation the appraisal was delivered to the borrower – see Pg#'s 48,78 .The loan meets HPML guidelines, resolved. "<br> - Due Diligence Vendor-02/28/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3498952 | N/A | N/A |
| XXXX | xxxxxx3517 |  |  | Closed | 2025-02-28 07:16 | 2025-03-03 14:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.546%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) "This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 441and the Final Closing disclosure on Pg#'s 284, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 452. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 485, and confirmation the appraisal was delivered to the borrower – see Pg#'s 48,78 .The loan meets HPML guidelines, resolved. " - Due Diligence Vendor-02/28/2025 |  | Resolved-The loan's (8.546%) APR equals or exceeds the Federal HPML threshold of (8.42%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.92%).(12 CFR 1026.35(a)(1)(i)) "This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 441and the Final Closing disclosure on Pg#'s 284, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 452. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 485, and confirmation the appraisal was delivered to the borrower – see Pg#'s 48,78 .The loan meets HPML guidelines, resolved. " - Due Diligence Vendor-02/28/2025<br>|  |  |  | MD | Primary Residence | Purchase | NA | 3498953 | N/A | N/A |
| XXXX | xxxxxx5260 |  |  | Closed | 2025-03-04 20:16 | 2025-03-12 19:28 | Resolved | 1 - Information C A | Credit | Credit | Missing purchase contract and/or addendums. | Resolved-The PCCD shows the seller paying $2000 discount points. This is a part of the $7500 credit. The Contract Addendum and Funding Supervisor's LOE included on p 7-8 of the attachment. Resolved. - Due Diligence Vendor-03/12/2025 <br>Ready for Review-Document Uploaded. Addendum LOE and PCCD uploaded for review - Buyer-03/11/2025 <br>Open-Contract Addendum missing. The Seller Credit on the PCCD reflects $5500 and the Seller Credit on the Final CD reflects $7500. The Addendum included in the contract package reflecting the $7500 is on p 231 however the Addendum reflecting the change in the Seller Credit to $5500 is missing. - Due Diligence Vendor-03/04/2025 |  | Resolved-The PCCD shows the seller paying $2000 discount points. This is a part of the $7500 credit. The Contract Addendum and Funding Supervisor's LOE included on p 7-8 of the attachment. Resolved. - Due Diligence Vendor-03/12/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3526233 | N/A | N/A |
| XXXX | xxxxxx5260 |  |  | Closed | 2025-03-04 19:52 | 2025-03-12 19:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The corrected DOT reflecting the Borrower as XXXX and Spouse, XXXX was provided in Findings. Resolved. - Due Diligence Vendor-03/12/2025 <br> Ready for Review-Document Uploaded. Uploaded for review - Buyer-03/11/2025 <br> Open-The Deed of Trust is Missing On p 1 of the DOT (p 651), the Borrower is reflected as XXXX and spouse, XXXX, Signing Pro Forma but the actual borrower's name is XXXX and he and his non-borrowing spouse signed the DOT. - Due Diligence Vendor-03/04/2025 |  | Resolved-The corrected DOT reflecting the Borrower as XXXX and Spouse, XXXX was provided in Findings. Resolved. - Due Diligence Vendor-03/12/2025 | XXXX |  |  | TX | Investment | Purchase | NA | 3525889 | N/A | N/A |
| XXXX | xxxxxx5260 |  |  | Closed | 2025-03-04 06:24 | 2025-03-12 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided. Resolved - Due Diligence Vendor-03/12/2025 <br>Ready for Review-Document Uploaded. Uploaded for review - Buyer-03/11/2025 <br>Open-Missing Third Party Fraud Report The Third Party Fraud Report is missing. - Due Diligence Vendor-03/04/2025 |  | Resolved-Third Party Fraud Report is provided. Resolved - Due Diligence Vendor-03/12/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3518955 | N/A | N/A |
| XXXX | xxxxx2774 |  |  | Closed | 2025-03-13 22:13 | 2025-03-17 15:56 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Exception approved - Due Diligence Vendor-03/17/2025 <br> Ready for Review-XXXX approves exc, ok to proceed. - Seller-03/14/2025 <br> Open-on page 874, an exception was provided for declining income. - Due Diligence Vendor-03/13/2025 | Ready for Review-XXXX approves exc, ok to proceed. - Seller-03/14/2025 | Waived-Exception approved - Due Diligence Vendor-03/17/2025<br>|  |  | 1- 37.74 LTV - 75% LTV maximum<br> 2- $14,317.07 residual income - $2100 Required | WA | Primary Residence | Refinance | Cash Out - Other | 3608588 | Originator Pre-Close | Yes |
| XXXX | xxxxx2774 |  |  | Closed | 2025-03-11 04:44 | 2025-03-11 14:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.795%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 793 and the Final Closing disclosure on Pg# 294 reflects escrows. Rate lock date was entered correctly see Pg.'s 956 An interior and exterior appraisal was completed for this property – see pg. 115 the appraisal disclosure was provided to the borrower(s)- see Pg#'115 and copy of the appraisal was given to the borrower see Pg# 115 for the copy of the disclosure, ECOA disclosure page no #926. The loan meets HPML guidelines." <br> - Due Diligence Vendor-03/11/2025 |  | Resolved-The loan's (8.795%) APR equals or exceeds the Federal HPML threshold of (8.39%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.89%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 793 and the Final Closing disclosure on Pg# 294 reflects escrows. Rate lock date was entered correctly see Pg.'s 956 An interior and exterior appraisal was completed for this property – see pg. 115 the appraisal disclosure was provided to the borrower(s)- see Pg#'115 and copy of the appraisal was given to the borrower see Pg# 115 for the copy of the disclosure, ECOA disclosure page no #926. The loan meets HPML guidelines." <br> - Due Diligence Vendor-03/11/2025<br>|  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 3577144 | N/A | N/A |
| XXXX | xxxxxx3793 |  |  | Closed | 2025-03-06 16:12 | 2025-03-07 14:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.802%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s615 and the Final Closing disclosure on Pg#'s458-463, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s453, 634-636. An interior and exterior appraisal was completed for this property – see pg#22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 716, and confirmation the appraisal was delivered to the borrower – see Pg#'s 452. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-03/06/2025 |  | Resolved-The loan's (9.802%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s615 and the Final Closing disclosure on Pg#'s458-463, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s453, 634-636. An interior and exterior appraisal was completed for this property – see pg#22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 716, and confirmation the appraisal was delivered to the borrower – see Pg#'s 452. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-03/06/2025<br>|  |  |  | MO | Primary Residence | Purchase | NA | 3544689 | N/A | N/A |
| XXXX | xxxxxx4623 |  |  | Closed | 2025-03-06 04:48 | 2025-03-10 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Borrower currently staying in No primary housing expense, LOX provided.<br> - Due Diligence Vendor-03/10/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-03/10/2025 <br>Ready for Review-Document Uploaded. VOR uploaded for review. - Buyer-03/07/2025 <br>Open-VOR/VOM Doc Status should not be 'Missing'. VOR or LOX from Owner is not in file. - Due Diligence Vendor-03/06/2025 |  | Resolved-Borrower currently staying in No primary housing expense, LOX provided.<br> - Due Diligence Vendor-03/10/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-03/10/2025<br>| XXXX |  |  | PA | Primary Residence | Purchase | NA | 3539578 | N/A | N/A |
| XXXX | xxxxxx4623 |  |  | Closed | 2025-03-06 18:09 | 2025-03-07 05:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.556%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 515 and the Final Closing disclosure on Pg#'s 200 reflects escrows. Rate lock date was entered correctly – see Pg#'s 599. An interior and exterior appraisal was completed for this property – see pg 57 , the appraisal disclosure was provided to the borrower(s)- see Pg#'589 , and copy of the appraisal was given to the borrower – see Pg#'s 42 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-03/06/2025 |  | Resolved-The loan's (9.556%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 515 and the Final Closing disclosure on Pg#'s 200 reflects escrows. Rate lock date was entered correctly – see Pg#'s 599. An interior and exterior appraisal was completed for this property – see pg 57 , the appraisal disclosure was provided to the borrower(s)- see Pg#'589 , and copy of the appraisal was given to the borrower – see Pg#'s 42 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-03/06/2025<br>|  |  |  | PA | Primary Residence | Purchase | NA | 3546849 | N/A | N/A |
| XXXX | xxxxxx5434 |  |  | Closed | 2025-03-05 12:39 | 2025-03-11 12:12 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-03/11/2025 <br>Ready for Review-Document Uploaded. - Seller-03/07/2025 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($404.00). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Need COC for Revised LE, as lender credits amount has been decreased from Initial LE to Revised LE, Initial LE we have lender credits amount -404, whereas Revised showing zero. - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved- - Due Diligence Vendor-03/11/2025<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 3530089 | N/A | N/A |
| XXXX | xxxxxx5434 |  |  | Closed | 2025-03-05 13:16 | 2025-03-10 09:52 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/10/2025 <br>Ready for Review-Document Uploaded. - Seller-03/07/2025 <br>Open-Provide the lender Approval from, as it is missing in file, as now loan program and matrix date considered from Bid tape data. - Due Diligence Vendor-03/05/2025 | Ready for Review-Document Uploaded. - Seller-03/07/2025<br>| Resolved-Lender Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-03/10/2025<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 3530351 | N/A | N/A |
| XXXX | xxxxxx5434 |  |  | Closed | 2025-03-05 12:39 | 2025-03-11 12:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-03/11/2025 <br>Resolved-The loan's (9.503%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 305, 268 and the Final Closing disclosure on Pg#'s 106, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 274, 317. An interior and exterior appraisal was completed for this property – see pg# 18, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 376, and confirmation the appraisal was delivered to the borrower – see Pg#'s 17, 98. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/05/2025 |  | Resolved-. - Due Diligence Vendor-03/11/2025 <br>Resolved-The loan's (9.503%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 305, 268 and the Final Closing disclosure on Pg#'s 106, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 274, 317. An interior and exterior appraisal was completed for this property – see pg# 18, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 376, and confirmation the appraisal was delivered to the borrower – see Pg#'s 17, 98. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/05/2025<br>|  |  |  | IL | Primary Residence | Purchase | NA | 3530091 | N/A | N/A |
| XXXX | xxxxxx1317 |  |  | Closed | 2025-03-05 11:34 | 2025-03-13 14:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 17.73 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/13/2025 <br>Resolved-Bank statement provided - Due Diligence Vendor-03/13/2025 <br>Ready for Review-Document Uploaded. Additional account provided - Buyer-03/11/2025 <br>Open-Audited Reserves of 5.23 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/05/2025 |  | Resolved-Audited Reserves of 17.73 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/13/2025 <br>Resolved-Bank statement provided - Due Diligence Vendor-03/13/2025<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 3529639 | N/A | N/A |
| XXXX | xxxxxx1317 |  |  | Closed | 2025-03-05 11:32 | 2025-03-06 18:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.476%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#949 and the Final Closing disclosure on Pg#464. Rate lock date was entered correctly see Pg#'s 1035 An interior and exterior appraisal was completed for this property – see pg 54, 55, 1138 the appraisal disclosure was provided to the borrower(s)- see Pg#' 54, 55, 1138 and copy of the appraisal was given to the borrower see Pg 54, 55, 1138, 1034 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-03/05/2025 |  | Resolved-The loan's (10.476%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#949 and the Final Closing disclosure on Pg#464. Rate lock date was entered correctly see Pg#'s 1035 An interior and exterior appraisal was completed for this property – see pg 54, 55, 1138 the appraisal disclosure was provided to the borrower(s)- see Pg#' 54, 55, 1138 and copy of the appraisal was given to the borrower see Pg 54, 55, 1138, 1034 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-03/05/2025<br>|  |  |  | FL | Primary Residence | Purchase | NA | 3529632 | N/A | N/A |
| XXXX | xxxxxx4377 |  |  | Closed | 2025-03-09 05:11 | 2025-03-13 12:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/13/2025 <br>Ready for Review-This is an American Pacific Mortgage file. The Individual signs with the LLC on the Note, indicating it's vesting only and is consistent with all their files. Condition is not applicable. - Buyer-03/12/2025 <br>Open-The Final 1003 is Missing The Note is signed by a member of Business entity as a borrower and not as a "mortgagor". As per guidelines, Business Entity Loans require an application which is missing in the loan file. - Due Diligence Vendor-03/09/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/13/2025<br>|  |  |  | OH | Investment | Refinance | Cash Out - Other | 3564616 | N/A | N/A |
| XXXX | xxxxxx4377 |  |  | Closed | 2025-03-08 12:41 | 2025-03-13 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Final Borrower signed Business Purpose Affidavit Disclosure document provided. - Due Diligence Vendor-03/13/2025 <br> Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Final Borrower signed Business Purpose Affidavit Disclosure document provided. - Due Diligence Vendor-03/13/2025 <br> Ready for Review-Document Uploaded. - Buyer-03/12/2025 <br> Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose affidavit in file dated XXXX on page 361 however per guidelines both initial and final are required - Due Diligence Vendor-03/08/2025 |  | Resolved-Final Borrower signed Business Purpose Affidavit Disclosure document provided. - Due Diligence Vendor-03/13/2025 <br>Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Final Borrower signed Business Purpose Affidavit Disclosure document provided. - Due Diligence Vendor-03/13/2025<br>| XXXX |  |  | OH | Investment | Refinance | Cash Out - Other | 3563629 | N/A | N/A |
| XXXX | xxxxxx4474 |  |  | Closed | 2025-03-12 07:23 | 2025-03-14 14:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.274%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 306, 274 and the Final Closing disclosure on Pg#'s 144, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 142. An interior and exterior appraisal was completed for this property – see pg# 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 358, and confirmation the appraisal was delivered to the borrower – see Pg#'s 19, 172. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/12/2025 |  | Resolved-The loan's (9.274%) APR equals or exceeds the Federal HPML threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 306, 274 and the Final Closing disclosure on Pg#'s 144, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 142. An interior and exterior appraisal was completed for this property – see pg# 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 358, and confirmation the appraisal was delivered to the borrower – see Pg#'s 19, 172. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/12/2025<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 3588304 | N/A | N/A |
| XXXX | xxxxx2490 | 162502490 |  | Closed | 2025-03-17 13:13 | 2025-04-04 13:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Business Purpose Loan: Check if Signor is applicable per guideline | Waived-Waiver and comp factors accepted, updated documents are executed and verify guarantor is a managing member. - Due Diligence Vendor-04/04/2025 <br>Ready for Review-Document Uploaded. Docs received - Due Diligence Vendor-04/04/2025 <br>Open-Guidelines do not allow entity to sign note Borrower signed as member of LLC - Due Diligence Vendor-04/04/2025 | Ready for Review-Borrower signed note as member of LLC instead of as individual, which differs from guideline. This is fine since we have the guaranty. - Due Diligence Vendor-04/04/2025 <br>| Waived-Waiver and comp factors accepted, updated documents are executed and verify guarantor is a managing member. - Due Diligence Vendor-04/04/2025<br>| XXXX |  | LTV of 54%; Maximum 75%<br> Personal guaranty in file | VA | Investment | Refinance | Cash Out - Other | 3624117 | Originator Post-Close | Yes |
| XXXX | xxxxx2490 | 162502490 |  | Closed | 2025-03-17 13:11 | 2025-03-26 14:58 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-03/26/2025 <br> Ready for Review-Document Uploaded. - Seller-03/25/2025 <br> Counter-the uploaded package did not contain the Articles of Incorporation for XXXX. Provide the articles of incorporation. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-03/24/2025 <br> Ready for Review-Document Uploaded. - Seller-03/21/2025 <br> Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-03/19/2025 <br> Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/25/2025 <br>Ready for Review-Document Uploaded. - Seller-03/21/2025<br>| Resolved-Validation Resolved' - Due Diligence Vendor-03/26/2025<br>| XXXX |  |  | VA | Investment | Refinance | Cash Out - Other | 3624097 | N/A | N/A |
| XXXX | xxxxx2490 | 162502490 |  | Closed | 2025-03-17 13:23 | 2025-03-24 07:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Requested Flood Certificate Provided hence resolved. - Due Diligence Vendor-03/24/2025 <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. - Seller-03/21/2025 <br>Open-Missing Flood Certificate Flood Certificate is missing - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/21/2025<br>| Resolved-Requested Flood Certificate Provided hence resolved. - Due Diligence Vendor-03/24/2025 <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | VA | Investment | Refinance | Cash Out - Other | 3624235 | N/A | N/A |
| XXXX | xxxxx2490 | 162502490 |  | Closed | 2025-03-17 13:23 | 2025-03-24 07:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Requested HOI Policy Provided hence resolved. - Due Diligence Vendor-03/24/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. - Seller-03/21/2025 <br>Open-Missing Hazard Insurance Policy is file. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/21/2025<br>| Resolved-Requested HOI Policy Provided hence resolved. - Due Diligence Vendor-03/24/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | VA | Investment | Refinance | Cash Out - Other | 3624236 | N/A | N/A |
| XXXX | xxxxx2490 | 162502490 |  | Closed | 2025-03-17 13:08 | 2025-03-24 07:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Requested Title Report provided hence resolved.<br> - Due Diligence Vendor-03/24/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. - Seller-03/21/2025 <br>Open-Title Document is missing in file. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/21/2025<br>| Resolved-Requested Title Report provided hence resolved.<br> - Due Diligence Vendor-03/24/2025 <br>Resolved-Title Document is fully Present - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | VA | Investment | Refinance | Cash Out - Other | 3624076 | N/A | N/A |
| XXXX | xxxxx2490 | 162502490 |  | Closed | 2025-03-17 13:32 | 2025-03-24 07:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested Third Party Fraud Report provided hence resolved. - Due Diligence Vendor-03/24/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. - Seller-03/21/2025 <br>Open-Missing Third Party Fraud Report Fraud Report is missing in file. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/21/2025<br>| Resolved-Requested Third Party Fraud Report provided hence resolved. - Due Diligence Vendor-03/24/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | VA | Investment | Refinance | Cash Out - Other | 3624348 | N/A | N/A |
| XXXX | xxxxx2490 | 162502490 |  | Closed | 2025-03-17 13:20 | 2025-03-24 07:14 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested CU with Score of 1 Provided for secondary valuation hence resolved. - Due Diligence Vendor-03/24/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/24/2025 <br>Ready for Review-Document Uploaded. - Seller-03/21/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Required secondar validation as CU score document, Desk review or LCA document. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/21/2025<br>| Resolved-Requested CU with Score of 1 Provided for secondary valuation hence resolved. - Due Diligence Vendor-03/24/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/24/2025<br>| XXXX |  |  | VA | Investment | Refinance | Cash Out - Other | 3624206 | N/A | N/A |
| XXXX | xxxxx2490 | 162502490 |  | Closed | 2025-03-18 00:22 | 2025-03-20 15:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate lock document was provided - Due Diligence Vendor-03/20/2025 <br>Ready for Review-Document Uploaded. - Seller-03/19/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. - Seller-03/19/2025<br>| Resolved-Rate lock document was provided - Due Diligence Vendor-03/20/2025<br>| XXXX |  |  | VA | Investment | Refinance | Cash Out - Other | 3631739 | N/A | N/A |
| XXXX | xxxxx2490 | 162502490 |  | Closed | 2025-03-18 00:07 | 2025-03-19 15:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/19/2025 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-03/18/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/19/2025<br>|  |  |  | VA | Investment | Refinance | Cash Out - Other | 3631702 | N/A | N/A |
| XXXX | xxxxx2490 | 162502490 |  | Closed | 2025-03-18 00:30 | 2025-03-19 15:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. - Seller-03/18/2025 <br>Open- - Due Diligence Vendor-03/18/2025 | Ready for Review-Document Uploaded. - Seller-03/18/2025<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | VA | Investment | Refinance | Cash Out - Other | 3631761 | N/A | N/A |
| XXXX | xxxxx2490 | 162502490 |  | Closed | 2025-03-17 13:17 | 2025-03-19 09:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Required Document Provided, Changes Made in system, Finding Resolved. - Due Diligence Vendor-03/19/2025 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-03/19/2025 <br>Ready for Review-Document Uploaded. - Seller-03/18/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-03/17/2025 | Ready for Review-Document Uploaded. - Seller-03/18/2025<br>| Resolved-Required Document Provided, Changes Made in system, Finding Resolved. - Due Diligence Vendor-03/19/2025 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-03/19/2025<br>| XXXX |  |  | VA | Investment | Refinance | Cash Out - Other | 3624140 | N/A | N/A |
| XXXX | xxxxxx5040 |  |  | Closed | 2025-03-17 12:42 | 2025-03-17 19:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.444%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 240, 215 and the Final Closing disclosure on Pg#'s 92, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 89, 252. An interior and exterior appraisal was completed for this property – see pg# 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 293, and confirmation the appraisal was delivered to the borrower – see Pg#'s 23, 87. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/17/2025 |  | Resolved-The loan's (9.444%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 240, 215 and the Final Closing disclosure on Pg#'s 92, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 89, 252. An interior and exterior appraisal was completed for this property – see pg# 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 293, and confirmation the appraisal was delivered to the borrower – see Pg#'s 23, 87. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-03/17/2025<br>|  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 3623870 | N/A | N/A |
| XXXX | xxxxxx6643 |  |  | Closed | 2025-03-26 11:39 | 2025-03-28 18:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.062%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s244 and the Final Closing disclosure on Pg#'s85, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s82, 253. An interior and exterior appraisal was completed for this property – see pg28, the appraisal disclosure was provided to the borrower(s)- see Pg#'s327, and confirmation the appraisal was delivered to the borrower – see Pg#'s25. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-03/26/2025 |  | Resolved-The loan's (10.062%) APR equals or exceeds the Federal HPML threshold of (8.37%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.87%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s244 and the Final Closing disclosure on Pg#'s85, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s82, 253. An interior and exterior appraisal was completed for this property – see pg28, the appraisal disclosure was provided to the borrower(s)- see Pg#'s327, and confirmation the appraisal was delivered to the borrower – see Pg#'s25. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-03/26/2025<br>|  |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 3696280 | N/A | N/A |
| XXXX | xxxxxx7297 |  |  | Closed | 2025-04-04 17:25 | 2025-04-08 12:38 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-DSCR inline. - Due Diligence Vendor-04/08/2025 <br>Ready for Review-Document Uploaded. DSCR Calculations & 1008 - Seller-04/07/2025 <br>Open-Calculated DSCR is rent $1800 / PITI $1373.52 = 1.311. Property tax is mismatching per tax cer page 464, 2960.12/12= 246.67 and 1003, 1008 reflects as $255.34. - Due Diligence Vendor-04/04/2025 | Ready for Review-Document Uploaded. DSCR Calculations & 1008 - Seller-04/07/2025<br>| Resolved-DSCR inline. - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | IL | Investment | Purchase | NA | 3786553 | N/A | N/A |
| XXXX | xxxxxx7297 |  |  | Closed | 2025-04-03 07:52 | 2025-04-08 12:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived- Loan was initially DSCR Max , switching to XXXX due to gift exceeding guideline maximum. Seeking exceptions for the loan amount being less than $125K and rural LTV - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. Exception Approval for Rural - Seller-04/07/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 65% Property located in rural area per matrix MAX LTV is 65% but file has 75%. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. Exception Approval for Rural - Seller-04/07/2025<br>| Waived- Loan was initially DSCR Max , switching to XXXX due to gift exceeding guideline maximum. Seeking exceptions for the loan amount being less than $125K and rural LTV - Due Diligence Vendor-04/08/2025 | XXXX |  | 31 months of reserves, only 3 required. DSCR exceeds minimum requirements of 1.0 at 1.31 | IL | Investment | Purchase | NA | 3760151 | Originator Post-Close | Yes |
| XXXX | xxxxxx7297 |  |  | Closed | 2025-04-03 07:13 | 2025-04-08 11:11 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved <br> - Due Diligence Vendor-04/08/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-04/08/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-04/07/2025 <br> Open-Qualifying FICO on the 1008 Page is '673' or blank, but the Qualifying FICO from the Credit Liabilities Page is '671' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. 1008 considered the FICO (673) score from expired credit report dated XXXX and As per recent credit report dated XXXX, FICO is 671. - Due Diligence Vendor-04/03/2025 | Ready for Review-Document Uploaded. 1008 - Seller-04/07/2025<br>| Resolved-Updated 1008 Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved <br> - Due Diligence Vendor-04/08/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-04/08/2025<br>| XXXX |  |  | IL | Investment | Purchase | NA | 3759963 | N/A | N/A |
| XXXX | xxxxxx3534 |  |  | Closed | 2025-04-07 08:21 | 2025-04-10 13:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/10/2025 <br> Ready for Review-Document Uploaded. Final HUD1 dated XXXX - Seller-04/09/2025 <br> Open-Final HUD-1 Document is Missing. Provide updated Hud as the provided one on page 243,247,251 is dated on XXXX whereas Note date, Closing date and Notary date is XXXX. None of the HUDs in file are signed. - Due Diligence Vendor-04/07/2025 | Ready for Review-Document Uploaded. Final HUD1 dated XXXX - Seller-04/09/2025 | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-04/10/2025<br>| XXXX |  |  | CT | Investment | Purchase | NA | 3792656 | N/A | N/A |
| XXXX | xxxxxx2910 |  |  | Closed | 2025-04-08 12:17 | 2025-04-14 07:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Bank Statement Summary Lender Worksheet / Income Calculator showing updated income of $7,041.08. - Due Diligence Vendor-04/14/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-04/14/2025 <br> Ready for Review-Document Uploaded. Income Worksheet - Seller-04/11/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet on page #316 shows borrower business income as $8,381.68. However, per the final 1003 and 1008 it is $7,041.08. Provide updated lender income worksheet validating this $7,041.08 amount. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Income Worksheet - Seller-04/11/2025<br>| Resolved-Bank Statement Summary Lender Worksheet / Income Calculator showing updated income of $7,041.08. - Due Diligence Vendor-04/14/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/14/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 3804018 | N/A | N/A |
| XXXX | xxxxxx2910 |  |  | Closed | 2025-04-08 12:42 | 2025-04-11 08:08 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared per updated fraud report. Resolved - Due Diligence Vendor-04/11/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/10/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the one file shows uncleared alerts. - Due Diligence Vendor-04/08/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/10/2025<br>| Resolved-All Fraud Report Alerts have been cleared per updated fraud report. Resolved - Due Diligence Vendor-04/11/2025<br>| XXXX |  |  | AZ | Primary Residence | Purchase | NA | 3804214 | N/A | N/A |
| XXXX | xxxxxx2910 |  |  | Closed | 2025-04-08 13:18 | 2025-04-09 03:03 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.29%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 319 and the Final Closing disclosure on page # 193-198 reflects escrows. Rate lock date was entered correctly – see page # 339An interior and exterior appraisal was completed for this property – see page # 34-66 and the appraisal disclosure was provided to the borrower(s)- see page # 31, 32 and confirmation the appraisal was delivered to the borrower – see page # 31, 32. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/08/2025 |  | Resolved-The loan's (8.29%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 319 and the Final Closing disclosure on page # 193-198 reflects escrows. Rate lock date was entered correctly – see page # 339An interior and exterior appraisal was completed for this property – see page # 34-66 and the appraisal disclosure was provided to the borrower(s)- see page # 31, 32 and confirmation the appraisal was delivered to the borrower – see page # 31, 32. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/08/2025<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 3804574 | N/A | N/A |
| XXXX | xxxxxx1203 |  |  | Closed | 2025-04-10 05:29 | 2025-04-16 10:24 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/16/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/15/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/15/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/16/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | OR | Second Home | Refinance | Cash Out - Other | 3824421 | N/A | N/A |
| XXXX | xxxxxx1203 |  |  | Closed | 2025-04-10 05:03 | 2025-04-16 10:23 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Updated Borrower 2 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/16/2025 <br>Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/15/2025 <br>Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/15/2025<br>| Resolved-Updated Borrower 2 Gap Credit Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/16/2025 <br>Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | OR | Second Home | Refinance | Cash Out - Other | 3824349 | N/A | N/A |
| XXXX | xxxxxx1203 |  |  | Closed | 2025-04-10 05:03 | 2025-04-16 10:23 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/16/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/15/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-04/15/2025<br>| Resolved-Updated Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/16/2025 <br>Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | OR | Second Home | Refinance | Cash Out - Other | 3824348 | N/A | N/A |
| XXXX | xxxxxx1203 |  |  | Closed | 2025-04-10 07:14 | 2025-04-16 10:22 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/16/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-04/15/2025 <br>Open-The 1008 document is missing from the loan file. Provide the updated 1008 with P&I amount of $7,190.89 and Interest Rate of 8.000, 1008 Document showing as P&I amount of $7,276.47 and Interest Rate of 8.100 and Note, Lender Loan information showing as P&I amount of $7,190.89 and Interest Rate of 8.000. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. 1008 - Seller-04/15/2025<br>| Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/16/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | OR | Second Home | Refinance | Cash Out - Other | 3824717 | N/A | N/A |
| XXXX | xxxxxx1203 |  |  | Closed | 2025-04-15 00:11 | 2025-04-15 19:25 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/15/2025 <br> Ready for Review-Document Uploaded. Final Title Policy - Seller-04/15/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount - Due Diligence Vendor-04/15/2025 | Ready for Review-Document Uploaded. Final Title Policy - Seller-04/15/2025<br>| Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/15/2025 | XXXX |  |  | OR | Second Home | Refinance | Cash Out - Other | 3862394 | N/A | N/A |
| XXXX | xxxxxx1064 |  |  | Closed | 2025-04-14 18:52 | 2025-04-29 15:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/29/2025 <br> Resolved- - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. Updated 1003 and 1008 - Seller-04/25/2025 <br> Counter-The Final 1003 is Incomplete. Borrower is showing XXXX as current address, however, under Real Estate section borrower is showing XXXX as primary address. XXXX is showing to be a second home. Need explanation or corrected 1003. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. Updated 1003 - Seller-04/16/2025 <br> Open-The Final 1003 is Incomplete. Borrower is showing XXXX as current address, however, under Real Estate section borrower is showing XXXX as primary address. Need explanation or corrected 1003. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Updated 1003 and 1008 - Seller-04/25/2025 <br>Ready for Review-Document Uploaded. Updated 1003 - Seller-04/16/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3858780 | N/A | N/A |
| XXXX | xxxxxx1064 |  |  | Closed | 2025-04-09 05:50 | 2025-04-17 19:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception for LTV of 80% on rural property, max 70% per G/L's. <br>Years in current job 30.83 years. - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. Exception Approval for LTV - Seller-04/16/2025 <br>Open-Audited LTV Exceeds Guideline LTV Property is located in rural area, max LTV is 70% per GL matrix. However, subject LTV is 80%. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Exception Approval for LTV - Seller-04/16/2025<br>| Waived-Exception for LTV of 80% on rural property, max 70% per G/L's. <br>Years in current job 30.83 years. - Due Diligence Vendor-04/17/2025<br>| XXXX |  | Number of months reserves 105 per client, actual 48.28 months, 3 months required. | GA | Investment | Refinance | Cash Out - Other | 3813892 | Originator Post-Close | Yes |
| XXXX | xxxxxx1064 |  |  | Closed | 2025-04-09 04:52 | 2025-04-17 11:16 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/17/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/16/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide an updated fraud report with all cleared alerts as the on file shows uncleared alerts. - Due Diligence Vendor-04/09/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/16/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/17/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/17/2025<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 3813797 | N/A | N/A |
| XXXX | xxxxxx3899 |  |  | Closed | 2025-04-10 08:17 | 2025-04-17 19:32 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.237%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 609 and the Final Closing disclosure on page # 380-385 reflects escrows. Rate lock date was entered correctly – see page # 631. An interior and exterior appraisal was completed for this property – see page # 64-93 and the appraisal disclosure was provided to the borrower(s)- see page # 49. Confirmation the appraisal was delivered to the borrower attached in finding. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/17/2025 <br> Ready for Review-Document Uploaded. Yes, this loan is an HPML, but it meets all the requirements in XXXX guidelines to do an HPML loan. The condition is asking for proof that the appraisal was delivered to the borrower, attached is what XXXX uses for proof - Seller-04/15/2025 <br> Open-The loan's (10.237%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 609 and the Final Closing disclosure on page # 380-385 reflects escrows. Rate lock date was entered correctly – see page # 631. An interior and exterior appraisal was completed for this property – see page # 64-93 and the appraisal disclosure was provided to the borrower(s)- see page # 49. Confirmation the appraisal was delivered to the borrower is missing. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. Yes, this loan is an HPML, but it meets all the requirements in XXXX guidelines to do an HPML loan. The condition is asking for proof that the appraisal was delivered to the borrower, attached is what XXXX uses for proof - Seller-04/15/2025 | Resolved-The loan's (10.237%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 609 and the Final Closing disclosure on page # 380-385 reflects escrows. Rate lock date was entered correctly – see page # 631. An interior and exterior appraisal was completed for this property – see page # 64-93 and the appraisal disclosure was provided to the borrower(s)- see page # 49. Confirmation the appraisal was delivered to the borrower attached in finding. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/17/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3824857 | N/A | N/A |
| XXXX | xxxxxx3899 |  |  | Closed | 2025-04-10 06:22 | 2025-04-17 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br>- Due Diligence Vendor-04/17/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. Asset Calculator enlarged - Seller-04/16/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. <br> Due to imaging errors in the upload, income calculation worksheet for XX business on page #591 is not reflecting legible numbers to verify the exact deposits. Per the final 1003 and the 1008, qualifying income was $11,845.50. Provide the income calculation worksheet validating this amount.<br> - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. Asset Calculator enlarged - Seller-04/16/2025<br>| Resolved-Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br>- Due Diligence Vendor-04/17/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/17/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3824585 | N/A | N/A |
| XXXX | xxxxxx3899 |  |  | Closed | 2025-04-10 07:02 | 2025-04-17 10:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-12 Months of Rent History uploaded, Verified & entered in system - Resolved<br>- Due Diligence Vendor-04/17/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. 12 months rent - Seller-04/16/2025 <br>Open-VOR/VOM Doc Status should not be 'Missing'. Borrower is renting at their primary residence, provide VOR as verification of rental history letter on page #448 and bank statements are not covering 12 months rent history. Current Rent History is only 9 months per verification of rental history letter, need VOR for prior residence. - Due Diligence Vendor-04/10/2025 | Ready for Review-Document Uploaded. 12 months rent - Seller-04/16/2025<br>| Resolved-12 Months of Rent History uploaded, Verified & entered in system - Resolved<br>- Due Diligence Vendor-04/17/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-04/17/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3824681 | N/A | N/A |
| XXXX | xxxxxx5852 |  |  | Closed | 2025-04-12 12:36 | 2025-04-17 00:42 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/16/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the on file shows uncleared alerts. - Due Diligence Vendor-04/12/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/16/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/17/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3848127 | N/A | N/A |
| XXXX | xxxxxx5852 |  |  | Closed | 2025-04-12 12:19 | 2025-04-16 10:49 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/16/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-04/15/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide Secondary Valuation or Additional Valuation as it is missing from file. - Due Diligence Vendor-04/12/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-04/15/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/16/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3848075 | N/A | N/A |
| XXXX | xxxxxx5852 |  |  | Closed | 2025-04-12 11:02 | 2025-04-16 10:49 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/16/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. Final Title Policy - Seller-04/15/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Provide title document covering full loan amount as the one on file doesn't show coverage amount. - Due Diligence Vendor-04/12/2025 | Ready for Review-Document Uploaded. Final Title Policy - Seller-04/15/2025<br>| Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/16/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/16/2025 | XXXX |  |  | CA | Primary Residence | Purchase | NA | 3847946 | N/A | N/A |
| XXXX | xxxxxx5852 |  |  | Closed | 2025-04-12 13:13 | 2025-04-15 18:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.518%) equals or exceeds the California HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.62%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 394 and the Final Closing disclosure on page # 171-175 reflects escrows. Rate lock date was entered correctly – see page # 416. An interior and exterior appraisal was completed for this property – see page # 36-66 and the appraisal disclosure was provided to the borrower(s)- see page # 34, 35 and confirmation the appraisal was delivered to the borrower – see page # 34,35. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/12/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.518%) equals or exceeds the California HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.62%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 394 and the Final Closing disclosure on page # 171-175 reflects escrows. Rate lock date was entered correctly – see page # 416. An interior and exterior appraisal was completed for this property – see page # 36-66 and the appraisal disclosure was provided to the borrower(s)- see page # 34, 35 and confirmation the appraisal was delivered to the borrower – see page # 34,35. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/12/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3848233 | N/A | N/A |
| XXXX | xxxxxx5852 |  |  | Closed | 2025-04-12 13:13 | 2025-04-15 18:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.518%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 394 and the Final Closing disclosure on page # 171-175 reflects escrows. Rate lock date was entered correctly – see page # 416. An interior and exterior appraisal was completed for this property – see page # 36-66 and the appraisal disclosure was provided to the borrower(s)- see page # 34, 35 and confirmation the appraisal was delivered to the borrower – see page # 34,35. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/12/2025 |  | Resolved-The loan's (9.518%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 394 and the Final Closing disclosure on page # 171-175 reflects escrows. Rate lock date was entered correctly – see page # 416. An interior and exterior appraisal was completed for this property – see page # 36-66 and the appraisal disclosure was provided to the borrower(s)- see page # 34, 35 and confirmation the appraisal was delivered to the borrower – see page # 34,35. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/12/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3848234 | N/A | N/A |
| XXXX | xxxxxx8657 |  |  | Closed | 2025-04-11 11:35 | 2025-04-18 07:39 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Final Settlement Statement uploaded, Cash Out Meet Guideline Requirements, Verified - Resolved - Due Diligence Vendor-04/18/2025 <br> Resolved- - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. Final SS showing less than $XXXX going back to borrower - Seller-04/17/2025 <br> Open-Cash Out is not completed according to the guideline requirements Transaction is Refi/Cash out. as per GL. Max cash debt paid at close is $XXXX, however Final HUD-1 Shows cash to close as $XXXX - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. Final SS showing less than $XXXX going back to borrower - Seller-04/17/2025 | Resolved-Final Settlement Statement uploaded, Cash Out Meet Guideline Requirements, Verified - Resolved - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3837826 | N/A | N/A |
| XXXX | xxxxxx8657 |  |  | Closed | 2025-04-11 12:10 | 2025-04-18 07:39 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOM uploaded, Housing History is verified for 12 Months, Verified - Resolved - Due Diligence Vendor-04/18/2025 <br>Resolved- - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. VOM - Seller-04/17/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Unable to verify the Borrowers 12 Primary months, Provide the 12 months Primary months history of Borrower to meet GL Requirements.<br> - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. VOM - Seller-04/17/2025<br>| Resolved-VOM uploaded, Housing History is verified for 12 Months, Verified - Resolved - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3838039 | N/A | N/A |
| XXXX | xxxxxx8657 |  |  | Closed | 2025-04-11 09:20 | 2025-04-16 10:30 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/16/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-04/15/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-04/11/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-04/15/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/16/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3837273 | N/A | N/A |
| XXXX | xxxxxx8657 |  |  | Closed | 2025-04-14 12:01 | 2025-04-16 10:30 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Short Form Residential Loan Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/16/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/16/2025 <br> Ready for Review-Document Uploaded. Final Title Policy - Seller-04/15/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Provide Title Coverage Amount of $$XXXX is Less than or equal to Loan Amount. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Final Title Policy - Seller-04/15/2025<br>| Resolved-Short Form Residential Loan Policy uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/16/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/16/2025 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 3853152 | N/A | N/A |
| XXXX | xxxxx3874 |  |  | Closed | 2025-04-21 13:20 | 2025-04-29 16:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-The initial CD was provided - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-TRID: Missing Closing Disclosure Initial CD missing in file, required to run the Mavent. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-The initial CD was provided - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3913021 | N/A | N/A |
| XXXX | xxxxx3874 |  |  | Closed | 2025-04-29 15:58 | 2025-04-29 16:10 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Change of Circumstance was provided. - Due Diligence Vendor-04/29/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-04/29/2025 |  | Resolved-Change of Circumstance was provided. - Due Diligence Vendor-04/29/2025<br>|  |  |  | CA | Primary Residence | Purchase | NA | 3993583 | N/A | N/A |
| XXXX | xxxxx3960 |  |  | Closed | 2025-04-18 12:07 | 2025-04-18 12:15 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 249 and the Final Closing disclosure on page 89 reflects escrows. Rate lock date was entered correctly – see page 271. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 309 and copy of the appraisal was given to the borrower – see page 225. The loan meets HPML guidelines - Due Diligence Vendor-04/18/2025 <br>Open-The loan's (9.101%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/18/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 249 and the Final Closing disclosure on page 89 reflects escrows. Rate lock date was entered correctly – see page 271. An interior and exterior appraisal was completed for this property – see page 28, the appraisal disclosure was provided to the borrower(s)- see page 309 and copy of the appraisal was given to the borrower – see page 225. The loan meets HPML guidelines - Due Diligence Vendor-04/18/2025<br>|  |  |  | PA | Primary Residence | Purchase | NA | 3899043 | N/A | N/A |
| XXXX | xxxxx3960 |  |  | Closed | 2025-04-17 16:46 | 2025-04-18 12:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Revised LE and Initial CD, COC and Disclosure Tracking Summary - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. - Seller-04/17/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. - Seller-04/17/2025<br>| Resolved-Received Revised LE and Initial CD, COC and Disclosure Tracking Summary - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | PA | Primary Residence | Purchase | NA | 3891773 | N/A | N/A |
| XXXX | xxxxx3960 |  |  | Closed | 2025-04-18 12:07 | 2025-04-18 12:10 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Updated receipt date on Initial CD to 4/2/2025 - Due Diligence Vendor-04/18/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) . - Due Diligence Vendor-04/18/2025 |  | Resolved-Updated receipt date on Initial CD to XXXX - Due Diligence Vendor-04/18/2025 |  |  |  | PA | Primary Residence | Purchase | NA | 3899044 | N/A | N/A |
| XXXX | xxxxx3960 |  |  | Closed | 2025-04-17 16:21 | 2025-04-18 11:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated 1003 with updated income received - Due Diligence Vendor-04/18/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. - Seller-04/17/2025 <br> Open-The Final 1003 is Missing Final 1003 reflects Self Employment Income iao $7100; however, the calculation validating the correct income is as follows: Total Net Deposits of $XXXX x 100% business ownership - Expenses $XXXX = Net Income $XXXX / 12 months = $XXXX Monthly Qualifying Income. Provide updated 1003 with updated income - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. - Seller-04/17/2025<br>| Resolved-Updated 1003 with updated income received - Due Diligence Vendor-04/18/2025 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | PA | Primary Residence | Purchase | NA | 3891470 | N/A | N/A |
| XXXX | xxxxx3960 |  |  | Closed | 2025-04-17 16:20 | 2025-04-18 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved- Updated 1008 with updated income and DTI received - Due Diligence Vendor-04/18/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. - Seller-04/17/2025 <br>Open-The 1008 document is missing from the loan file. 1008 reflects B1 Self Employment Income iao $7100; however, The calculation validating the correct income is as follows: Total Net Deposits of $205,613.34 x 100% business ownership - Expenses $111,952.60 = Net Income $93,660.74 / 12 months = $7,805.06 Monthly Qualifying Income. Provide update 1008 with updated income and DTI or breakdown of income calculation of the $7100 - Due Diligence Vendor-04/17/2025 | Ready for Review-Document Uploaded. - Seller-04/17/2025<br>| Resolved- Updated 1008 with updated income and DTI received - Due Diligence Vendor-04/18/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | PA | Primary Residence | Purchase | NA | 3891450 | N/A | N/A |
| XXXX | xxxxx3960 |  |  | Closed | 2025-04-12 14:06 | 2025-04-17 16:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Approved<br> Exception Approval page 423<br> Exception Reason: Reserves- Loan File 2.72 months, GL Requirement 3 months - Due Diligence Vendor-04/12/2025 |  | Waived-Exception Approved<br> Exception Approval page 423<br> Exception Reason: Reserves- Loan File 2.72 months, GL Requirement 3 months - Due Diligence Vendor-04/12/2025<br>|  |  | DTI - Loan File 33.8%, GL Requirement Max 50%<br> Credit Score - Loan File 743, GL Requirement Min 700<br> Residual Income - Loan File $5,187.69, GL Requirement $1500 + $300 ($150 x 2 dependents) =$1800<br> Housing History- Loan File 0x30x89 months, GL Requirement 0x30x6 months | PA | Primary Residence | Purchase | NA | 3848417 | Originator Pre-Close | Yes |
| XXXX | xxxxxx3417 |  |  | Closed | 2025-04-14 05:23 | 2025-04-22 13:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. - Seller-04/22/2025 <br>Counter-Need GAP for Borrower 2, Megan. - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/17/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/22/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-04/17/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/22/2025<br>| XXXX |  |  | MT | Primary Residence | Purchase | NA | 3851758 | N/A | N/A |
| XXXX | xxxxxx3417 |  |  | Closed | 2025-04-14 05:32 | 2025-04-17 00:48 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required LCA assessed at 1 provided. - Due Diligence Vendor-04/17/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. Freddie SSR - Seller-04/16/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide the Second Appraisal/ Valuation is Missing. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Freddie SSR - Seller-04/16/2025<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required LCA assessed at 1 provided. - Due Diligence Vendor-04/17/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/17/2025<br>| XXXX |  |  | MT | Primary Residence | Purchase | NA | 3851783 | N/A | N/A |
| XXXX | xxxxxx8963 |  |  | Closed | 2025-04-11 05:53 | 2025-04-11 06:02 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.962%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 322, 300 and the Final Closing disclosure on Pg#'s 175, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 171, 341. An interior and exterior appraisal was completed for this property – see pg# 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 402, and confirmation the appraisal was delivered to the borrower – see Pg#'s 168, 217. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/11/2025 |  | Resolved-The loan's (9.962%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 322, 300 and the Final Closing disclosure on Pg#'s 175, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 171, 341. An interior and exterior appraisal was completed for this property – see pg# 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 402, and confirmation the appraisal was delivered to the borrower – see Pg#'s 168, 217. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/11/2025<br>|  |  |  | CT | Primary Residence | Purchase | NA | 3836117 | N/A | N/A |
| XXXX | xxxxxx4930 |  |  | Closed | 2025-04-12 06:47 | 2025-04-24 12:13 | Resolved | 1 - Information C A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Articles of Organization and EIN provided. - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. Articles of Organization - Seller-04/23/2025 <br>Counter-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. - Seller-04/22/2025 <br>Open-Entity Formation Doc Indicator is Missing. EIN number is missing - Due Diligence Vendor-04/12/2025 | Ready for Review-Document Uploaded. Articles of Organization - Seller-04/23/2025 <br>Ready for Review-Document Uploaded. - Seller-04/22/2025<br>| Resolved-Articles of Organization and EIN provided. - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | SC | Investment | Refinance | Cash Out - Home Improvement/Reno | 3847595 | N/A | N/A |
| XXXX | xxxxxx4930 |  |  | Closed | 2025-04-16 15:46 | 2025-04-22 13:49 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-1008 data matches our calculated data. DSCR inline. - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. 1008 - Seller-04/21/2025 <br>Open-variance due to taxes not matching between 1008 ($125) and first payment letter, HUD, 1003 ($104.49). calculated DSCR is Rent $1250 / PITI $1162.44 = 1.075 - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. 1008 - Seller-04/21/2025<br>| Resolved-1008 data matches our calculated data. DSCR inline. - Due Diligence Vendor-04/22/2025<br>| XXXX |  |  | SC | Investment | Refinance | Cash Out - Home Improvement/Reno | 3879422 | N/A | N/A |
| XXXX | xxxxxx4930 |  |  | Closed | 2025-04-12 07:13 | 2025-04-22 10:18 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/22/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/21/2025 <br>Open-Fraud Report Shows Uncleared Alerts and Loansafe connect doc is missing - Due Diligence Vendor-04/12/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/21/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/22/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/22/2025<br>| XXXX |  |  | SC | Investment | Refinance | Cash Out - Home Improvement/Reno | 3847627 | N/A | N/A |
| XXXX | xxxxxx4114 |  |  | Closed | 2025-04-16 17:35 | 2025-04-24 11:34 | Resolved | 1 - Information C A | Compliance | Compliance | TXHE violation; title policy/binder does not contain a T-42 or T-42.1 endorsement. | Resolved-Endorsement T-42 (Equity Loan Mortgage) and subparagraph 2(f) of the Equity Loan Mortgage Endorsement set forth in Procedural Rule P-44.c(2) is added. - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. Final Title Policy including T-42 Endorsement - Seller-04/22/2025 <br>Open-Provide T-42 endorsement - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Final Title Policy including T-42 Endorsement - Seller-04/22/2025<br>| Resolved-Endorsement T-42 (Equity Loan Mortgage) and subparagraph 2(f) of the Equity Loan Mortgage Endorsement set forth in Procedural Rule P-44.c(2) is added. - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 3880912 | N/A | N/A |
| XXXX | xxxxxx4114 |  |  | Closed | 2025-04-13 15:17 | 2025-04-18 07:59 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-04/18/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/17/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report with all cleared alerts as the on file shows uncleared alerts. - Due Diligence Vendor-04/13/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/17/2025<br>| Resolved-Provided Fraud Report shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-04/18/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 3850428 | N/A | N/A |
| XXXX | xxxxxx4114 |  |  | Closed | 2025-04-13 16:19 | 2025-04-13 16:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.321%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 569and the Final Closing disclosure on page # 202-206 reflects escrows. Rate lock date was entered correctly – see page # 587. An interior and exterior appraisal was completed for this property – see page # 40-70 and the appraisal disclosure was provided to the borrower(s)- see page # 38, 39 and confirmation the appraisal was delivered to the borrower – see page # 38, 39. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/13/2025 |  | Resolved-The loan's (9.321%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 569and the Final Closing disclosure on page # 202-206 reflects escrows. Rate lock date was entered correctly – see page # 587. An interior and exterior appraisal was completed for this property – see page # 40-70 and the appraisal disclosure was provided to the borrower(s)- see page # 38, 39 and confirmation the appraisal was delivered to the borrower – see page # 38, 39. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/13/2025<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 3850594 | N/A | N/A |
| XXXX | xxxxxx2260 |  |  | Closed | 2025-04-14 06:54 | 2025-04-22 14:26 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Updated Appraisal uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/22/2025 <br>Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-04/22/2025 <br>Ready for Review-Document Uploaded. - Seller-04/21/2025 <br>Open-Primary Value Appraisal is Expired (Days Difference is 259) Appraisal provided is more than 120 days, Provide recent Appraisal per guidelines within 120 days of closing. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. - Seller-04/21/2025<br>| Resolved-Updated Appraisal uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/22/2025 <br>Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-04/22/2025<br>| XXXX |  |  | ID | Investment | Refinance | No Cash Out - Borrower Initiated | 3852062 | N/A | N/A |
| XXXX | xxxxxx7694 |  |  | Closed | 2025-04-15 18:21 | 2025-06-29 21:35 | Acknowledged | 2 - Non-Material C B | Credit | Credit | Guarantor 1 spouse has not approved transaction | Acknowledged-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - Due Diligence Vendor-06/29/2025 <br>Acknowledged-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - Due Diligence Vendor-04/24/2025 <br>Open-Spousal consent required - Due Diligence Vendor-04/15/2025 |  | Acknowledged-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - Due Diligence Vendor-06/29/2025 <br>Acknowledged-Spousal Consent not received by guarantor's spouse, when the guarantor's principal residence in a community property state, and the spouse is not a member of the LLC - Due Diligence Vendor-04/24/2025<br>|  |  | 1. Borrower has 15.46 months of reserves and all that is required is 3 months. <br> 2. Subject has lease that is set for one year expires on 2/28/2026<br> 3. 0x30x12 on primary and 12 months is all that is required and for the subject property was with private lender originated 6/1/2023 and no lates to current date of 2/1/2025 for 17 months on the investment property. | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3870265 | Originator Post-Close | No |
| XXXX | xxxxxx7694 |  |  | Closed | 2025-04-24 13:48 | 2025-04-24 14:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Received exception for LTV. - Due Diligence Vendor-04/24/2025 <br>Waived-Document Uploaded. - Due Diligence Vendor-04/24/2025 <br>Open-Audited CLTV of 74.39% exceeds Guideline CLTV of 70% Audited CLTV of 74.39% exceeds Guideline CLTV of 70% - Due Diligence Vendor-04/24/2025 |  | Waived-Received exception for LTV. - Due Diligence Vendor-04/24/2025 <br>Waived-Document Uploaded. - Due Diligence Vendor-04/24/2025<br>| XXXX |  | 1. Borrower has 15.46 months of reserves and all that is required is 3 months. <br> 2. Subject has lease that is set for one year expires on 2/28/2026<br> 3. 0x30x12 on primary and 12 months is all that is required and for the subject property was with private lender originated 6/1/2023 and no lates to current date of 2/1/2025 for 17 months on the investment property. | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3949852 | Originator Pre-Close | Yes |
| XXXX | xxxxxx7694 |  |  | Closed | 2025-04-14 14:02 | 2025-04-24 13:39 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-Updated DSCR to 0.994 low Ratio program Exception is for the LTV. - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. Exception Approval - Seller-04/23/2025 <br>Open-DSCR is not in line due to using 120% of the market rents of 3,600 rather than the rents at 3,250 and proof of rents received . Should be low ratio with LTV of 70% - Due Diligence Vendor-04/14/2025 <br>Open- - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Exception Approval - Seller-04/23/2025<br>| Resolved-Updated DSCR to 0.994 low Ratio program Exception is for the LTV. - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3854511 | N/A | N/A |
| XXXX | xxxxxx7694 |  |  | Closed | 2025-04-14 13:55 | 2025-04-21 11:08 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/21/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/18/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide the updated fraud report, Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/18/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3854405 | N/A | N/A |
| XXXX | xxxxxx7694 |  |  | Closed | 2025-04-14 16:20 | 2025-04-21 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/21/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/21/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-04/18/2025 <br> Open-The 1008 document is missing from the loan file. Provide the updated 1008 with P&I amount of $2,351.04, 1008 Document showing P&I amount is $2,318.84 and Note Document showing P&I amount is $2,351.04. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. 1008 - Seller-04/18/2025<br>| Resolved-Updated 1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/21/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/21/2025<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3856546 | N/A | N/A |
| XXXX | xxxxxx7694 |  |  | Closed | 2025-04-16 14:27 | 2025-04-17 21:17 | Resolved | 1 - Information C A | Credit | Credit | Borrower is an entity without guarantors | Resolved-Received guaranty updated business page. - Due Diligence Vendor-04/17/2025 <br>Ready for Review-Document Uploaded. Notice to Guarantor & Guaranty Agreement - Seller-04/17/2025 <br>Open-Guarantor docs are missing from the file - Due Diligence Vendor-04/16/2025 | Ready for Review-Document Uploaded. Notice to Guarantor & Guaranty Agreement - Seller-04/17/2025<br>| Resolved-Received guaranty updated business page. - Due Diligence Vendor-04/17/2025<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3877936 | N/A | N/A |
| XXXX | xxxxxx7694 |  |  | Closed | 2025-04-14 12:34 | 2025-04-16 22:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Incomplete - Due Diligence Vendor-04/16/2025 <br>Ready for Review-Document Uploaded. Final 1003 signed at closing - Seller-04/16/2025 <br>Open-The Final 1003 is Incomplete The 1003 that was provided is unsigned/undated. Please provide the Final 1003 that was borrower-executed at Closing. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Final 1003 signed at closing - Seller-04/16/2025<br>| Resolved-The Final 1003 is Incomplete - Due Diligence Vendor-04/16/2025<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3853348 | N/A | N/A |
| XXXX | xxxxxx1303 |  |  | Closed | 2025-04-14 04:45 | 2025-04-18 06:49 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-As per guidelines , 70% of the vested balance considered, Asset Record 2 Meets G/L Requirements, Verified - Resolved - Due Diligence Vendor-04/18/2025 <br> Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/18/2025 <br> Ready for Review-Document Uploaded. Investment statement – using only 60% - Seller-04/17/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Provide proof of documentation for XXXX funds in the amount of $XXXX as the retirement statements on file doesn't show this amount. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Investment statement – using only 60% - Seller-04/17/2025<br>| Resolved-As per guidelines , 70% of the vested balance considered, Asset Record 2 Meets G/L Requirements, Verified - Resolved - Due Diligence Vendor-04/18/2025 <br>Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | SC | Investment | Purchase | NA | 3851682 | N/A | N/A |
| XXXX | xxxxxx1303 |  |  | Closed | 2025-04-14 04:49 | 2025-04-18 06:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/18/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/18/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/17/2025 <br>Open-Missing Third Party Fraud Report Provide fraud report as it is missing from file. - Due Diligence Vendor-04/14/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/17/2025<br>| Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-04/18/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/18/2025<br>| XXXX |  |  | SC | Investment | Purchase | NA | 3851686 | N/A | N/A |
| XXXX | xxxxx3029 |  |  | Closed | 2025-04-21 14:31 | 2025-04-28 08:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Requested updated HOI Policy provided with requested HOI Policy # hence resolved. - Due Diligence Vendor-04/28/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-Hazard Insurance Policy Partially Provided Hazard Insurance Policy Number is missing, Provide either Binder # or Policy #. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Requested updated HOI Policy provided with requested HOI Policy # hence resolved. - Due Diligence Vendor-04/28/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/28/2025<br>| XXXX |  |  | IN | Investment | Purchase | NA | 3914021 | N/A | N/A |
| XXXX | xxxxx1239 |  |  | Closed | 2025-04-23 12:49 | 2025-04-24 12:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Waiver and comp factors accepted - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. - Seller-04/23/2025 <br> Open-Borrower Type ineligible per program guidelines. Document Uploaded. Note is signed by XXXX and XXXX on behalf of Business Entity, XXXX. Provide Exception - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025<br>| Waived-Waiver and comp factors accepted - Due Diligence Vendor-04/24/2025<br>| XXXX |  | DSCR - Loan File 1.288, GL Requirement Minimum 1.00<br> Credit Score - Loan File 737. GL Requirement Minimum 700.<br> Reserves- Loan File 14.28 months, GL Requirement Minimum 6 months. | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3936018 | Originator Pre-Close | Yes |
| XXXX | xxxxx1239 |  |  | Closed | 2025-04-18 12:59 | 2025-04-24 11:24 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Updated Appraisal reflects subject property is PUD and annual HOA fees iao $1500 - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. - Seller-04/23/2025 <br>Open-DOT on page 343 reflects PUD Rider and PUD Rider is on page 337; however, the appraisal on page 17 does not reflect PUD, Provide confirmation of property type and updated appraisal that subject property is a PUD - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025<br>| Resolved-Updated Appraisal reflects subject property is PUD and annual HOA fees iao $1500 - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3899479 | N/A | N/A |
| XXXX | xxxxx1239 |  |  | Closed | 2025-04-18 12:56 | 2025-04-24 09:43 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-DSCR now matches as updated appraisal shows HOA fee. - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. - Seller-04/23/2025 <br>Open-Calculated DSCR is Rents of $5300 / PITIA of $4114.95 = 1.288 DSCR. Provide updated DSCR worksheet with 1.288 DSCR - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025<br>| Resolved-DSCR now matches as updated appraisal shows HOA fee. - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3899446 | N/A | N/A |
| XXXX | xxxxx1239 |  |  | Closed | 2025-04-18 12:00 | 2025-04-24 09:31 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Provided Hazard Insurance Effective Date of 04-07-2025 is prior to or equal to the Note Date of XXXX. - Due Diligence Vendor-04/24/2025 <br> Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/24/2025 <br> Ready for Review-Document Uploaded. - Seller-04/23/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Hazard Insurance effective date reflects XXXX. Provide updated HOI policy with updated effective date that is on or prior to XXXX - Due Diligence Vendor-04/18/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025<br>| Resolved-Provided Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX. - Due Diligence Vendor-04/24/2025 <br> Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/24/2025 | XXXX |  |  | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3898988 | N/A | N/A |
| XXXX | xxxxx1239 |  |  | Closed | 2025-04-18 13:41 | 2025-04-23 12:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History Does Not Meet Guideline Requirements Exception Approved<br> Exception Approval page 289<br> Exception Reason: Housing Payment History- Loan File Deferred payment on construction loan, GL Requirement Payment History Required - Due Diligence Vendor-04/18/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception Approved<br> Exception Approval page 289<br> Exception Reason: Housing Payment History- Loan File Deferred payment on construction loan, GL Requirement Payment History Required - Due Diligence Vendor-04/18/2025<br>|  |  | DSCR - Loan File 1.288, GL Requirement Minimum 1.00<br> Credit Score - Loan File 737. GL Requirement Minimum 700.<br> Reserves- Loan File 14.28 months, GL Requirement Minimum 6 months. | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 3900031 | Originator Pre-Close | Yes |
| XXXX | xxxxx3771 |  |  | Closed | 2025-04-29 17:56 | 2025-05-02 13:48 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 452 and the Final Closing disclosure on page 143 reflects escrows. Rate lock date was entered correctly – see page 522. An interior and exterior appraisal was completed for this property – see page 61, the appraisal disclosure was provided to the borrower(s)- see page 565 and copy of the appraisal was given to the borrower – see page 348. The loan meets HPML guidelines. - Due Diligence Vendor-05/02/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 452 and the Final Closing disclosure on page 143 reflects escrows. Rate lock date was entered correctly – see page 522. An interior and exterior appraisal was completed for this property – see page 61, the appraisal disclosure was provided to the borrower(s)- see page 565 and copy of the appraisal was given to the borrower – see page 348. The loan meets HPML guidelines. - Due Diligence Vendor-04/29/2025 <br>Open-The loan's (9.084%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-04/29/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 452 and the Final Closing disclosure on page 143 reflects escrows. Rate lock date was entered correctly – see page 522. An interior and exterior appraisal was completed for this property – see page 61, the appraisal disclosure was provided to the borrower(s)- see page 565 and copy of the appraisal was given to the borrower – see page 348. The loan meets HPML guidelines. - Due Diligence Vendor-05/02/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 452 and the Final Closing disclosure on page 143 reflects escrows. Rate lock date was entered correctly – see page 522. An interior and exterior appraisal was completed for this property – see page 61, the appraisal disclosure was provided to the borrower(s)- see page 565 and copy of the appraisal was given to the borrower – see page 348. The loan meets HPML guidelines. - Due Diligence Vendor-04/29/2025<br>|  |  |  | GA | Primary Residence | Purchase | NA | 3995453 | N/A | N/A |
| XXXX | xxxxx3771 |  |  | Closed | 2025-04-29 17:56 | 2025-05-02 13:48 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-PCCD and corresponding docs received - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. Refund check, PCCD, LOX, and proof of delivery attached. - Seller-05/01/2025 <br>Open-Initial LE reflects Credit Report iao $100 and Final Cd reflects $115. Provide COC for the increase in the Credit Report Fee - Due Diligence Vendor-04/29/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. Refund check, PCCD, LOX, and proof of delivery attached. - Seller-05/01/2025<br>| Resolved-PCCD and corresponding docs received - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3995452 | N/A | N/A |
| XXXX | xxxxx3771 |  |  | Closed | 2025-04-25 15:16 | 2025-04-29 18:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Revised LE, Initial CD, COC and Disclosure Tracking Summary received - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3963680 | N/A | N/A |
| XXXX | xxxxx3771 |  |  | Closed | 2025-04-25 13:55 | 2025-04-29 17:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Property Tax information received - Due Diligence Vendor-04/29/2025 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-Missing Evidence of Property Tax Provide Tax Cert - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Property Tax information received - Due Diligence Vendor-04/29/2025 <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3962256 | N/A | N/A |
| XXXX | xxxxx3771 |  |  | Closed | 2025-04-21 07:02 | 2025-04-29 17:23 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-HOA Questionnaire is Present - Due Diligence Vendor-04/29/2025 <br>Resolved-Condo/HOA Questionnaire information received - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-HOA Questionnaire is Missing or Partial. Provide Condo/HOA Quesitionnaire - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-HOA Questionnaire is Present - Due Diligence Vendor-04/29/2025 <br>Resolved-Condo/HOA Questionnaire information received - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 3911410 | N/A | N/A |
| XXXX | xxxxx3817 |  |  | Closed | 2025-04-21 22:06 | 2025-04-24 18:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/24/2025 <br>Ready for Review-Document Uploaded. - Seller-04/23/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/23/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/24/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 3920787 | N/A | N/A |
| XXXX | xxxxx2668 |  |  | Closed | 2025-04-29 18:48 | 2025-04-30 20:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-DOT, 1-4, PUD and PPP Riders received. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. - Seller-04/29/2025 <br>Open-Provide Prepayment Rider - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-04/29/2025<br>| Resolved-DOT, 1-4, PUD and PPP Riders received. - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3996365 | N/A | N/A |
| XXXX | xxxxx2668 |  |  | Closed | 2025-04-23 05:39 | 2025-04-30 20:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-DOT, 1-4, PUD and PPP Riders received. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. - Seller-04/29/2025 <br>Open-PUD Rider is Missing - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/29/2025<br>| Resolved-DOT, 1-4, PUD and PPP Riders received. - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3933690 | N/A | N/A |
| XXXX | xxxxx2668 |  |  | Closed | 2025-04-23 05:08 | 2025-04-30 20:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-DOT, 1-4, PUD and PPP Riders received - Due Diligence Vendor-04/30/2025 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. - Seller-04/29/2025 <br>Open-The Deed of Trust is Missing Provide executed Deed of Trust - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/29/2025<br>| Resolved-DOT, 1-4, PUD and PPP Riders received - Due Diligence Vendor-04/30/2025 <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 3933601 | N/A | N/A |
| XXXX | xxxxx2668 |  |  | Closed | 2025-04-29 19:18 | 2025-04-29 19:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Audited FICO of 671 is less than Guideline FICO of 680 Exception Approved<br> Exception Approval on page 456<br> Exception Reason: <br> Credit Score- Loan File 671, GL Requirement 680<br> Overlay for Foreign Nationals w/ US credit is min 680, borrower has a 671, exception for 9 points. - Due Diligence Vendor-04/29/2025 |  | Waived-Audited FICO of 671 is less than Guideline FICO of 680 Exception Approved<br> Exception Approval on page 456<br> Exception Reason: <br> Credit Score- Loan File 671, GL Requirement 680<br> Overlay for Foreign Nationals w/ US credit is min 680, borrower has a 671, exception for 9 points. - Due Diligence Vendor-04/29/2025<br>|  |  | Reserves- Loan File 17.84 months, GL Requirement Min 6 months<br> Investor Experience- Loan file - Experienced Investor 2 properties, GL Requirement None<br> Tradelines - Loan File 4 since 2015, GL Requirement 2 \* 24 months | TX | Investment | Purchase | NA | 3997041 | Originator Pre-Close | Yes |
| XXXX | xxxxx3005 |  |  | Closed | 2025-04-28 17:54 | 2025-05-07 11:23 | Resolved | 1 - Information B A | Credit | Doc Issue | Signature Affidavit is Incomplete | Resolved-Updated SIGNATURE/NAME AFFIDAVIT to reflect additional AKA's as of Closing date received - Due Diligence Vendor-05/07/2025 <br> Ready for Review-Document Uploaded. - Seller-05/06/2025 <br> Counter-Amendment to the Trust document dated XXXX received. Provide updated SIGNATURE/NAME AFFIDAVIT to reflect additional AKA's as of Closing date - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/28/2025 <br> Open-Driver's License reflects XXXX and SSI Rewards Letter reflects XXXX. Provide updated SIGNATURE/NAME AFFIDAVIT to reflect additional AKA's - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. - Seller-05/06/2025 <br>Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-Updated SIGNATURE/NAME AFFIDAVIT to reflect additional AKA's as of Closing date received - Due Diligence Vendor-05/07/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3982437 | N/A | N/A |
| XXXX | xxxxx3005 |  |  | Closed | 2025-04-23 07:29 | 2025-04-29 14:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/28/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD Disclosure, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-Revised LE, Initial CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 3934127 | N/A | N/A |
| XXXX | xxxxx2658 |  |  | Closed | 2025-04-28 15:41 | 2025-04-30 13:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Waiver and comp factors accepted - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/28/2025 <br> Open-Borrower Type ineligible per program guidelines. Document Uploaded. Note was signed by XXXX on behalf of Business Entity, XXXX. Provide Exception - Due Diligence Vendor-04/28/2025 | Waived-Borrower signed note as member of LLC instead of as individual, which differs from guideline. This is fine since we have the guaranty. - Due Diligence Vendor-04/30/2025 <br>Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Waived-Waiver and comp factors accepted - Due Diligence Vendor-04/30/2025<br>| XXXX |  | Credit Score - Loan File 784, GL Requirement Min 700<br> Housing History- Loan File 0x30x86 months, GL Requirement 1x30x12 months | NJ | Investment | Refinance | Cash Out - Other | 3980377 | Originator Pre-Close | Yes |
| XXXX | xxxxx2658 |  |  | Closed | 2025-04-28 16:45 | 2025-04-29 17:01 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Affiliated Business Arrangement Disclosure Statement received - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/28/2025 <br>Open-Provide Affiliated Business Arrangement Disclosure Statement - Due Diligence Vendor-04/28/2025 | Ready for Review-Document Uploaded. - Seller-04/28/2025<br>| Resolved-Affiliated Business Arrangement Disclosure Statement received - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 3981316 | N/A | N/A |
| XXXX | xxxxx3923 |  |  | Closed | 2025-04-21 11:04 | 2025-04-29 16:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-the initial CD was provided - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-TRID: Missing Closing Disclosure TRID: Initial Closing Disclosure is missing from file. - Due Diligence Vendor-04/21/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-the initial CD was provided - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 3912085 | N/A | N/A |
| XXXX | xxxxx3923 |  |  | Closed | 2025-04-24 23:14 | 2025-04-29 16:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-04/24/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-04/29/2025<br>| XXXX |  |  | CO | Primary Residence | Purchase | NA | 3957989 | N/A | N/A |
| XXXX | xxxxx2712 |  |  | Closed | 2025-04-30 13:23 | 2025-05-08 16:10 | Resolved | 1 - Information C A | Compliance | Fees:Limited | North Carolina - Fees Limitation | Resolved-Disclosure provided for Bona-Fide Discount Points excluded from calculations. - Due Diligence Vendor-05/08/2025 <br> Counter-Provide Undiscounted Rate Disclosure - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. The fee of $XXXX in question is for a 0.75% discount point charged to the borrower. This was in fact charged to reduce the borrower's interest rate. I have attached the Mavent compliance report which shows that a cure for this file is not necessary as well as the statute GS 24-1.1A(c)(1)(b) which shows that a discount point is allowed to be charged. This is not an additional fee that is mentioned in GS 24-1.1A(c)(1)(f) and is not subject to the limitations stated there. - Seller-05/01/2025 <br> Open-Provide Undisclosed Rate or Compliance Report - Due Diligence Vendor-04/30/2025 <br> Open-Fees paid to lender exceed the threshold. Under the North Carolina Interest Provisions, on a first lien closed end loan less than $XXXX, lender fees not specifically authorized by statute are limited to ($XXXX), which is the greater of 1/4 of 1% of the loan amount or $150. The total amount of "lender fees not specifically authorized by statute" and included in the test is ($1,380.00). Fees excluded from the test: Application Fee, Application Deposit, Commitment (Rate Lock) Fee, Temporary Buydown Fee, Loan Origination Fee, "bona fide" Loan Discount, Prepaid Interest, and Interest Due on a Prior Loan. (N.C. Gen. Stat. 24-1.1A(c)(1); 24-8(d); 24-10(d)) . - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. The fee of $1,380.00 in question is for a 0.75% discount point charged to the borrower. This was in fact charged to reduce the borrower's interest rate. I have attached the Mavent compliance report which shows that a cure for this file is not necessary as well as the statute GS 24-1.1A(c)(1)(b) which shows that a discount point is allowed to be charged. This is not an additional fee that is mentioned in GS 24-1.1A(c)(1)(f) and is not subject to the limitations stated there. - Seller-05/01/2025<br>| Resolved-Disclosure provided for Bona-Fide Discount Points excluded from calculations. - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 4002413 | N/A | N/A |
| XXXX | xxxxx2712 |  |  | Closed | 2025-04-29 13:27 | 2025-04-30 14:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-See Missing Closing Disclosure Finding- Received Revised LE's, Revised CD's, COC's and Disclosure Tracking Summary - Due Diligence Vendor-04/30/2025 <br>Ready for Review-See CD condition. - Seller-04/29/2025 <br>Open-Provide Revised LE dated 3/6/2025 and any related COC - Due Diligence Vendor-04/29/2025 | Ready for Review-See CD condition. - Seller-04/29/2025<br>| Resolved-See Missing Closing Disclosure Finding- Received Revised LE's, Revised CD's, COC's and Disclosure Tracking Summary - Due Diligence Vendor-04/30/2025<br>|  |  |  | NC | Primary Residence | Purchase | NA | 3990995 | N/A | N/A |
| XXXX | xxxxx2712 |  |  | Closed | 2025-04-22 09:49 | 2025-04-30 14:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Revised LE's, Revised CD's, COC's and Disclosure Tracking Summary - Due Diligence Vendor-04/30/2025 <br> Ready for Review-Document Uploaded. - Seller-04/29/2025 <br> Counter-Received Initial CD dated XXXX. Provided Revised CD dated XXXX, XXXX and related COC's - Due Diligence Vendor-04/29/2025 <br> Ready for Review-Document Uploaded. - Seller-04/25/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. - Seller-04/29/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Received Revised LE's, Revised CD's, COC's and Disclosure Tracking Summary - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 3922785 | N/A | N/A |
| XXXX | xxxxx2712 |  |  | Closed | 2025-04-30 13:23 | 2025-04-30 13:34 | Acknowledged | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Acknowledged- - Due Diligence Vendor-04/30/2025 <br>Acknowledged- - Due Diligence Vendor-04/30/2025 <br>Acknowledged-The loan's (8.291%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.62%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per External Counsel, Appropriate to Cite as Level 2 - Due Diligence Vendor-04/30/2025 |  | Acknowledged-The loan's (8.291%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.62%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per External Counsel, Appropriate to Cite as Level 2 - Due Diligence Vendor-04/30/2025<br>|  |  | Per External Counsel, Appropriate to Cite as Level 2 | NC | Primary Residence | Purchase | NA | 4002415 | Investor Post-Close | No |
| XXXX | xxxxx2712 |  |  | Closed | 2025-04-22 07:18 | 2025-04-28 08:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE provided that is within the 10 Business days from closing hence resolved. - Due Diligence Vendor-04/28/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/28/2025 <br>Ready for Review-Document Uploaded. - Seller-04/25/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide Borrower 1 3rd Party VOE - Due Diligence Vendor-04/22/2025 | Ready for Review-Document Uploaded. - Seller-04/25/2025<br>| Resolved-Requested 3rd Party VOE provided that is within the 10 Business days from closing hence resolved. - Due Diligence Vendor-04/28/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/28/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 3922359 | N/A | N/A |
| XXXX | xxxxx2712 |  |  | Closed | 2025-04-30 13:23 | 2025-05-01 10:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 329 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 350. An interior and exterior appraisal was completed for this property – see page 22, the appraisal disclosure was provided to the borrower(s)- see page 383 and copy of the appraisal was given to the borrower is in Findings The loan meets HPML guidelines. - Due Diligence Vendor-05/01/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 329 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 350. An interior and exterior appraisal was completed for this property – see page 22, the appraisal disclosure was provided to the borrower(s)- see page 383 and copy of the appraisal was given to the borrower is Missing The loan does not meet HPML guidelines. Provide e=vidence of appraisal delivery - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Resolved-The loan's (8.291%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 329 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 350. An interior and exterior appraisal was completed for this property – see page 22, the appraisal disclosure was provided to the borrower(s)- see page 383 and copy of the appraisal was given to the borrower is in Findings The loan meets HPML guidelines. - Due Diligence Vendor-05/01/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 329 and the Final Closing disclosure on page 179 reflects escrows. Rate lock date was entered correctly – see page 350. An interior and exterior appraisal was completed for this property – see page 22, the appraisal disclosure was provided to the borrower(s)- see page 383 and copy of the appraisal was given to the borrower is Missing The loan does not meet HPML guidelines. Provide e=vidence of appraisal delivery - Due Diligence Vendor-05/01/2025 <br>Resolved-The loan's (8.291%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-04/30/2025<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 4002414 | N/A | N/A |
| XXXX | xxxxx3884 |  |  | Closed | 2025-05-01 15:06 | 2025-05-01 15:33 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-The COC was uploaded with the Initial CD - Due Diligence Vendor-05/01/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – State. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-05/01/2025 |  | Resolved-The COC was uploaded with the Initial CD - Due Diligence Vendor-05/01/2025<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4015430 | N/A | N/A |
| XXXX | xxxxx3884 |  |  | Closed | 2025-04-23 13:17 | 2025-05-01 15:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-The initial CD was provided - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Open-TRID: Missing Closing Disclosure Initial Cd is missing in file. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-The initial CD was provided - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 3936323 | N/A | N/A |
| XXXX | xxxxx3884 |  |  | Closed | 2025-05-01 14:57 | 2025-05-01 15:06 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-the dates were captured wrong, so I had to switch them - Due Diligence Vendor-05/01/2025 <br>Open-You submitted a Last Closing Disclosure Received Date (2025-04-08) earlier than the Last Closing Disclosure Date Issued (2025-04-11). The System cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) open - Due Diligence Vendor-05/01/2025 |  | Resolved-the dates were captured wrong, so I had to switch them - Due Diligence Vendor-05/01/2025<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 4015325 | N/A | N/A |
| XXXX | xxxxx3884 |  |  | Closed | 2025-04-29 22:17 | 2025-05-01 14:30 | Resolved | 1 - Information C A | Compliance | Disclosure | Escrow Waiver is Not Executed | Resolved-Received page 2 of the Escrow Agreement as requested - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Open-the escrow agreement in the file is missing the signed page 2. Provide the missing page 2. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Received page 2 of the Escrow Agreement as requested - Due Diligence Vendor-05/01/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 3998937 | N/A | N/A |
| XXXX | xxxxx3884 |  |  | Closed | 2025-04-23 09:39 | 2025-05-01 08:07 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $280000 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/01/2025 <br>Ready for Review-Document Uploaded. - Seller-04/30/2025 <br>Open-Title Coverage Amount of $26000 is Less than Loan Amount Title coverage is lower than loan amount. - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/01/2025 | XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 3934880 | N/A | N/A |
| XXXX | xxxxxx2086 |  |  | Closed | 2025-04-25 06:03 | 2025-05-09 16:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Appraisal report clarification property current zoning not a PUD. Zoning XXXX which allows for single family residential use. Resolved. - Due Diligence Vendor-05/09/2025 <br> Ready for Review-Document Uploaded. - Seller-05/07/2025 <br> Open-The Deed of Trust is Missing We have the HOA fee in appraisal document as well as 1008 document , Provide the updated Deed of trust document with PUD check mark on it. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Appraisal report clarification property current zoning not a PUD. Zoning XXXX which allows for single family residential use. Resolved. - Due Diligence Vendor-05/09/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 3959168 | N/A | N/A |
| XXXX | xxxxxx2086 |  |  | Closed | 2025-04-25 04:23 | 2025-05-06 10:16 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-As Per the current zoning, the subject is not located in a PUD. The current zoning is XXXX, which allows for single-family residential use, Verified - Resolved - Due Diligence Vendor-05/06/2025 <br> Ready for Review-Document Uploaded. - Seller-05/05/2025 <br> Open-HOA Questionnaire is Missing or Partial. As per the appraisal we have the HOA amount but PUD box not check marked , we have the PUD rider on page #492 but that is not matching with closing date and updated PUD rider not provided in the file and also deed of trust , in riders page PUD not check marked, added findings for updated Deed and PUD rider document due to we have the HOA fee in the appraisal as well as 1008 document. Provide the updated appraisal report. - Due Diligence Vendor-04/25/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-As Per the current zoning, the subject is not located in a PUD. The current zoning is XXXX, which allows for single-family residential use, Verified - Resolved - Due Diligence Vendor-05/06/2025 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 3958786 | N/A | N/A |
| XXXX | xxxxxx2086 |  |  | Closed | 2025-04-25 05:32 | 2025-04-25 05:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.355%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) "This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 414and the Final Closing disclosure on Pg#'s 235, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 229. An interior and exterior appraisal was completed for this property – see pg 80, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 485, and confirmation the appraisal was delivered to the borrower – see Pg#'s 293, and HPML Page # 419.The loan meets HPML guidelines, resolved. "<br> - Due Diligence Vendor-04/25/2025 |  | Resolved-The loan's (9.355%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) "This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 414and the Final Closing disclosure on Pg#'s 235, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 229. An interior and exterior appraisal was completed for this property – see pg 80, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s 485, and confirmation the appraisal was delivered to the borrower – see Pg#'s 293, and HPML Page # 419.The loan meets HPML guidelines, resolved. "<br> - Due Diligence Vendor-04/25/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3959033 | N/A | N/A |
| XXXX | xxxxxx2360 |  |  | Closed | 2025-04-23 06:13 | 2025-04-23 12:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (10.442%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #345,460 and the Final Closing disclosure on Pg #167, Finding reflects escrows. Rate lock date was entered correctly – see Pg #453. An interior and exterior appraisal was completed for this property – see Pg #29, the appraisal disclosure was provided to the borrower Pg #492-495 and confirmation the appraisal was delivered to the borrower – see Pg #24<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/23/2025 |  | Resolved-The loan's (10.442%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #345,460 and the Final Closing disclosure on Pg #167, Finding reflects escrows. Rate lock date was entered correctly – see Pg #453. An interior and exterior appraisal was completed for this property – see Pg #29, the appraisal disclosure was provided to the borrower Pg #492-495 and confirmation the appraisal was delivered to the borrower – see Pg #24<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/23/2025<br>|  |  |  | TX | Primary Residence | Purchase | NA | 3933827 | N/A | N/A |
| XXXX | xxxxxx0515 |  |  | Closed | 2025-04-23 08:23 | 2025-05-02 14:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-05/02/2025 <br> Ready for Review-Document Uploaded. - Seller-04/30/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee, Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Require COC for origination fees which got added in revised LE dated XXXX, and require COC for appraisal fee which got added in revised Cd dated 04/07/2024. <br> - Due Diligence Vendor-04/23/2025 | Ready for Review-Document Uploaded. - Seller-04/30/2025<br>| Resolved- - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 3934636 | N/A | N/A |
| XXXX | xxxxxx0515 |  |  | Closed | 2025-04-23 08:23 | 2025-05-02 14:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Resolved with Mavent run. COCs captured - Due Diligence Vendor-05/02/2025 <br>Resolved-The loan's (8.98%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s430, 486<br> Final Closing disclosure on Pg#'209<br> Rate lock doc on pg-458<br> An interior and exterior appraisal was completed for this property on pg-32, 74. <br> A copy of the appraisal was given to the borrower on pgs-502.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 270, 271.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-04/23/2025 |  | Resolved-Resolved with Mavent run. COCs captured - Due Diligence Vendor-05/02/2025 <br>Resolved-The loan's (8.98%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly <br> All disclosures, COC's, Fees, and dates are entered correctly. <br> Rate lock date was entered correctly. <br> Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s430, 486<br> Final Closing disclosure on Pg#'209<br> Rate lock doc on pg-458<br> An interior and exterior appraisal was completed for this property on pg-32, 74. <br> A copy of the appraisal was given to the borrower on pgs-502.<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 270, 271.<br> The loan meets HPML Guidelines, resolved.<br> - Due Diligence Vendor-04/23/2025<br>|  |  |  | TN | Primary Residence | Purchase | NA | 3934637 | N/A | N/A |
| XXXX | xxxxxx0891 |  |  | Closed | 2025-04-29 18:51 | 2025-05-14 13:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception Approved in findings for LTV. Per guides max LTV for rural cash out is 65%, approved for 70% LTV. - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. - Seller-05/12/2025 <br>Open-Audited LTV Exceeds Guideline LTV As per Matrix 02/14/25, Max LTV Rural property 70% - 5% for Cash Out = 65% LTV. Requesting exception. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. - Seller-05/12/2025<br>| Waived-Exception Approved in findings for LTV. Per guides max LTV for rural cash out is 65%, approved for 70% LTV. - Due Diligence Vendor-05/14/2025<br>| XXXX |  | Comp Factor #1: Reserves of 13.39 months. Required reserves of 0 months.<br> Comp Factor #2: Residual Income of $9,098.21 a month, Required Residual Income of $1250 a month.  | NJ | Primary Residence | Refinance | Cash Out - Other | 3996583 | Originator Post-Close | Yes |
| XXXX | xxxxxx0891 |  |  | Closed | 2025-04-29 18:08 | 2025-05-02 13:18 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Lender Approval updated reflecting Alt Doc - 12 months Business bank Statements. - Due Diligence Vendor-05/02/2025 <br>Ready for Review-Document Uploaded. Hi, please see attached. - Seller-04/30/2025 <br>Open-The Lender Approval pg#375 shows Doc Type as Full Doc-12Month but Borrower Income document provided are 12 Months Bank Statements. Requesting updated Lender Approval form. - Due Diligence Vendor-04/29/2025 | Ready for Review-Document Uploaded. Hi, please see attached. - Seller-04/30/2025<br>| Resolved-Lender Approval updated reflecting Alt Doc - 12 months Business bank Statements. - Due Diligence Vendor-05/02/2025<br>| XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 3995617 | N/A | N/A |
| XXXX | xxxxx2652 |  |  | Closed | 2025-04-30 09:51 | 2025-05-06 13:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE's, Initial CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-05/06/2025 <br>Ready for Review-Document Uploaded. - Seller-05/05/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-04/30/2025 | Ready for Review-Document Uploaded. - Seller-05/05/2025<br>| Resolved-Revised LE's, Initial CD, COC's and Disclosure Tracking Summary received - Due Diligence Vendor-05/06/2025<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 4000815 | N/A | N/A |
| XXXX | xxxxx2652 |  |  | Closed | 2025-05-06 13:15 | 2025-05-06 13:25 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 308 and the Final Closing disclosure on page 208, 214 reflects escrows. Rate lock date was entered correctly – see page 334. An interior and exterior appraisal was completed for this property – see page 26, the appraisal disclosure was provided to the borrower(s)- see page 392 and copy of the appraisal was given to the borrower – see page 64. The loan meets HPML guidelines. - Due Diligence Vendor-05/06/2025 <br>Open-The loan's (8.534%) APR equals or exceeds the Federal HPML threshold of (8.12%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.62%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-05/06/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 308 and the Final Closing disclosure on page 208, 214 reflects escrows. Rate lock date was entered correctly – see page 334. An interior and exterior appraisal was completed for this property – see page 26, the appraisal disclosure was provided to the borrower(s)- see page 392 and copy of the appraisal was given to the borrower – see page 64. The loan meets HPML guidelines. - Due Diligence Vendor-05/06/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 4054605 | N/A | N/A |
| XXXX | xxxxx2652 |  |  | Closed | 2025-05-06 13:15 | 2025-05-06 13:17 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Inaccurate Loan Product - Redisclosure and Waiting Period | Resolved-Updated Final CD to Fixed Rate - Due Diligence Vendor-05/06/2025 <br>Open-The Loan Product of (FIXED RATE) on the Closing Disclosure is inaccurate. The actual Loan Product is (Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (2025-04-23). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) . - Due Diligence Vendor-05/06/2025 |  | Resolved-Updated Final CD to Fixed Rate - Due Diligence Vendor-05/06/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 4054603 | N/A | N/A |
| XXXX | xxxxx2652 |  |  | Closed | 2025-05-06 13:15 | 2025-05-06 13:17 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Corrected Closing Disclosure (Loan Product)(Last CD Received Date) | Resolved-Updated Final CD to Fixed Rate - Due Diligence Vendor-05/06/2025 <br> Open-The last Closing Disclosure Received Date (XXXX) is not at least 3 business days before the consummation date of (XXXX). The (FIXED RATE) disclosed Loan Product on the last Closing Disclosure does not match the system calculated (Fixed Rate) Loan Product. Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (XXXX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(B); OSC 19(f)(2)(ii)-1) . - Due Diligence Vendor-05/06/2025 |  | Resolved-Updated Final CD to Fixed Rate - Due Diligence Vendor-05/06/2025<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 4054604 | N/A | N/A |
| XXXX | xxxxx2652 |  |  | Closed | 2025-05-05 13:24 | 2025-05-05 13:24 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Exception Approved<br> Exception Approval page 352<br> Exception Reason: Other- Loan file 11 months existence, GL Requirement 1 yr existence for business<br> Borrower has been in the same line of business for 2+ yrs. Current business structure (LLC) was established on XXXX - Due Diligence Vendor-05/05/2025 |  | Waived-Exception Approved<br> Exception Approval page 352<br> Exception Reason: Other- Loan file 11 months existence, GL Requirement 1 yr existence for business<br> Borrower has been in the same line of business for 2+ yrs. Current business structure (LLC) was established on XXXX - Due Diligence Vendor-05/05/2025 |  |  | DTI- Loan File 37.82%, GL Requirement Max 50%<br> Credit Score- Loan File 729, GL Requirement Min 700<br> Residual Income- Loan File $8,154.45, GL Requirement $1,500+$150 per dependent= $1,650 | NJ | Primary Residence | Purchase | NA | 4041487 | Originator Pre-Close | Yes |
| XXXX | xxxxxx2073 |  |  | Closed | 2025-04-29 04:40 | 2025-04-30 19:45 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.809%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) "This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 349 and the Final Closing disclosure on Pg#'s 191, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 361. An interior and exterior appraisal was completed for this property – see pg 31, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s463, and confirmation the appraisal was delivered to the borrower – see Pg#'s 242, and HPML Page # 356.The loan meets HPML guidelines, resolved. "<br> - Due Diligence Vendor-04/29/2025 |  | Resolved-The loan's (8.809%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) "This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.<br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 349 and the Final Closing disclosure on Pg#'s 191, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 361. An interior and exterior appraisal was completed for this property – see pg 31, the appraisal acknowledgment was provided to the borrower(s)- see Pg#'s463, and confirmation the appraisal was delivered to the borrower – see Pg#'s 242, and HPML Page # 356.The loan meets HPML guidelines, resolved. "<br> - Due Diligence Vendor-04/29/2025<br>|  |  |  | WA | Primary Residence | Purchase | NA | 3988125 | N/A | N/A |
| XXXX | xxxxx3930 |  |  | Closed | 2025-05-08 22:11 | 2025-05-14 15:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Waiver and comp factors accepted - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. - Seller-05/13/2025 <br>Open-Guidelines do not allow entity to sign note Guidelines state that the note can't be signed by a business entity - Due Diligence Vendor-05/08/2025 | Waived-Borrower signed note as member of LLC instead of as individual, which differs from guideline. This is fine since we have the guaranty. - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. - Seller-05/13/2025<br>| Waived-Waiver and comp factors accepted - Due Diligence Vendor-05/14/2025<br>| XXXX |  | FICO 675; minimum 660<br> 128 months reserves; 2 required<br> Borrower signed note as member of LLC instead of as individual, which differs from guideline. This is fine since we have the guaranty.<br>| FL | Investment | Refinance | Cash Out - Other | 4088254 | Originator Pre-Close | Yes |
| XXXX | xxxxx1363 |  |  | Closed | 2025-05-06 22:59 | 2025-06-30 16:02 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Open-OFAC Check Not Completed and/or Cleared The exception for the borrowers is on page 210. - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 4063900 | N/A | N/A |
| XXXX | xxxxx1363 |  |  | Closed | 2025-06-30 16:02 | 2025-06-30 16:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Borrower Type ineligible per program guidelines. Ineligible borrower per guidelines. Exception on file to proceed. Finding has been waived appropriately. - Due Diligence Vendor-06/30/2025 |  | Waived-Borrower Type ineligible per program guidelines. Ineligible borrower per guidelines. Exception on file to proceed. Finding has been waived appropriately. - Due Diligence Vendor-06/30/2025<br>|  |  | 1- 49.99% LTV - 75% LTV maximum<br> 2- 26.84 months reserves - 6 months reserves required (loan is a Purchase) | FL | Investment | Purchase | NA | 4603347 | Originator Pre-Close | Yes |
| XXXX | xxxxx1363 |  |  | Closed | 2025-05-05 04:57 | 2025-05-08 10:03 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Updated Completion Report (442/10040) | Resolved-Required Document provided, Changes made in system , Finding Resolved - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Open-Appraisal report is subject to completion per plans however 1004D doc is missing in the file. Provide 1004D - Due Diligence Vendor-05/05/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Required Document provided, Changes made in system , Finding Resolved - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | FL | Investment | Purchase | NA | 4039357 | N/A | N/A |
| XXXX | xxxxx3898 |  |  | Closed | 2025-05-08 13:35 | 2025-05-08 13:50 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 274 and the Final Closing disclosure on page 176 reflects escrows. Rate lock date was entered correctly – see page 297. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 351 and copy of the appraisal was given to the borrower – see page 64. The loan meets HPML guidelines. - Due Diligence Vendor-05/08/2025 <br>Open-The loan's (10.627%) APR equals or exceeds the Federal HPML threshold of (8.15%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.65%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-05/08/2025 |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 274 and the Final Closing disclosure on page 176 reflects escrows. Rate lock date was entered correctly – see page 297. An interior and exterior appraisal was completed for this property – see page 19, the appraisal disclosure was provided to the borrower(s)- see page 351 and copy of the appraisal was given to the borrower – see page 64. The loan meets HPML guidelines. - Due Diligence Vendor-05/08/2025<br>|  |  |  | PA | Primary Residence | Purchase | NA | 4080330 | N/A | N/A |
| XXXX | xxxxx3898 |  |  | Closed | 2025-05-06 17:13 | 2025-05-08 13:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE, Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-05/08/2025 <br>Ready for Review-Document Uploaded. - Seller-05/07/2025 <br>Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-05/06/2025 | Ready for Review-Document Uploaded. - Seller-05/07/2025<br>| Resolved-Revised LE, Initial CD and Disclosure Tracking Summary received - Due Diligence Vendor-05/08/2025<br>| XXXX |  |  | PA | Primary Residence | Purchase | NA | 4058815 | N/A | N/A |
| XXXX | xxxxx3898 |  |  | Closed | 2025-05-01 15:06 | 2025-05-06 16:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception Approved<br> Exception Approval page 301<br> Exception Reason: Reserves- Loan File 2 months, GL Requirement Min 3 months - Due Diligence Vendor-05/01/2025 |  | Waived-Exception Approved<br> Exception Approval page 301<br> Exception Reason: Reserves- Loan File 2 months, GL Requirement Min 3 months - Due Diligence Vendor-05/01/2025<br>|  |  | DTI - Loan File 23.74%, GL Requirement Max. 50%.<br> Residual Income = Loan File $17,719.53, GL Requirement Min $1500 + $150 per dependent \*4= $1950 | PA | Primary Residence | Purchase | NA | 4015428 | Originator Pre-Close | Yes |
| XXXX | xxxxx3892 |  |  | Closed | 2025-05-12 21:11 | 2025-05-14 16:55 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-the asset worksheet was provided - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. - Seller-05/13/2025 <br>Open-Missing the asset worksheet - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. - Seller-05/13/2025<br>| Resolved-the asset worksheet was provided - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | TX | Investment | Purchase | NA | 4120381 | N/A | N/A |
| XXXX | xxxxx4240 |  |  | Closed | 2025-05-08 06:31 | 2025-05-13 10:48 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Requested updated HOI Policy provided with the effective date of XXXX which is within the disbursement date XXXX hence resolved. - Due Diligence Vendor-05/13/2025 <br> Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/13/2025 <br> Ready for Review-Document Uploaded. Attached. - Seller-05/12/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX HOI effective date is XXXX and Note date is XXXX. Provide HOI Policy with an effective date on or prior to XXXX - Due Diligence Vendor-05/08/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/12/2025<br>| Resolved-Requested updated HOI Policy provided with the effective date of XXXX which is within the disbursement date XXXX hence resolved. - Due Diligence Vendor-05/13/2025 <br> Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Note Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/13/2025 | XXXX |  |  | FL | Investment | Purchase | NA | 4078168 | N/A | N/A |
| XXXX | xxxxx3987 |  |  | Closed | 2025-05-07 06:52 | 2025-05-09 17:22 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Waived-The loan's (9.302%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.66%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per external counsel, it is appropriate to waive to a Grade B. - Due Diligence Vendor-05/07/2025 |  | Waived-The loan's (9.302%) APR equals or exceeds the North Carolina Rate Spread Home Loan first lien conforming loan threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.66%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per external counsel, it is appropriate to waive to a Grade B. - Due Diligence Vendor-05/07/2025<br>|  |  |  | NC | Primary Residence | Purchase | NA | 4065620 | Originator Post-Close | Yes |
| XXXX | xxxxx3987 |  |  | Closed | 2025-05-07 06:52 | 2025-05-07 07:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (9.302%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 388 and the Final Closing disclosure on Pg 174 reflects escrows. Rate lock date was entered correctly – see Pg 404 An interior and exterior appraisal was completed for this property – see pg 36 to 41 the appraisal disclosure was provided to the borrower(s)- see Pg 400, and copy of the appraisal was given to the borrower – see Pg 21 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/07/2025 |  | Resolved-The loan's (9.302%) APR equals or exceeds the Federal HPML threshold of (8.16%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.66%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 388 and the Final Closing disclosure on Pg 174 reflects escrows. Rate lock date was entered correctly – see Pg 404 An interior and exterior appraisal was completed for this property – see pg 36 to 41 the appraisal disclosure was provided to the borrower(s)- see Pg 400, and copy of the appraisal was given to the borrower – see Pg 21 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/07/2025<br>|  |  |  | NC | Primary Residence | Purchase | NA | 4065619 | N/A | N/A |
| XXXX | xxxxx4121 |  |  | Closed | 2025-05-10 04:13 | 2025-05-14 12:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Waiver and comp factors accepted. - Due Diligence Vendor-05/14/2025 <br> Ready for Review-Document Uploaded. - Seller-05/13/2025 <br> Open-Guidelines do not allow entity to sign note Document Uploaded. Note was signed by XXXX on behalf of the Business Entity, XXXX. Provide Exception - Due Diligence Vendor-05/10/2025 | Waived-Borrower signed note as member of LLC instead of as individual, which differs from guideline. This is fine since we have the guaranty.<br> - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. - Seller-05/13/2025<br>| Waived-Waiver and comp factors accepted. - Due Diligence Vendor-05/14/2025<br>| XXXX |  | Credit Score- Loan File 740, GL Requirement Min 700<br> LTV- Loan File 58.33%, GL Requirement Max 65%<br> Consumer Payment History- Loan File 1x30x12, GL Requirement 0x60x12 <br> Other: Foreign National with US Credit- 2 tradelines but only one reporting in the last 12 months | FL | Investment | Refinance | Cash Out - Other | 4103340 | Originator Pre-Close | Yes |
| XXXX | xxxxx4121 |  |  | Closed | 2025-05-12 19:26 | 2025-05-14 11:02 | Resolved | 1 - Information C A | Compliance | Disclosure | Additional Mortgage Disclosures is Missing | Resolved-Florida Foreign Interest Affidavit received - Due Diligence Vendor-05/14/2025 <br>Ready for Review-Document Uploaded. Attached. - Seller-05/12/2025 <br>Open-Provide Florida Foreign Interest Affidavit - Due Diligence Vendor-05/12/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/12/2025<br>| Resolved-Florida Foreign Interest Affidavit received - Due Diligence Vendor-05/14/2025<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 4118870 | N/A | N/A |
| XXXX | xxxxx4121 |  |  | Closed | 2025-05-12 03:29 | 2025-05-12 18:40 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Approved <br> Exception Approval page 286<br> Exception Reasons: <br> Subject property- Loan File To use current appraised value for Cash Out Refinance on property acquired less than 6 months, GL Requirement Property acquired < 6 months<br> Other - Loan File Insufficient XXXX coverage, GL Requirement Coverage requires 3 months HOA dues <br> Need exception to use current appraised value for Cash Out Refinance on property acquired less than 6 months from application date. Deed executed XXXX and App Date is XXXX, we are short 8 days to meet 6 months. - Due Diligence Vendor-05/12/2025 |  | Waived-Exception Approved <br> Exception Approval page 286<br> Exception Reasons: <br> Subject property- Loan File To use current appraised value for Cash Out Refinance on property acquired less than 6 months, GL Requirement Property acquired < 6 months<br> Other - Loan File Insufficient XXXX coverage, GL Requirement Coverage requires 3 months HOA dues <br> Need exception to use current appraised value for Cash Out Refinance on property acquired less than 6 months from application date. Deed executed XXXX and App Date is XXXX, we are short 8 days to meet 6 months. - Due Diligence Vendor-05/12/2025 |  |  | Credit Score- Loan File 740, GL Requirement Min 700<br> LTV- Loan File 58.33%, GL Requirement Max 65%<br> Consumer Payment History- Loan File 1x30x12, GL Requirement 0x60x12 <br> Other: Foreign National with US Credit- 2 tradelines but only one reporting in the last 12 months | FL | Investment | Refinance | Cash Out - Other | 4108658 | Originator Pre-Close | Yes |
| XXXX | xxxxx4057 |  |  | Closed | 2025-05-09 06:31 | 2025-05-16 17:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Waiver and comp factors accepted - Due Diligence Vendor-05/16/2025 <br> Ready for Review-XXXX approves the exception. Ok to proceed. - Seller-05/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrowers have been renting for the last 24 months in 4 different properties, unable to provide VOR and additional 3 months reserves are need to add as per guidelines but we have UW exception for the same at page #957, the subject property need 6 months reserves as per FICO and need to add additional 3 months for rent history but required reserves are updated as "7" as per UW exception. - Due Diligence Vendor-05/09/2025 | Ready for Review-XXXX approves the exception. Ok to proceed. - Seller-05/16/2025 | Waived-Waiver and comp factors accepted - Due Diligence Vendor-05/16/2025<br>|  |  | 1.DTI is 36.517%. Maximum allowed per guidelines is 50%.<br> 2.Borrower Housing History is 0X60, 62 months. Housing History required per guidelines is 0X60, 12 months.<br> 3.Residual Income is $6941.17. Minimum Residual Income required per guidelines is $2500. <br> 4. Job stability we required 2 year Self employment but borrowers has 8 years. | IL | Primary Residence | Purchase | NA | 4090262 | Originator Pre-Close | Yes |
| XXXX | xxxxx4057 |  |  | Closed | 2025-05-14 17:18 | 2025-05-15 16:02 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received the COC - Due Diligence Vendor-05/15/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Verification Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-05/14/2025 |  | Resolved-Received the COC - Due Diligence Vendor-05/15/2025<br>|  |  |  | IL | Primary Residence | Purchase | NA | 4140585 | N/A | N/A |
| XXXX | xxxxx4057 |  |  | Closed | 2025-05-09 08:00 | 2025-05-15 16:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the Initial CD - Due Diligence Vendor-05/15/2025 <br>Ready for Review-Document Uploaded. Attached. - Seller-05/13/2025 <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file, we need initial CD to Run the mavent. - Due Diligence Vendor-05/09/2025 | Ready for Review-Document Uploaded. Attached. - Seller-05/13/2025<br>| Resolved-Received the Initial CD - Due Diligence Vendor-05/15/2025<br>| XXXX |  |  | IL | Primary Residence | Purchase | NA | 4090749 | N/A | N/A |
| XXXX | xxxxx4057 |  |  | Closed | 2025-05-14 17:18 | 2025-05-15 16:00 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-resolved - Due Diligence Vendor-05/15/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _732___ and the Final Closing disclosure on Pg#'s _204___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _763____ An interior and exterior appraisal was completed for this property – see pg _23___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_839__ , and copy of the appraisal was given to the borrower – see Pg#'s ___56__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/14/2025 <br>Open-The loan's (9.582%) APR equals or exceeds the Federal HPML threshold of (8.31%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.81%).(12 CFR 1026.35(a)(1)(i)) open - Due Diligence Vendor-05/14/2025 |  | Resolved-resolved - Due Diligence Vendor-05/15/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _732___ and the Final Closing disclosure on Pg#'s _204___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _763____ An interior and exterior appraisal was completed for this property – see pg _23___ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_839__ , and copy of the appraisal was given to the borrower – see Pg#'s ___56__ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/14/2025<br>|  |  |  | IL | Primary Residence | Purchase | NA | 4140586 | N/A | N/A |

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## Exhibit 99.11

**Exhibit 99.11 Schedule 4**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xxxxxx6870 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90 | 90 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2163 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.2 | XXXX |
| xxxxxx2053 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 2.5 | XXXX |
| xxxxxx5758 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2.6 | XXXX |
| xxxxxx6083 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 2.7 | XXXX |
| xxxxxx7217 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 3.3 | XXXX |
| xxxxxx5275 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| xxxxxx2556 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| xxxxxx4032 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4110 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx9804 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx1594 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 84.99 | 84.99 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.9 | XXXX |
| xxxxx1445 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| xxxxx1465 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx1418 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx0165 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx0852 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx1399 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | 9000 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx1369 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx1466 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx1632 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.6 | XXXX |
| xxxxx1483 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx1602 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx1400 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx1468 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| xxxxxx7784 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.3 | XXXX |
| xxxxx1582 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx1362 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.4 | XXXX |
| xxxxx8096 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 53.93 | 53.93 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| xxxxx1563 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx1562 | xxxxx1562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.3 | XXXX |
| xxxxx1439 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX | 2000 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 5 | XXXX |
| xxxxx1570 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx1636 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx0191 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.4 | XXXX |
| xxxxxx4857 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 4 | XXXX |
| xxxxx2813 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| xxxxx1624 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| xxxxx0222 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx1357 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx9677 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx1618 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 4000 | XXXX | Desk Review |  |  |  |  | XXXX | 4000 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 4000 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx0970 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.8 | XXXX |
| xxxxx2762 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| xxxxx0140 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.83 | 65.83 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx1610 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 78.43 | 78.43 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.8 | XXXX |
| xxxxx2902 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2.4 | XXXX |
| xxxxx1385 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx1487 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx1667 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 77.39 | 77.39 | XXXX | -9000 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.2 | XXXX |
| xxxxx2735 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.9 | XXXX |
| xxxxx2894 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx2784 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.9 | XXXX |
| xxxxxx2978 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| xxxxxx3838 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2.7 | XXXX |
| xxxx5037 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4481 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4237 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2845 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx4262 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | -23000 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | -23000 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| xxxxxx0837 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2179 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 3.7 | XXXX |
| xxxxx1243 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3548 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| xxxxxx4429 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1.9 | XXXX |
| xxxxxx3128 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Unavailable | 4.2 | XXXX |
| xxxxx2884 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 33.39 | 33.39 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.5 | XXXX |
| xxxxxx4144 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.3 | XXXX |
| xxxxxx4155 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3646 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1.7 | XXXX |
| xxxxxx4351 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx1073 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx4817 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| xxxxxx5238 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.1 | XXXX |
| xxxxxx2201 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.84 | 74.84 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.6 | XXXX |
| xxxxxx3517 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| xxxxxx5424 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 52.63 | 52.63 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 0 | XXXX | Not Eligible | 1 | XXXX |
| xxxxxx5260 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.5 | XXXX |
| xxxxxx5242 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.3 | XXXX |
| xxxxx2774 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 37.34 | 37.34 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| xxxxxx3793 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2.8 | XXXX |
| xxxxxx4623 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.3 | XXXX |
| xxxxxx5434 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| xxxxxx1317 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 89.99 | 89.99 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1 | XXXX |
| xxxxxx4377 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  | XXXX |
| xxxxxx4134 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx4474 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 57.02 | 57.02 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.1 | XXXX |
| xxxxx2490 | xxxxx2490 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 53.97 | 53.97 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx5040 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 48.28 | 48.28 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| xxxxxx6643 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 32.05 | 32.05 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 4.6 | XXXX |
| xxxxxx4292 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.11 | 65.11 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible |  | XXXX |
| xxxxxx7297 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.2 | XXXX |
| xxxxxx2311 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3534 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 67.46 | 67.46 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx3952 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx3796 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx2910 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 84.99 | 84.99 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx1203 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | 2000 One Unit Appraisal Field Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx1064 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 | XXXX |
| xxxxxx3899 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.2 | XXXX |
| xxxxxx5852 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx8657 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 73.94 | 73.94 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| xxxxx3874 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| xxxxx3828 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx3960 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx3417 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Loan Collateral Advisor (LCA) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  | XXXX |
| xxxxxx8963 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 3.5 | XXXX |
| xxxxxx4930 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.57 | 67.57 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx4114 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.6 | XXXX |
| xxxxxx2260 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 79.0 | 79.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 2.9 | XXXX |
| xxxxxx7694 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.39 | 74.39 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx1303 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.4 | XXXX |
| xxxxx3029 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx1239 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx3771 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx3817 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3 | XXXX |
| xxxxx3914 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 69.72 | 69.72 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.3 | XXXX |
| xxxxx2668 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.6 | XXXX |
| xxxxx3005 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.38 | 65.38 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx2658 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.0 | 67.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| xxxxx3923 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx2712 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.6 | XXXX |
| xxxxx3781 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxx3884 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 50.91 | 50.91 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | XXXX |
| xxxxxx2086 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2.6 | XXXX |
| xxxxxx2360 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 2.6 | XXXX |
| xxxxxx0515 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 5000 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX | 5000 | XXXX | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 1.9 | XXXX |
| xxxxxx0891 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible | 3.2 | XXXX |
| xxxxx2652 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxxx2073 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 90.0 | 90.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Eligible | 1 | XXXX |
| xxxxx3930 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | -10000 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | -10000 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.3 | XXXX |
| xxxxx1363 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 49.99 | 49.99 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx3898 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| xxxxx3892 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.1 | XXXX |
| xxxxx4240 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |
| xxxxx3987 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 85.0 | 85.0 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.7 | XXXX |
| xxxxx4121 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 58.33 | 58.33 | XXXX | 0 | XXXX | Desk Review |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX | 0 | XXXX | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.6 | XXXX |
| xxxxx4057 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | 0 | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.2 | XXXX |

---

## Exhibit 99.11

**Exhibit 99.11 Schedule 5**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXXX | xxxxxx2163 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1425 | Appraisal - 1007 | 1823.03 | Airbnb | 3 |  | 1823.03 | XXXX | Yes | 82.41 | 1.21 | 1.213 | 1502.42 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18900 |  | XXXX |  | 1823.03 |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 | N/A | 13.04 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | xxxxxx2053 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1250 | Appraisal - 1007 | 1780.08 | Airbnb | 12 |  | 1780.08 | XXXX | Yes | 81.82 | 1.22 | 1.222 | 1456.45 |  |  | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10000 |  | XXXX |  | 1780.08 |  |  |  |  |  |  | No | No | 1.8 | 1 | 1 | N/A | 40.46 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | xxxxxx6083 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 3500 | 3800 | Appraisal - 1007 |  | N/A |  |  | 3500 | Actual In Place Rent | No | 228.18 |  | 0 | 7986.44 | 3500 | 10-30-2023 | 18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 3500 |  |  |  |  |  |  | No | No | 1.7 | 1 | 1 | N/A | 6.26 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | xxxxxx5275 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2600 | 2375 | Appraisal - 1025 |  | N/A |  |  | 2375 | Appraisal - 1025 | No | 66.74 | 1.498 | 1.498 | 1585.07 | 1300 | 12-31-2025 | 12 | 1300 | 12-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  | XXXX |  | 2375 |  |  |  |  |  |  | No | No | 5.8 | 1 | 1 | N/A | 9.5 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | xxxxxx2556 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 1750 | Appraisal - 1007 | 2625 | AirDNA | 12 |  | 2625 | XXXX | Yes | 85.48 | 1.17 | 1.17 | 2243.77 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29385 |  | XXXX |  | 2625 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 8.94 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | xxxxxx4032 | XXXX | XXXX | XXXX | XXXX | Full Doc | Present | Yes | 8490 | 8800 | Appraisal - 1025 |  | N/A |  |  | 8800 | Appraisal - 1025 | No | 90.98 | 0 | 0 | 8006.24 | 2245 | 01-31-2025 | 12 | 2000 | 09-19-2018 | 1 | 2245 | 01-31-2025 | 12 | 2000 | 09-19-2018 | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 160600 |  | XXXX |  | 8800 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 40.47 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | xxxxxx4110 | XXXX | XXXX | XXXX | XXXX | Full Doc | Present | No | 0 | 6000 | Appraisal - 1025 |  | N/A |  |  | 6000 | Appraisal - 1025 | No | 100.01 | 0 | 0 | 6000.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 46370 |  | XXXX |  | 6000 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 5.37 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | xxxxx9804 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2550 | Appraisal - 1007 |  | N/A |  |  | 2550 | Appraisal - 1007 | No | 99.91 | 1.001 | 1.001 | 2547.76 | 0 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10574.22 |  | XXXX |  | 2550 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 46.31 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |  | XXXX |
| XXXX | xxxxx1582 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  | N/A |  |  | 1700 | Appraisal - 1007 | No | 97.98 | 1.003 | 1.021 | 1665.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  | XXXX |  | 1700 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 44.19 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | xxxxx8096 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3250 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2900 | Appraisal - 1007 | No | 92.47 | 1.081 | 1.081 | 2681.71 | 3250 | 08-31-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 2900 |  |  |  |  |  |  | No | No | 9 | 1 | 1 | N/A | 6.78 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | xxxxx1562 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  |  |  |  |  | N/A | No |  | 0 | 0 | 13211.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 0 |  |  |  |  |  |  | No | No | 1.5 | 1 | 1 | N/A | 44.48 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | xxxxx1570 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 95.2 | 1.05 | 1.05 | 2094.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26400 |  | XXXX |  | 2200 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 131.12 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | xxxxxx4857 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 16300 | Appraisal - 1007 |  | N/A |  |  | 16300 | Appraisal - 1007 | No | 51.93 | 1.926 | 1.926 | 8464.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 183800 |  | XXXX |  | 16300 |  |  |  |  |  |  | No | No | 0 | 16 | 1 | N/A | 16.56 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 2 |  | XXXX |
| XXXX | xxxx5037 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3900 | 4500 | Appraisal - 1007 |  | N/A |  |  | 3900 | Actual In Place Rent | No | 125.28 | 0.801 | 0.798 | 4885.83 | 3900 | 01-28-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27000 |  | XXXX |  | 3900 |  |  |  |  |  |  | No | No | 1.9 | 1 | 1 | N/A | 40.02 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 0 | Full Recourse | XXXX |
| XXXX | xxxxxx4481 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5200 | 5200 | Appraisal - 1025 |  | N/A |  |  | 5200 | Appraisal - 1025 | No | 92.64 | 1.079 | 1.079 | 4817.53 | 2800 | 07-01-2026 | 24 | 2400 | 09-01-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  | XXXX |  | 5200 |  |  |  |  |  |  | No | No | 20.8 | 1 | 1 | N/A | 76.25 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | xxxxxx4237 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5125.6 | Appraisal - 1007 |  |  |  |  | 5125.6 | Appraisal - 1007 | No | 91.48 | 1.093 | 1.093 | 4688.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35000 |  | XXXX |  | 5125.6 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 3.5 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | xxxxxx4262 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4950 | 7300 | Appraisal - 1025 |  | N/A |  |  | 4950 | Actual In Place Rent | No | 94.76 | 1.055 | 1.055 | 4690.86 | 1350 | 01-01-2026 | 12 | 1800 | 01-01-2026 | 12 | 1800 | 01-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  | XXXX |  | 4950 |  |  |  |  |  |  | No | No | 1 | 1 | 1 | N/A | 4.22 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | xxxxxx0837 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 91.05 | 1.156 | 1.156 | 2854.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10000 |  | XXXX | 0 | 3300 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | Credit Reference Letter | 19.92 | No | XXXX | Limited Liability Corporation (LLC) | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | xxxxxx4144 | XXXX | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 4800 | Appraisal - 1007 |  | N/A |  |  | 4800 | Appraisal - 1007 | No | 125.75 |  | 0 | 6036.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 94700 |  | XXXX |  | 4800 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 6.25 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | xxxxxx4155 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1565 | 1575 | Appraisal - 1007 |  | N/A |  |  | 1565 | Actual In Place Rent | No | 79.35 | 1.26 | 1.26 | 1241.76 | 1565 | 11-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34500 |  | XXXX |  | 1565 |  |  |  |  |  |  | No | No | 1.5 | 1 | 1 | N/A | 7.3 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | xxxxxx3646 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 5950 | Appraisal - 1007 |  | N/A |  |  | 5950 | Appraisal - 1007 | No | 145.7 |  | 0 | 8668.92 | 0 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 93000 |  | XXXX |  | 5950 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 21.75 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 |  | XXXX |
| XXXX | xxxxxx4351 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1775 | Appraisal - 1007 |  | N/A |  |  | 1775 | Appraisal - 1007 | No | 85.35 | 1.172 | 1.172 | 1514.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21300 |  | XXXX |  | 1775 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 31.45 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | xxxxxx2201 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1530 | 1450 | Appraisal - 1007 |  | N/A |  |  | 1450 | Appraisal - 1007 | No | 70.82 | 1.412 | 1.412 | 1026.85 | 1530 | 12-31-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28070 |  | XXXX |  | 1450 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 34.22 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | xxxxxx5424 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 77.28 | 1.294 | 1.294 | 1545.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27000 |  | XXXX | 0 | 2000 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 51.67 | No | XXXX | Limited Liability Corporation (LLC) | Individual | XXXX | XXXX | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 0 | Full Recourse | XXXX |
| XXXX | xxxxxx5260 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 118.67 | 0.843 | 0.843 | 2966.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  | XXXX |  | 2500 |  |  |  |  |  |  | No | No | 0 | 2 | 1 | N/A | 602.02 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | xxxxxx5242 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2550 | Appraisal - 1007 |  | N/A |  |  | 2550 | Appraisal - 1007 | No | 120.94 | 0.827 | 0.827 | 3084.05 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30600 |  | XXXX |  | 2550 |  |  |  |  |  |  | No | No | 0 | 2 | 1 | N/A | 577.89 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | xxxxxx4377 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1800 | 3000 | Appraisal - 1025 |  | N/A |  |  | 3000 | Appraisal - 1025 | No | 99.11 | 1.009 | 1.009 | 2973.3 | 1800 | 02-01-2026 | 12 | 0 | 03-03-2025 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 54726 |  | XXXX |  | 3000 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 15.39 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | xxxxxx4134 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2500 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1800 | Appraisal - 1007 | No | 110.38 | 1.132 | 1.132 | 1986.78 | 2500 | 12-16-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23841.36 |  | XXXX |  | 1800 |  |  |  |  |  |  | No | No | 2.4 | 1 | 1 | N/A | 82.6 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | xxxxx2490 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3200 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3200 | Actual In Place Rent | No | 97.32 | 1.031 | 0.963 | 3114.14 | 3200 | 05-31-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36277.68 |  | XXXX |  | 3200 |  |  |  |  |  |  | No | No | 6.8 | 1 | 1 | N/A | 113.1 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | xxxxxx4292 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3000 | Appraisal - 1007 | No | 95.49 | 1.047 | 1.047 | 2864.6 | 0 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 99600 |  | XXXX |  | 3000 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 15.11 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | No | 0 | N/A | XXXX |
| XXXX | xxxxxx7297 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1800 | Appraisal - 1007 | No | 76.31 | 1.311 | 1.311 | 1373.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28000 |  | XXXX |  | 1800 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 31.16 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | xxxxxx2311 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1070 | 1000 | Appraisal - 1007 |  | N/A |  |  | 1070 | Actual In Place Rent | No | 63.07 | 1.59 | 1.586 | 674.86 | 1070 | 04-30-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13638 |  | XXXX |  | 1070 |  |  |  |  |  |  | No | No | 6.2 | 1 | 1 | N/A | 169.05 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | xxxxxx3534 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5000 | 7300 | Appraisal - 1025 |  | N/A |  |  | 7300 | Appraisal - 1025 | No | 54.54 | 1.834 | 1.834 | 3981.34 | 1600 | 04-30-2025 | 1 | 3400 | 04-30-2025 | 1 | 0 | 04-30-2025 | 0 | 0 | 04-30-2025 | 0 |  |  |  |  |  |  |  |  |  |  | Yes | 60000 |  | XXXX |  | 7300 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 3.3 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | xxxxx3952 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No - Vacant | 0 | 2150 | Appraisal - 1007 |  | N/A |  |  | 2150 | Appraisal - 1007 | No | 73.43 | 1.362 | 1.362 | 1578.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  | XXXX |  | 2150 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 25.09 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | xxxxx3796 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2075 | Appraisal - 1007 |  | N/A |  |  | 2075 | Appraisal - 1007 | No | 88.86 | 1.125 | 1.125 | 1843.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22500 |  | XXXX |  | 2075 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 8.53 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | xxxxxx1064 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No - Vacant | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 98.17 | 0 | 0 | 2454.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37000 |  | XXXX |  | 2500 |  |  |  |  |  |  | No | No | 3.6 | 1 | 1 | N/A | 48.28 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | xxxxxx8657 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4300 | 3800 | Appraisal - 1007 |  | N/A |  |  | 4300 | Actual In Place Rent | No | 99.25 | 1.008 | 1.008 | 4267.74 | 4300 | 10-01-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 4300 |  |  |  |  |  |  | No | No | 1.6 | 1 | 1 | N/A | 13.37 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | xxxxx3828 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1100 | 2000 | Appraisal - 1025 |  | N/A |  |  | 2000 | Appraisal - 1025 | No | 89.31 | 1.12 | 1.12 | 1786.28 | 1100 | 01-01-2026 | 12 | 0 | 01-09-1900 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37800 |  | XXXX |  | 2000 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 27.13 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | xxxxxx4930 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1300 | 1250 | Appraisal - 1007 |  | N/A |  |  | 1250 | Appraisal - 1007 | No | 93 | 1.075 | 1.075 | 1162.44 | 1300 | 02-21-2026 | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  | XXXX |  | 1250 |  |  |  |  |  |  | No | No | 6.2 | 1 | 1 | N/A | 99.76 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | xxxxxx2260 | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 2300 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Actual In Place Rent | No | 173.66 |  | 0 | 3994.14 | 2300 | 02-28-2026 | 575 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45900 |  | XXXX |  | 2300 |  |  |  |  |  |  | No | No | 0.5 | 1 | 1 | N/A | 30.47 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | xxxxxx7694 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3250 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3250 | Actual In Place Rent | No | 100.65 | 0.994 | 0.994 | 3271.18 | 3250 | 02-28-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 3250 |  |  |  |  |  |  | No | No | 11.9 | 1 | 1 | N/A | 15.46 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | xxxxxx1303 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2308 | Appraisal - 1025 |  | N/A |  |  | 2308 | Appraisal - 1025 | No | 98.15 | 1.019 | 1.019 | 2265.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 8000 |  | XXXX |  | 2308 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 15.44 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 |  | XXXX |
| XXXX | xxxxx3029 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2340 | 2105 | Appraisal - 1025 |  | N/A |  |  | 2105 | Appraisal - 1025 | No | 68.09 | 1.469 | 1.469 | 1433.23 | 765 | 01-31-2026 | 12 | 925 | 01-31-2026 | 12 | 650 | 11-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32960 |  | XXXX | 0 | 2105 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 20 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | xxxxx1239 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5300 | Appraisal - 1025 |  | N/A |  |  | 5300 | Appraisal - 1025 | No | 80 | 1.25 | 1.25 | 4239.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19000 |  | XXXX |  | 5300 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 13.86 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | xxxxx3817 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1250 | Appraisal - 1007 |  | N/A |  |  | 1250 | Appraisal - 1007 | No | 98.64 | 1.014 | 1.014 | 1232.95 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18800 |  | XXXX |  | 1250 |  |  |  |  |  |  | No | No | -0.2 | 1 | 1 | N/A | 229.77 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | xxxxx3914 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1950 | Appraisal - 1007 |  | N/A |  |  | 1950 | Appraisal - 1007 | No | 84.61 | 1.182 | 1.182 | 1649.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 1950 |  |  |  |  |  |  | No | No | 4.6 | 1 | 1 | N/A | 69.43 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | xxxxx2668 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1635 | Appraisal - 1007 |  | N/A |  |  | 1635 | Appraisal - 1007 | No | 94.97 | 1.053 | 1.053 | 1552.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 1635 |  |  |  |  |  |  | No | No |  | 1 | 1 | Foreign Credit Report | 17.84 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | xxxxx2658 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2400 | 2550 | Appraisal - 1007 |  | N/A |  |  | 2400 | Actual In Place Rent | No | 132.46 | 0.755 | 0.755 | 3179.16 | 2400 | 11-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 65200 |  | XXXX |  | 2400 |  |  |  |  |  |  | No | No | 7.3 | 1 | 1 | N/A | 104.78 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | xxxxx3781 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5550 | Appraisal - 1025 |  | N/A |  |  | 5550 | Appraisal - 1025 | No | 62.5 | 1.6 | 1.6 | 3468.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22300 |  | XXXX |  | 5550 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 68.36 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | xxxxx3930 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3500 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 92.03 | 1.087 | 1.087 | 2024.75 | 3500 | 01-05-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26500 |  | XXXX |  | 2200 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 128 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | xxxxx1363 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2350 | Appraisal - 1007 |  | N/A |  |  | 2350 | Appraisal - 1007 | No | 82.5 | 1.212 | 1.212 | 1938.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24000 |  | XXXX |  | 2350 |  |  |  |  |  |  | No | No | 3.8 | 1 | 1 | N/A | 26.84 | No | XXXX |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | xxxxx3892 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 128.25 | 0.78 | 0.78 | 4232.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25393.08 |  | XXXX |  | 3300 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 38.07 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX |
| XXXX | xxxxx4240 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3100 | Appraisal - 1007 |  | N/A |  |  | 3100 | Appraisal - 1007 | No | 116.08 | 0.861 | 0.861 | 3598.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 7880 |  | XXXX |  | 3100 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 33.96 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | N/A | 0 | N/A | XXXX |
| XXXX | xxxxx4121 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 8000 | Appraisal - 1007 |  | N/A |  |  | 8000 | Appraisal - 1007 | No | 96.92 | 1.032 | 1.032 | 7753.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13000 |  | XXXX |  | 8000 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 84.16 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX |

---

## Exhibit 99.12

**Exhibit 99.12**

![](ex99-12_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

**(1)** **Type of assets that were reviewed.** 

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by PRPM 2025-NQM3, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted during November 2024 through June 2025 on mortgage loans with origination dates from October 2017 through April 2025 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (154 loans), Business Purpose Scope (69 loans) and Business Purpose with Limited Compliance Scope (39 loans). The loans reviewed using the Credit and Compliance Scope, Business Purpose Scope and Business Purpose with Limited Compliance Scope are together referred to as the mortgage loans.

**(2)** **Sample size of the assets reviewed.** 

The initial population consisted of 262 mortgage loans.

The final population of the Review covered 262 mortgage loans totaling an aggregate original principal balance of approximately $126.718 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

**(3)** **Determination of the sample size and computation.** 

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E.

**(4)** **Quality or integrity of information or data about the assets: review and methodology.** 

AMC compared data fields on the tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. For the purposes of this disclosure, AMC's review only included fields that were included in a related data integrity review being performed by another vendor and did not include all fields that may have been available for data comparison at the time of original acquisition. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Neg Am |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original CLTV |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original HLTV |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original Interest Rate Period |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Interest Rate Change Frequency | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Life Min | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;Interest Rate Periodic Floor | &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Investor: Qualifying Total Debt<br> Ratio | &nbsp;&nbsp;Prepayment Penalty Period<br> (months) |
| &nbsp;&nbsp;Borrower Self-Employed? | &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Loan to Cost (LTC) | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower Full Name | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Subject Debt Service Coverage<br> Ratio |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Zip |

---

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![](ex99-12_001.jpg)

Additionally, AMC verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio ("DTI(s)") and/or loan-to-value ratios ("LTV(s)") were used in the assessment of conformity guidelines.

(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.

AMC reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file was also performed.

**Credit Application:** For the Credit Application, AMC verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history.

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) Bank Statements.

**Asset Review:** AMC assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, AMC completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

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![](ex99-12_001.jpg)

**Occupancy Review:** AMC confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, AMC confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** AMC reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, AMC conditioned the mortgage loan for the missing fraud report product.

If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** AMC's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) and ensured that the title conformed with the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

**<u>BUSINESS PURPOSE SCOPE</u>**

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. For this review, procedures followed included:

▪ Reviewing the
provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other
Loan Approval documentation.

▪ Examining appraisal
reports, BPO's, and appraisal reviews to determine if the property type is consistent with underwritten property type and usage
(such as evidence/an indication of either owner or tenant occupancy) and comparing this information against other relevant information
contained within applicable sections of the loan file to evaluate consistency, accuracy, and adheres to the credit policy.

▪ Reviewing environmental
reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements.

▪ Reviewing credit
reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements,
and consistency with the Final Loan Approval worksheet.

▪ Reviewing HUD-1's,
Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms
and amounts/LTV/LTC as well as adherence to credit policy requirements.

▪ Reviewing LOI/LOE(s)
for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with
the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s).

▪ Reviewing Final
Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and
that the listed residence for the Individual(s) is an address other than the subject property.

▪ Confirming,
if applicable, business license(s) and P&L's are present, valid, and adheres to credit policy requirements.

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![](ex99-12_001.jpg)

▪ Confirming,
if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements.

▪ Reviewing final
loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency
with all other documentation contained in the review file.

▪ Reviewing the
Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of a completed fields, and verifying
that the hand written Primary Residence address differs from the subject property address, and is signed/dated as required.

▪ Verifying presence
of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified
within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all
required signatures.

▪ Comparing the
Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner
Occupancy and Indemnity.

▪ Documenting
any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue.

▪ Reviewing and
calculating that the DSCR and/or Property DTI conforms with applicable guidelines.

Documents reviewed include the following items (\* = where applicable):

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Appraisal Report | &nbsp;&nbsp;Deed of Trust / Mortgage | &nbsp;&nbsp;Non-Owner-Occupancy & Business<br> – Purpose Letter of Intent (LOI) /<br> Letter of Explanation (LOE) |
| &nbsp;&nbsp;Appraisal Review documentation\* | &nbsp;&nbsp;Environmental reports\* | &nbsp;&nbsp;Note |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Evidence of Hazard / Liability / Flood Insurance coverage | &nbsp;&nbsp;Purchase agreement(s)\* |
| &nbsp;&nbsp;Broker Price Opinion and market rent addendum\* | &nbsp;&nbsp;Existing Leases\* | &nbsp;&nbsp;Rent Roll\* |
| &nbsp;&nbsp;Business License\* | &nbsp;&nbsp;Final Form 1003 / Loan Application(s) | &nbsp;&nbsp;Second mortgage documentation\* |
| &nbsp;&nbsp;Business P&L's\* | &nbsp;&nbsp;Final HUD-1\* / Loan Estimate (LE)\* / Closing Disclosure (CD)\* | &nbsp;&nbsp;Title Search Documentation |
| &nbsp;&nbsp;Certification(s) of Business purpose of loan | &nbsp;&nbsp;Flood certificates | &nbsp;&nbsp;Verification of down payment funds/ funds to close / reserve funds\* |
| &nbsp;&nbsp;Certification(s) of Non-Owner Occupancy and Indemnity\* | &nbsp;&nbsp;Guaranty Agreement(s)\* | &nbsp;&nbsp;Verification of Rent / Mortgage (VOR/VOM) payment history\* |
| &nbsp;&nbsp;Credit Report(s) | &nbsp;&nbsp;Identification / proof of residency status |  |

---

**DATA COLLECTION**

AMC will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by AMC. All material discrepancies will be noted.

&nbsp;&nbsp;&nbsp;&nbsp;**(6)** **Value of collateral securing the assets: review and methodology.** 

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

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![](ex99-12_001.jpg)

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to the appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC or if it was not directly accessible that another valuation product that was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception.

(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.

Please be advised that AMC did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by AMC are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which AMC is relying in reaching such findings.

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by AMC.

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AMC reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

&nbsp;&nbsp;&nbsp;&nbsp;**(I)** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23, §1026.15):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure
 to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure
 to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Home Equity Plans Disclosures (§§1026.6, 40) *as applicable*</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure
 to provide the applicable home equity initial and account opening disclosures

ii) failure to provide the applicable home equity initial and account opening disclosures in a timely manner

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Tolerances (§§1026.18, 22 23, and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate
 Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to
 re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

iii) inaccurate Total of Payments outside of applicable tolerance by comparing disclosed Total of Payments to re-calculated Total of Payments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>High-cost Mortgage (§§1026.31, 32 and 34):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points
 and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty threshold test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR
 threshold test; and

ii) compliance with the escrow account and appraisal requirements as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 relevant documentation to determine if compensation to a Loan Originator was based on a term
 of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note:
 Where available, AMC reviewed the relevant documents in the mortgage loan file and, as necessary,
 attempted to obtain the mortgage loan originator compensation agreement and/or governing
 policies and procedures of the mortgage loan originator. In the absence of the mortgage loan
 originator compensation agreement and/or governing policies and procedures, AMC's review
 was limited to formal general statements of entity compliance provided by the mortgage loan
 originator, if any. These statements, for example, were in the form of a letter signed by
 the seller correspondent/mortgage loan originator or representations in the mortgage loan
 purchase agreement between the Client and seller correspondent;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage
 loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the terms of the mortgage loan require arbitration or any other non-judicial procedure
 to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(II)** **Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 changes disclosed on the last GFE provided to the borrower(s) to determine that such changes
 were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm
 that the list of homeownership counselling organizations was obtained no earlier than 30
 days prior to when the list was provided to the mortgage loan applicant.

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&nbsp;&nbsp;&nbsp;&nbsp;**(III)** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 that each revised LE is accompanied by valid written documentation explaining the reason
 for re-disclosure to allow for fee increases based on a valid change of circumstance and
 was timely provided within 3 business days of issuance;

vi) capture whether a settlement service provider list ("SSPL") was provided (in instances when a consumer is given an opportunity to shop for services). Failure to provide SSPL is not cited separately under SFA compliance review scope, however, absence of SSPL from loan file is treated as not provided and impacts fee tolerance categories as prescribed by regulation.

vii) confirm borrower received LE not later than four (4) business days prior to consummation; and

viii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify
 tolerance violations based on the charges disclosed on the initial and interim LE's,
 initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan
 file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;**(IV)** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the
 Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

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AMC reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). AMC determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, AMC notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, AMC notes if an originator mortgage loan designation was not provided.

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) depending on the application date, defined in accordance with 1026.2(a)(3)(ii) and the loan designation provided on the subject loan, either:

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| | |
|:---|:---|
| 1.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), prior to 3/1/2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, |

---

---

| | |
|:---|:---|
| 2.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), on or after 3/1/2021, but before 10/1/2022, submitted with a loan designation of Safe Harbor QM, Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q), whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, or |

---

---

| | |
|:---|:---|
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", whether the APR exceeds the average prime offer rate by 2.25 or more percentage points, (additional thresholds applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes loan amounts), and whether the loan does not meet the credit guidelines without a documented exception and compensating factors. |

---

For the mortgage loans determined to be Safe Harbor QM (APOR), the AMC report will indicate (i) "Yes" with respect to any mortgage loan for which the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on such mortgage loans, (ii) "No" with respect to any mortgage loan for which the lender provided a VSH indicator of "No" and

(iii) "Not Stated" with respect to any mortgage loan for which the lender did not provide a VSH indicator.

\* Note, for mortgage loans in which the lender provided the VSH indicator, AMC captured the VSH indicator in the AMC report but did not verify the VSH indicator as provided by the related lender.

In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation are reflected in the reports.

This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, AMC reviews the Automated Underwriting System output within the file to confirm agency eligibility.

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For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, AMC then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, AMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

*<u>General Ability to Repay</u>*

AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

AMC reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). AMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. AMC's review is based on information contained in the mortgage loan file at the time it is provided to AMC to review, and only reflects information as of that point in time.

&nbsp;&nbsp;&nbsp;&nbsp;**(V)** **The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing
 and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;**

**(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

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**(X) Recording Review**

AMC noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time AMC reviewed the mortgage loans and thus have not yet been recorded. AMC verified that documents in the mortgage loan file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, AMC will analyze and capture data from the source documents identified in the Document Review below, as applicable.

(XI) FIRREA Review

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, AMC accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

(XII) Document Review

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting
summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit
report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income
and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset
documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales
contract;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard
and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy
of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary
Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed
circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right
of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed
of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible
Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination
Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA
disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice
of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD
from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain
other disclosures related to the enumerated tests set forth herein.

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![](ex99-12_001.jpg)

**<u>BUSINESS SCOPE LIMITED COMPLIANCE REVIEW</u>**

Includes Business Review Scope with additional limited compliance review below.

**State Compliance Review applicable to non-owner occupied loans:**

SitusAMC will review each mortgage loan file to determine coverage, and if covered, verify compliance with the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) High
 Cost testing in Chicago Illinois and Cook County Illinois;

&nbsp;&nbsp;&nbsp;&nbsp;b) Higher
 Priced testing in Minnesota;

&nbsp;&nbsp;&nbsp;&nbsp;c) Other
 applicable state testing in Maryland, Minnesota, New Jersey, West Virginia, Wyoming, and
 Vermont, Virginia and

&nbsp;&nbsp;&nbsp;&nbsp;d) State
 specific prepayment penalty and late charge testing applicable to non-owner occupied loans.

**(8)** **Other: review and methodology.** 

The final review results reflected in the Overall Review Results Summary herein may include additional exceptions identified after AMC's initial review was completed where loan level issues were identified by external parties as a result of separate, distinct quality control evaluation of the loan files. In such cases, any additional exceptions cited by any such quality control evaluation would either be reflected (i) as an open exception or (ii) remediated if required documentation and/or curative actions were provided to AMC. The exception totals reflected herein, and corresponding Exception Rating, include exceptions that were so subsequently identified, if any. Please note that only a limited number of loans, if any, reflected in the Review Results Summary were subject to such external quality control evaluations.

**(9)** **Disclaimer.** 

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued.

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

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![](ex99-12_001.jpg)

**SUMMARY OF FINDINGS AND CONCLUSIONS**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSROs listed in the Form ABS Due Diligence-15E.

**OVERALL REVIEW RESULTS SUMMARY**

There were two-hundred sixty-two (262) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable Moody's NRSRO grading criteria one hundred twenty-six (126) loans (48.09%) had an Overall grade of "A" and one hundred thirty-six (136) loans (51.91%) had an Overall grade of "B".

---

| | | |
|:---|:---|:---|
| **Moody's Overall Loan Grades** | **Moody's Overall Loan Grades** | **Moody's Overall Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 126 | 48.09% |
| B | 136 | 51.91% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **262** | **100.00%** |

---

**CREDIT RESULTS SUMMARY**

One hundred ninety-five (195) loans (74.43%) reviewed received an "A" Credit grade and sixty-seven (67) loans (25.57%) received a "B" Credit grade. No loans had a Credit grade lower than "B".

---

| | | |
|:---|:---|:---|
| **Moody's Credit Loan Grades** | **Moody's Credit Loan Grades** | **Moody's Credit Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 195 | 74.43% |
| B | 67 | 25.57% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **262** | **100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Sixty-nine (69) loans were reviewed under the Business Purpose scope and did not contain a compliance review. After all documents were presented, under the applicable Moody's NRSRO grading criteria one hundred seven (107) loans (55.44%) had a Compliance grade of "A" and eighty-six (86) loans (44.56%) had a Compliance grade of "B.

---

| | | |
|:---|:---|:---|
| **Moody's Compliance Loan Grades** | **Moody's Compliance Loan Grades** | **Moody's Compliance Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 107 | 55.44% |
| B | 86 | 44.56% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **193** | **100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

There were two-hundred sixty-two (262) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable Moody's NRSRO grading criteria two hundred sixty (260) loans (99.24%) had a Property grade of "A" and two (2) loans (0.76%) had a Property grade of "B".

---

| | | |
|:---|:---|:---|
| **Moody's Property Loan Grades** | **Moody's Property Loan Grades** | **Moody's Property Loan Grades** |
| **Final Loan Grade** | **# of Loans** | **% of Loans** |
| A | 260 | 99.24% |
| B | 2 | 0.76% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **262** | **100.00%** |

---

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![](ex99-12_001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two-hundred sixty-two (262) Loans reviewed, two hundred fifteen (215) unique Loans had seven hundred twenty-eight (728) different tape discrepancies across fifty-seven (57) data fields (some Loans had more than one data delta). The most variances were found on PITIA Reserves Months, Borrower Last Name and Product Description.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; <br> **Field Label** | **Loans With<br> Discrepancy** | **Total Times <br> Compared** | **%**<br> **Variance** | **# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | 1 | 95 | 1.05% | 262 |
| &nbsp;&nbsp;Amortization Term | 5 | 104 | 4.81% | 262 |
| &nbsp;&nbsp;Amortization Type | 10 | 110 | 9.09% | 262 |
| &nbsp;&nbsp;Appraisal As-Is Value | 3 | 4 | 75.00% | 262 |
| &nbsp;&nbsp;Appraisal Date | 2 | 2 | 100.00% | 262 |
| &nbsp;&nbsp;Appraisal Effective Date | 2 | 3 | 66.67% | 262 |
| &nbsp;&nbsp;Appraised Value | 1 | 65 | 1.54% | 262 |
| &nbsp;&nbsp;Balloon Flag | 0 | 97 | 0.00% | 262 |
| &nbsp;&nbsp;Blanket Mortgage? | 2 | 3 | 66.67% | 262 |
| &nbsp;&nbsp;Borrower Citizenship | 1 | 5 | 20.00% | 262 |
| &nbsp;&nbsp;Borrower EIN | 1 | 2 | 50.00% | 262 |
| &nbsp;&nbsp;Borrower First Name | 20 | 126 | 15.87% | 262 |
| &nbsp;&nbsp;Borrower FTHB | 2 | 2 | 100.00% | 262 |
| &nbsp;&nbsp;Borrower Full Name | 9 | 16 | 56.25% | 262 |
| &nbsp;&nbsp;Borrower Last Name | 64 | 191 | 33.51% | 262 |
| &nbsp;&nbsp;Borrower Self-Employed? | 0 | 3 | 0.00% | 262 |
| &nbsp;&nbsp;Borrower SSN | 19 | 90 | 21.11% | 262 |
| &nbsp;&nbsp;Cash From Borrower | 1 | 1 | 100.00% | 262 |
| &nbsp;&nbsp;Cash To Borrower | 2 | 2 | 100.00% | 262 |
| &nbsp;&nbsp;City | 4 | 259 | 1.54% | 262 |
| &nbsp;&nbsp;Coborrower Citizenship | 1 | 1 | 100.00% | 262 |
| &nbsp;&nbsp;Coborrower First Name | 0 | 6 | 0.00% | 262 |
| &nbsp;&nbsp;Coborrower Full Name | 1 | 1 | 100.00% | 262 |
| &nbsp;&nbsp;Coborrower Last Name | 1 | 5 | 20.00% | 262 |
| &nbsp;&nbsp;Contract Sales Price | 14 | 66 | 21.21% | 262 |
| &nbsp;&nbsp;Doc Type | 24 | 64 | 37.50% | 262 |
| &nbsp;&nbsp;Escrow Account | 40 | 86 | 46.51% | 262 |
| &nbsp;&nbsp;First Payment Date | 8 | 103 | 7.77% | 262 |
| &nbsp;&nbsp;Has FTHB | 5 | 83 | 6.02% | 262 |
| &nbsp;&nbsp;Index Type | 0 | 6 | 0.00% | 262 |
| &nbsp;&nbsp;Interest Only | 2 | 12 | 16.67% | 262 |
| &nbsp;&nbsp;Interest Only Period | 0 | 2 | 0.00% | 262 |
| &nbsp;&nbsp;Interest Rate Change Frequency | 0 | 1 | 0.00% | 262 |
| &nbsp;&nbsp;Interest Rate Initial Cap | 0 | 1 | 0.00% | 262 |
| &nbsp;&nbsp;Interest Rate Life Cap | 0 | 1 | 0.00% | 262 |
| &nbsp;&nbsp;Interest Rate Life Floor | 1 | 2 | 50.00% | 262 |
| &nbsp;&nbsp;Interest Rate Life Min | 0 | 6 | 0.00% | 262 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | 0 | 7 | 0.00% | 262 |
| &nbsp;&nbsp;Interest Rate Periodic Floor | 0 | 6 | 0.00% | 262 |

---

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![](ex99-12_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | 38 | 123 | 30.89% | 262 |
| &nbsp;&nbsp;Last Property Transfer Date | 2 | 3 | 66.67% | 262 |
| &nbsp;&nbsp;Lender | 33 | 83 | 39.76% | 262 |
| &nbsp;&nbsp;Lien Position | 0 | 89 | 0.00% | 262 |
| &nbsp;&nbsp;Loan Property Count | 1 | 3 | 33.33% | 262 |
| &nbsp;&nbsp;Loan to Cost (LTC) | 2 | 3 | 66.67% | 262 |
| &nbsp;&nbsp;LTV Valuation Value | 1 | 61 | 1.64% | 262 |
| &nbsp;&nbsp;Margin | 19 | 31 | 61.29% | 262 |
| &nbsp;&nbsp;Maturity Date | 4 | 120 | 3.33% | 262 |
| &nbsp;&nbsp;MERS Min Number | 0 | 1 | 0.00% | 262 |
| &nbsp;&nbsp;Mortgage Type | 0 | 1 | 0.00% | 262 |
| &nbsp;&nbsp;Neg Am | 2 | 3 | 66.67% | 262 |
| &nbsp;&nbsp;Note Date | 17 | 94 | 18.09% | 262 |
| &nbsp;&nbsp;Occupancy | 17 | 179 | 9.50% | 262 |
| &nbsp;&nbsp;Original CLTV | 11 | 129 | 8.53% | 262 |
| &nbsp;&nbsp;Original HLTV | 2 | 3 | 66.67% | 262 |
| &nbsp;&nbsp;Original Interest Rate | 33 | 238 | 13.87% | 262 |
| &nbsp;&nbsp;Original Interest Rate Period | 0 | 1 | 0.00% | 262 |
| &nbsp;&nbsp;Original Loan Amount | 11 | 224 | 4.91% | 262 |
| &nbsp;&nbsp;Original LTV | 12 | 203 | 5.91% | 262 |
| &nbsp;&nbsp;Original P&I | 4 | 79 | 5.06% | 262 |
| &nbsp;&nbsp;Original Term | 0 | 59 | 0.00% | 262 |
| &nbsp;&nbsp;Originator Loan Designation | 1 | 12 | 8.33% | 262 |
| &nbsp;&nbsp;PITIA Reserves Months | 89 | 99 | 89.90% | 262 |
| &nbsp;&nbsp;Prepayment Penalty | 0 | 46 | 0.00% | 262 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | 48 | 105 | 45.71% | 262 |
| &nbsp;&nbsp;Product Description | 56 | 86 | 65.12% | 262 |
| &nbsp;&nbsp;Property Type | 37 | 227 | 16.30% | 262 |
| &nbsp;&nbsp;Purpose | 4 | 184 | 2.17% | 262 |
| &nbsp;&nbsp;Refi Purpose | 5 | 67 | 7.46% | 262 |
| &nbsp;&nbsp;Representative FICO | 13 | 204 | 6.37% | 262 |
| &nbsp;&nbsp;State | 0 | 259 | 0.00% | 262 |
| &nbsp;&nbsp;Street | 9 | 218 | 4.13% | 262 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | 3 | 26 | 11.54% | 262 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | 1 | 2 | 50.00% | 262 |
| &nbsp;&nbsp;Zip | 7 | 235 | 2.98% | 262 |
| &nbsp;&nbsp;**Total** | **728** | **5139** | **14.17%** | **262** |

---

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![](ex99-12_001.jpg)

**ADDITIONAL LOAN POPULATION SUMMARY (some totals may not add due to rounding)**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;<br> **Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;<br> **% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;239 | &nbsp;&nbsp;91.22% | &nbsp;&nbsp;$112990225.53 | &nbsp;&nbsp;89.17% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;23 | &nbsp;&nbsp;8.78% | &nbsp;&nbsp;$13727725.00 | &nbsp;&nbsp;10.83% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**262** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$126717950.53** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;<br> **Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;<br> **% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;262 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$126717950.53 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**262** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$126717950.53** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;<br> **Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;<br> **% of Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.15% | &nbsp;&nbsp;$458400.00 | &nbsp;&nbsp;0.36% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;$497900.00 | &nbsp;&nbsp;0.39% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;76 | &nbsp;&nbsp;29.01% | &nbsp;&nbsp;$32193892.00 | &nbsp;&nbsp;25.41% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;36 | &nbsp;&nbsp;13.74% | &nbsp;&nbsp;$17069353.00 | &nbsp;&nbsp;13.47% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;121 | &nbsp;&nbsp;46.18% | &nbsp;&nbsp;$64225081.00 | &nbsp;&nbsp;50.68% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;25 | &nbsp;&nbsp;9.54% | &nbsp;&nbsp;$12273324.53 | &nbsp;&nbsp;9.69% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**262** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$126717950.53** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;<br> **Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;<br> **% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;257 | &nbsp;&nbsp;98.09% | &nbsp;&nbsp;$123932000.53 | &nbsp;&nbsp;97.80% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.91% | &nbsp;&nbsp;$2785950.00 | &nbsp;&nbsp;2.20% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**262** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$126717950.53** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;<br> **Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;<br> **% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;143 | &nbsp;&nbsp;54.58% | &nbsp;&nbsp;$62221729.53 | &nbsp;&nbsp;49.10% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;14 | &nbsp;&nbsp;5.34% | &nbsp;&nbsp;$6221433.00 | &nbsp;&nbsp;4.91% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.29% | &nbsp;&nbsp;$2408750.00 | &nbsp;&nbsp;1.90% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;63 | &nbsp;&nbsp;24.05% | &nbsp;&nbsp;$41157292.00 | &nbsp;&nbsp;32.48% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;$75000.00 | &nbsp;&nbsp;0.06% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;9 | &nbsp;&nbsp;3.44% | &nbsp;&nbsp;$3272650.00 | &nbsp;&nbsp;2.58% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;15 | &nbsp;&nbsp;5.73% | &nbsp;&nbsp;$5961661.00 | &nbsp;&nbsp;4.70% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.29% | &nbsp;&nbsp;$2079250.00 | &nbsp;&nbsp;1.64% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;$1400000.00 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.15% | &nbsp;&nbsp;$1400185.00 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.38% | &nbsp;&nbsp;$520000.00 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**262** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$126717950.53** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;<br> **Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;<br> **% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;128 | &nbsp;&nbsp;48.85% | &nbsp;&nbsp;$80554095.00 | &nbsp;&nbsp;63.57% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;128 | &nbsp;&nbsp;48.85% | &nbsp;&nbsp;$43062206.53 | &nbsp;&nbsp;33.98% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.29% | &nbsp;&nbsp;$3101649.00 | &nbsp;&nbsp;2.45% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**262** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$126717950.53** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

## Exhibit 99.12

**Exhibit 99.12 Schedule 1**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-12sch1_001.jpg) | ![](ex99-12sch1_001.jpg) | ![](ex99-12sch1_001.jpg) |  |  |  |  |  |  |  |
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **Run Date - 7/2/2025 6:54:43 PM** | **Run Date - 7/2/2025 6:54:43 PM** | **Run Date - 7/2/2025 6:54:43 PM** |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 222433629 | [redacted] | [redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 222433629 | [redacted] | [redacted] |  |  | Occupancy | Primary | Second Home | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 222433711 | [redacted] | [redacted] |  |  | Appraisal Date | [redacted] | [redacted] | Verified | Tape Value reflects Appraisal Effective Date |
| 222433711 | [redacted] | [redacted] |  |  | Original CLTV | 93.02 | 84.96732 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 222433711 | [redacted] | [redacted] |  |  | Original LTV | 93.02 | 84.96732 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 222433716 | [redacted] | [redacted] |  |  | Appraisal Date | [redacted] | [redacted] | Verified | Tape Value reflects Appraisal Effective Date |
| 222433716 | [redacted] | [redacted] |  |  | Original CLTV | 82.13 | 68.82609 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 222433716 | [redacted] | [redacted] |  |  | Original LTV | 82.13 | 68.82609 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 222523867 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 222523867 | [redacted] | [redacted] |  |  | Original Interest Rate | 9.13 | 9.125 | Verified | Field Value reflects the Note value |
| 222523868 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 222523869 | [redacted] | [redacted] |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 222523869 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 222523870 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 222523870 | [redacted] | [redacted] |  |  | Original Interest Rate | 10.13 | 10.125 | Verified | Field Value reflects the Note value |
| 222523871 | [redacted] | [redacted] |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 222523871 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 222523872 | [redacted] | [redacted] |  |  | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 222523872 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 222523872 | [redacted] | [redacted] |  |  | Original Interest Rate | 10.13 | 10.125 | Verified | Field Value reflects the Note value |
| 222523874 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 222523874 | [redacted] | [redacted] |  |  | Original Interest Rate | 10.13 | 10.125 | Verified | Field Value reflects the Note value |
| 222734951 | [redacted] | [redacted] |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 222734951 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 222734951 | [redacted] | [redacted] |  |  | Original Interest Rate | 10.38 | 10.375 | Verified | Field Value reflects the Note value |
| 222734952 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 222734952 | [redacted] | [redacted] |  |  | Original Interest Rate | 10.13 | 10.125 | Verified | Field Value reflects the Note value |
| 222734952 | [redacted] | [redacted] |  |  | Representative FICO | 753 | 801 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 222734952 | [redacted] | [redacted] |  |  | Investor: Qualifying Total Debt Ratio | 31.76 | 42.52864 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 222804413 | [redacted] | [redacted] |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223002906 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223002906 | [redacted] | [redacted] |  |  | Original Interest Rate | 6.78 | 6.775 | Verified | Field Value reflects the Note value |
| 223002906 | [redacted] | [redacted] |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223002907 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223002907 | [redacted] | [redacted] |  |  | Original Interest Rate | 7.8 | 7.799 | Verified | Field Value reflects the Note value |
| 223002907 | [redacted] | [redacted] |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223002908 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223002908 | [redacted] | [redacted] |  |  | Original Interest Rate | 7.57 | 7.566 | Verified | Field Value reflects the Note value |
| 223002908 | [redacted] | [redacted] |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223002909 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223002909 | [redacted] | [redacted] |  |  | Original Interest Rate | 7.05 | 7.045 | Verified | Field Value reflects the Note value |
| 223002909 | [redacted] | [redacted] |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223002910 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223002910 | [redacted] | [redacted] |  |  | Original Interest Rate | 6.28 | 6.275 | Verified | Field Value reflects the Note value |
| 223002910 | [redacted] | [redacted] |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223002912 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223002912 | [redacted] | [redacted] |  |  | Original Interest Rate | 6.36 | 6.363 | Verified | Field Value reflects the Note value |
| 223002912 | [redacted] | [redacted] |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| 223002912 | [redacted] | [redacted] |  |  | Coborrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223002913 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223002913 | [redacted] | [redacted] |  |  | Original Interest Rate | 7.24 | 7.237 | Verified | Field Value reflects the Note value |
| 223002913 | [redacted] | [redacted] |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223015773 | [redacted] | [redacted] |  |  | Original Interest Rate | 10.38 | 10.375 | Verified | Field Value reflects the Note value |
| 223015773 | [redacted] | [redacted] |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223015776 | [redacted] | [redacted] |  |  | Original Loan Amount | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 223015776 | [redacted] | [redacted] |  |  | Original Interest Rate | 10.38 | 10.375 | Verified | Field Value reflects the Note value |
| 223015778 | [redacted] | [redacted] |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 223015778 | [redacted] | [redacted] |  |  | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223015778 | [redacted] | [redacted] |  |  | Original Interest Rate | 10.13 | 10.125 | Verified | Field Value reflects the Note value |
| 223054156 | [redacted] | [redacted] |  |  | Original Interest Rate | 10.63 | 10.625 | Verified | Field Value reflects the Note value |
| 223129678 | [redacted] | [redacted] |  |  | Original Loan Amount | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 223129680 | [redacted] | [redacted] |  |  | Original Loan Amount | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 223129680 | [redacted] | [redacted] |  |  | Borrower Full Name | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223129681 | [redacted] | [redacted] |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223129681 | [redacted] | [redacted] |  |  | Original Loan Amount | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 223184961 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223260471 | [redacted] | [redacted] |  |  | Original LTV | 67.72 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223260479 | [redacted] | [redacted] |  |  | Representative FICO | 777 | 766 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223260481 | [redacted] | [redacted] |  |  | Original LTV | 62.3 | 64.01099 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223260482 | [redacted] | [redacted] |  |  | Original LTV | 63.39 | 65.95745 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223260484 | [redacted] | [redacted] |  |  | Original LTV | 71.54 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223260497 | [redacted] | [redacted] |  |  | Original LTV | 70.43 | 72 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223260500 | [redacted] | [redacted] |  |  | Original LTV | 71.57 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223260529 | [redacted] | [redacted] |  |  | Original LTV | 78.9 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223260531 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223260533 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223260533 | [redacted] | [redacted] |  |  | Representative FICO | 735 | 724 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223260536 | [redacted] | [redacted] |  |  | Original LTV | 54.25 | 57.3 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223260546 | [redacted] | [redacted] |  |  | Representative FICO | 767 | 757 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223270723 | [redacted] | [redacted] |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223270723 | [redacted] | [redacted] |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223270723 | [redacted] | [redacted] |  |  | Original Interest Rate |  | 8.875 | Verified | Field Value reflects the Note value |
| 223270723 | [redacted] | [redacted] |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 223270723 | [redacted] | [redacted] |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223270730 | [redacted] | [redacted] |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223270730 | [redacted] | [redacted] |  |  | Amortization Term | [redacted] | [redacted] | Verified | Field Value reflects Amortization Term per Note |
| 223270730 | [redacted] | [redacted] |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223303572 | [redacted] | [redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223303574 | [redacted] | [redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223303574 | [redacted] | [redacted] |  |  | Investor: Qualifying Total Debt Ratio | 34.2 | 36.56635 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223303575 | [redacted] | [redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223303577 | [redacted] | [redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223303577 | [redacted] | [redacted] |  |  | Original CLTV |  | 100 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223303578 | [redacted] | [redacted] |  |  | Original Loan Amount | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 223303578 | [redacted] | [redacted] |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 223303578 | [redacted] | [redacted] |  |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223303578 | [redacted] | [redacted] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223303578 | [redacted] | [redacted] |  |  | Original CLTV |  | 90 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223303578 | [redacted] | [redacted] |  |  | Investor: Qualifying Total Debt Ratio | 36.406 | 40.14829 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223303579 | [redacted] | [redacted] |  |  | Original Loan Amount | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 223303579 | [redacted] | [redacted] |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 223303579 | [redacted] | [redacted] |  |  | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| 223303579 | [redacted] | [redacted] |  |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223303579 | [redacted] | [redacted] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223303579 | [redacted] | [redacted] |  |  | Original CLTV |  | 85 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223303580 | [redacted] | [redacted] |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 223303580 | [redacted] | [redacted] |  |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223303580 | [redacted] | [redacted] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223303580 | [redacted] | [redacted] |  |  | Original CLTV |  | 80 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223303581 | [redacted] | [redacted] |  |  | Original Loan Amount | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 223303581 | [redacted] | [redacted] |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 223303581 | [redacted] | [redacted] |  |  | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| 223303581 | [redacted] | [redacted] |  |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 223303581 | [redacted] | [redacted] |  |  | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223303581 | [redacted] | [redacted] |  |  | Original CLTV |  | 85 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223303584 | [redacted] | [redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223303584 | [redacted] | [redacted] |  |  | Original CLTV |  | 100 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223303585 | [redacted] | [redacted] |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223303585 | [redacted] | [redacted] |  |  | Coborrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 223303585 | [redacted] | [redacted] |  |  | Original CLTV |  | 100 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223303588 | [redacted] | [redacted] |  |  | Investor: Qualifying Total Debt Ratio | 36.09 | 38.77875 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223305538 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223305538 | [redacted] | [redacted] |  |  | Original Interest Rate | 9.88 | 9.875 | Verified | Field Value reflects the Note value |
| 223305539 | [redacted] | [redacted] |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223305539 | [redacted] | [redacted] |  |  | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 223305539 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223305540 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223305540 | [redacted] | [redacted] |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223305542 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223305542 | [redacted] | [redacted] |  |  | Original Loan Amount | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 223305542 | [redacted] | [redacted] |  |  | Original Interest Rate | 10.68 | 10.675 | Verified | Field Value reflects the Note value |
| 223305543 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223305543 | [redacted] | [redacted] |  |  | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 223305544 | [redacted] | [redacted] |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223305544 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223305544 | [redacted] | [redacted] |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223305545 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223305545 | [redacted] | [redacted] |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223305545 | [redacted] | [redacted] |  |  | Original Interest Rate | 9.88 | 9.875 | Verified | Field Value reflects the Note value |
| 223334125 | [redacted] | [redacted] |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223334125 | [redacted] | [redacted] |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223334125 | [redacted] | [redacted] |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 223334125 | [redacted] | [redacted] |  |  | Amortization Term | [redacted] | [redacted] | Verified | Field Value reflects Amortization Term per Note |
| 223334125 | [redacted] | [redacted] |  |  | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223334125 | [redacted] | [redacted] |  |  | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| 223334125 | [redacted] | [redacted] |  |  | Interest Only |  | 0 | Verified | Unable to verify due to missing information |
| 223334125 | [redacted] | [redacted] |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223334125 | [redacted] | [redacted] |  |  | Appraisal Effective Date |  | XX | Verified | Tape Value reflects Appraisal Date |
| 223334125 | [redacted] | [redacted] |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
| 223334125 | [redacted] | [redacted] |  |  | Neg Am |  | 0 | Verified | Unable to verify due to missing information |
| 223334125 | [redacted] | [redacted] |  |  | Borrower FTHB | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223334125 | [redacted] | [redacted] |  |  | Cash From Borrower |  | 7318.81 | Verified | Field value reflects source document |
| 223334125 | [redacted] | [redacted] |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
| 223334125 | [redacted] | [redacted] |  |  | PITIA Reserves Months | 6.00 | 7.67 | Verified | Field value reflects source document |
| 223334125 | [redacted] | [redacted] |  |  | Last Property Transfer Date |  | 2022-06-17 | Verified | Field value reflects source document |
| 223334125 | [redacted] | [redacted] |  |  | Loan to Cost (LTC) |  | 279.16667 | Verified | Field value reflects source document |
| 223334125 | [redacted] | [redacted] |  |  | Appraisal As-Is Value | XX |  | Verified | Field value reflects source document |
| 223334125 | [redacted] | [redacted] |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| 223444780 | [redacted] | [redacted] |  |  | Representative FICO | 743 | 768 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223444784 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223444787 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223444787 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223444788 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223444788 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223444789 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223444789 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223444790 | [redacted] | [redacted] |  |  | Representative FICO | 680 |  | Verified | Unable to verify due to missing information |
| 223444790 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223444790 | [redacted] | [redacted] |  |  | Subject Debt Service Coverage Ratio | 0.96 | 0.93 | Verified | DSCR: Market rent $2675 / PITIA $2861.64 = DSCR 93% |
| 223444791 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223444791 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223444792 | [redacted] | [redacted] |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223444792 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223444792 | [redacted] | [redacted] |  |  | Subject Debt Service Coverage Ratio | 0.78 | 0.79 | Verified | Field value reflects source document |
| 223444793 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223444793 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223444795 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223444796 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223444796 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note rider |
| 223444797 | [redacted] | [redacted] |  |  | Representative FICO | 680 |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223444797 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223444798 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223444799 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223444799 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223444801 | [redacted] | [redacted] |  |  | Representative FICO | 680 |  | Verified | It is Foreign National, so Credit Report Not Required. |
| 223444805 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223444806 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223444807 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223444807 | [redacted] | [redacted] |  |  | Representative FICO | 680 |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223444808 | [redacted] | [redacted] |  |  | Representative FICO | 680 |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223444808 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223444809 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223444809 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223505818 | [redacted] | [redacted] |  |  | Appraised Value | [redacted] | [redacted] | Verified | Field Value captured from Valuation model in file |
| 223505818 | [redacted] | [redacted] |  |  | Cash To Borrower | 59470.26 | 59447.38 | Verified | Field value reflects source document |
| 223505818 | [redacted] | [redacted] |  |  | Product Description | Investor Connect | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| 223505818 | [redacted] | [redacted] |  |  | PITIA Reserves Months | 6.00 | 33.91 | Verified | Field value reflects source document |
| 223505819 | [redacted] | [redacted] |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223505819 | [redacted] | [redacted] |  |  | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 223505819 | [redacted] | [redacted] |  |  | Amortization Term | [redacted] | [redacted] | Verified | Field Value reflects Amortization Term per Note |
| 223505819 | [redacted] | [redacted] |  |  | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223505819 | [redacted] | [redacted] |  |  | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| 223505819 | [redacted] | [redacted] |  |  | Property Type |  | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223505819 | [redacted] | [redacted] |  |  | Interest Only |  | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| 223505819 | [redacted] | [redacted] |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223505819 | [redacted] | [redacted] |  |  | Cash To Borrower | 167025.92 | 154077.69 | Verified | Field value reflects source document |
| 223505819 | [redacted] | [redacted] |  |  | Appraisal Effective Date |  | XX | Verified | Tape Value reflects Appraisal Date |
| 223505819 | [redacted] | [redacted] |  |  | Product Description | Investor Connect | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| 223505819 | [redacted] | [redacted] |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
| 223505819 | [redacted] | [redacted] |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
| 223505819 | [redacted] | [redacted] |  |  | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223505819 | [redacted] | [redacted] |  |  | PITIA Reserves Months | 6.00 | 99.70 | Verified | Field value reflects source document |
| 223505819 | [redacted] | [redacted] |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
| 223505819 | [redacted] | [redacted] |  |  | Coborrower Citizenship | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223505819 | [redacted] | [redacted] |  |  | Universal Loan Identifier (ULI) | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223505819 | [redacted] | [redacted] |  |  | Last Property Transfer Date |  | 2007-12-10 | Verified | Field value reflects source document |
| 223505819 | [redacted] | [redacted] |  |  | Loan to Cost (LTC) |  | 514.28571 | Verified | Field value reflects source document |
| 223505819 | [redacted] | [redacted] |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
| 223505819 | [redacted] | [redacted] |  |  | Appraisal As-Is Value | XX |  | Verified | Field value reflects source document |
| 223505819 | [redacted] | [redacted] |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
| 223505819 | [redacted] | [redacted] |  |  | Borrower EIN | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223505821 | [redacted] | [redacted] |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223505821 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | Fixed Rate |
| 223505821 | [redacted] | [redacted] |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| 223505822 | [redacted] | [redacted] |  |  | Property Type | Single Family Detached | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223505822 | [redacted] | [redacted] |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223505822 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | Fixed Rate |
| 223505823 | [redacted] | [redacted] |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Approval/AUS |
| 223505823 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223505823 | [redacted] | [redacted] |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223505824 | [redacted] | [redacted] |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223505824 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223505825 | [redacted] | [redacted] |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223505825 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223505825 | [redacted] | [redacted] |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Loan is cash-out refinance. |
| 223505826 | [redacted] | [redacted] |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223505827 | [redacted] | [redacted] |  |  | Property Type | Single Family Attached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223505827 | [redacted] | [redacted] |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223505827 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223505828 | [redacted] | [redacted] |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Approval/AUS |
| 223505828 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223505828 | [redacted] | [redacted] |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the Approval/AUS |
| 223505829 | [redacted] | [redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value reflects the Approval/AUS in file. |
| 223505829 | [redacted] | [redacted] |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Approval/AUS |
| 223505829 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223505829 | [redacted] | [redacted] |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223505830 | [redacted] | [redacted] |  |  | Property Type | Single Family Detached | Mixed Use | Verified | Per FHLMC Form 71B - Rev/8/77 appraisal form for loan approved under I12 Inve$tor Mixed Use 30 Yr Fixed program |
| 223505830 | [redacted] | [redacted] |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223505830 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | Fixed Rate |
| 223505830 | [redacted] | [redacted] |  |  | # of Units | 4 | 5 | Verified | Per FHLMC Form 71B - Rev/8/77 appraisal form for loan approved under I12 Inve$tor Mixed Use 30 Yr Fixed program |
| 223505830 | [redacted] | [redacted] |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| 223505831 | [redacted] | [redacted] |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Approval/AUS |
| 223505831 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223505832 | [redacted] | [redacted] |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223505832 | [redacted] | [redacted] |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223505832 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223505833 | [redacted] | [redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223505833 | [redacted] | [redacted] |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223505834 | [redacted] | [redacted] |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223505834 | [redacted] | [redacted] |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223505834 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | Fixed Rate |
| 223505834 | [redacted] | [redacted] |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| 223505835 | [redacted] | [redacted] |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223505835 | [redacted] | [redacted] |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223505835 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | Fixed Rate |
| 223505835 | [redacted] | [redacted] |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| 223505836 | [redacted] | [redacted] |  |  | Property Type | Single Family Detached | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223505836 | [redacted] | [redacted] |  |  | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 223505836 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223505837 | [redacted] | [redacted] |  |  | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223505837 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | No field value |
| 223505838 | [redacted] | [redacted] |  |  | Doc Type | Full | Alt | Verified | Field Value reflects documentation located in origination file |
| 223505839 | [redacted] | [redacted] |  |  | Property Type |  | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223505839 | [redacted] | [redacted] |  |  | Doc Type | Full | Alt | Verified | Field Value reflects documentation located in origination file |
| 223505839 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223505840 | [redacted] | [redacted] |  |  | Representative FICO |  | 0 | Verified | Borrower is a foreign National. |
| 223505840 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | Field Value reflects 'Margin' per the Note |
| 223505841 | [redacted] | [redacted] |  |  | Doc Type | Full | Alt | Verified | A10 Select Bank Statements or 1099 |
| 223505841 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | Fixed Rate |
| 223505842 | [redacted] | [redacted] |  |  | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223505842 | [redacted] | [redacted] |  |  | Doc Type | Full | Alt | Verified | A10 Select Bank Statements or 1099 |
| 223505842 | [redacted] | [redacted] |  |  | Margin | 0 |  | Verified | Fixed Rate |
| 223505842 | [redacted] | [redacted] |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| 223652806 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223652806 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223652807 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223652809 | [redacted] | [redacted] |  |  | Prepayment Penalty Period (months) |  | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223685791 | [redacted] | [redacted] |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.04 | Verified | Rent 3450 / (PI 2564.33 + HOI 177.83 + Tax 569.97) = 1.04 |
| 223685792 | [redacted] | [redacted] |  | 1000178965 | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223685792 | [redacted] | [redacted] |  | 1000178965 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223685792 | [redacted] | [redacted] |  | 1000178965 | PITIA Reserves Months | 9.00 | 9.49 | Verified | Field value reflects source document |
| 223685795 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223685795 | [redacted] | [redacted] |  |  | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223685795 | [redacted] | [redacted] |  |  | Original Interest Rate |  | 8 | Verified | Field Value reflects the Note value |
| 223685795 | [redacted] | [redacted] |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 223685795 | [redacted] | [redacted] |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223685796 | [redacted] | [redacted] |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223685796 | [redacted] | [redacted] |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223685797 | [redacted] | [redacted] |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223685797 | [redacted] | [redacted] |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223685798 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223685798 | [redacted] | [redacted] |  |  | Original Interest Rate |  | 8 | Verified | Field Value reflects the Note value |
| 223685798 | [redacted] | [redacted] |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 223685799 | [redacted] | [redacted] |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223685799 | [redacted] | [redacted] |  |  | Amortization Term | [redacted] | [redacted] | Verified | Field Value reflects Amortization Term per Note |
| 223685800 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223685800 | [redacted] | [redacted] |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223685800 | [redacted] | [redacted] |  |  | Original Interest Rate |  | 6.75 | Verified | Field Value reflects the Note value |
| 223685800 | [redacted] | [redacted] |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223685801 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223685801 | [redacted] | [redacted] |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223685801 | [redacted] | [redacted] |  |  | Original Interest Rate |  | 7.625 | Verified | Field Value reflects the Note value |
| 223685801 | [redacted] | [redacted] |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 223685802 | [redacted] | [redacted] |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223685803 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223685803 | [redacted] | [redacted] |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223685803 | [redacted] | [redacted] |  |  | Original Interest Rate |  | 7.5 | Verified | Field Value reflects the Note value |
| 223685803 | [redacted] | [redacted] |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 223685803 | [redacted] | [redacted] |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223685804 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223685804 | [redacted] | [redacted] |  |  | Original Interest Rate |  | 7.625 | Verified | Field Value reflects the Note value |
| 223685804 | [redacted] | [redacted] |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 223685805 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223685805 | [redacted] | [redacted] |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223685805 | [redacted] | [redacted] |  |  | Original Interest Rate |  | 6.625 | Verified | Field Value reflects the Note value |
| 223685805 | [redacted] | [redacted] |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
| 223685806 | [redacted] | [redacted] |  |  | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 223685806 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223685806 | [redacted] | [redacted] |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223685806 | [redacted] | [redacted] |  |  | Original Interest Rate |  | 7.875 | Verified | Field Value reflects the Note value |
| 223685806 | [redacted] | [redacted] |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 223685807 | [redacted] | [redacted] |  |  | City | [redacted] | [redacted] | Verified | Field Value reflects City per Note |
| 223685807 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223685807 | [redacted] | [redacted] |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223685807 | [redacted] | [redacted] |  |  | Original Interest Rate |  | 8 | Verified | Field Value reflects the Note value |
| 223685807 | [redacted] | [redacted] |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
| 223685808 | [redacted] | [redacted] |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223685808 | [redacted] | [redacted] |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223685808 | [redacted] | [redacted] |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| 223685808 | [redacted] | [redacted] |  |  | Borrower FTHB | [redacted] | [redacted] | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 223687710 | [redacted] | [redacted] |  | 1000731389 | Original Loan Amount | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 223687710 | [redacted] | [redacted] |  | 1000731389 | Original Interest Rate | 7.875 | 7.75 | Verified | Field Value reflects the Note value |
| 223687710 | [redacted] | [redacted] |  | 1000731389 | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223687710 | [redacted] | [redacted] |  | 1000731389 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687710 | [redacted] | [redacted] |  | 1000731389 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687710 | [redacted] | [redacted] |  | 1000731389 | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687710 | [redacted] | [redacted] |  | 1000731389 | Has FTHB | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687710 | [redacted] | [redacted] |  | 1000731389 | Investor: Qualifying Total Debt Ratio | 32.2769 | 49.86748 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223687710 | [redacted] | [redacted] |  | 1000731389 | PITIA Reserves Months | 12.00 | 13.66 | Verified | Field value reflects source document |
| 223687711 | [redacted] | [redacted] |  | 1000168096 | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223687711 | [redacted] | [redacted] |  | 1000168096 | Doc Type | Alt | 24mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223687711 | [redacted] | [redacted] |  | 1000168096 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687711 | [redacted] | [redacted] |  | 1000168096 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687711 | [redacted] | [redacted] |  | 1000168096 | Product Description | GS NonQM FIXED 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687711 | [redacted] | [redacted] |  | 1000168096 | PITIA Reserves Months | 13.00 | 3.89 | Verified | Field value reflects source document |
| 223687716 | [redacted] | [redacted] |  |  | Doc Type | Full | Alt | Verified | Field Value reflects documentation located in origination file |
| 223687717 | [redacted] | [redacted] |  | 1000294755 | Doc Type | Alt | 24mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223687717 | [redacted] | [redacted] |  | 1000294755 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687717 | [redacted] | [redacted] |  | 1000294755 | Has FTHB | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687717 | [redacted] | [redacted] |  | 1000294755 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687717 | [redacted] | [redacted] |  | 1000294755 | PITIA Reserves Months | 7.00 | 6.93 | Verified | Field value reflects source document |
| 223687718 | [redacted] | [redacted] |  | 1000295289 | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223687718 | [redacted] | [redacted] |  | 1000295289 | Investor: Qualifying Total Debt Ratio | 31.847 | 34.82739 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223687718 | [redacted] | [redacted] |  | 1000295289 | PITIA Reserves Months | 86.00 | 85.97 | Verified | Field value reflects source document |
| 223687719 | [redacted] | [redacted] |  | 1000319087 | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223687719 | [redacted] | [redacted] |  | 1000319087 | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 223687719 | [redacted] | [redacted] |  | 1000319087 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687719 | [redacted] | [redacted] |  | 1000319087 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687719 | [redacted] | [redacted] |  | 1000319087 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687719 | [redacted] | [redacted] |  | 1000319087 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687719 | [redacted] | [redacted] |  | 1000319087 | PITIA Reserves Months | 24.00 | 15.58 | Verified | Field value reflects source document |
| 223687721 | [redacted] | [redacted] |  | 1000270450 | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223687721 | [redacted] | [redacted] |  | 1000270450 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687721 | [redacted] | [redacted] |  | 1000270450 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687721 | [redacted] | [redacted] |  | 1000270450 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687721 | [redacted] | [redacted] |  | 1000270450 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687721 | [redacted] | [redacted] |  | 1000270450 | PITIA Reserves Months | 42.00 | 42.40 | Verified | Field value reflects source document |
| 223687723 | [redacted] | [redacted] |  | 1000374801 | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223687723 | [redacted] | [redacted] |  | 1000374801 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687723 | [redacted] | [redacted] |  | 1000374801 | PITIA Reserves Months | 24.00 | 25.48 | Verified | Field value reflects source document |
| 223687724 | [redacted] | [redacted] |  | 1000388887 | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223687724 | [redacted] | [redacted] |  | 1000388887 | PITIA Reserves Months | 29.00 | 29.50 | Verified | Field value reflects source document |
| 223687725 | [redacted] | [redacted] |  | 1000394104 | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223687725 | [redacted] | [redacted] |  | 1000394104 | PITIA Reserves Months | 24.00 | 6.18 | Verified | Field value reflects source document |
| 223687726 | [redacted] | [redacted] |  | 1000487315 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687726 | [redacted] | [redacted] |  | 1000487315 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687726 | [redacted] | [redacted] |  | 1000487315 | PITIA Reserves Months | 50.00 | 50.15 | Verified | Field value reflects source document |
| 223687727 | [redacted] | [redacted] |  | 1000541748 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687727 | [redacted] | [redacted] |  | 1000541748 | PITIA Reserves Months | 65.00 | 63.97 | Verified | Field value reflects source document |
| 223687728 | [redacted] | [redacted] |  | 1000561582 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687728 | [redacted] | [redacted] |  | 1000561582 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687728 | [redacted] | [redacted] |  | 1000561582 | PITIA Reserves Months | 24.00 | 4.81 | Verified | Field value reflects source document |
| 223687729 | [redacted] | [redacted] |  | 1000613473 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687729 | [redacted] | [redacted] |  | 1000613473 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687729 | [redacted] | [redacted] |  | 1000613473 | PITIA Reserves Months | 7.00 | 60.56 | Verified | Field value reflects source document |
| 223687730 | [redacted] | [redacted] |  | 1000567498 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687730 | [redacted] | [redacted] |  | 1000567498 | PITIA Reserves Months | 107.00 | 106.54 | Verified | Field value reflects source document |
| 223687731 | [redacted] | [redacted] |  | 1000636132 | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223687731 | [redacted] | [redacted] |  | 1000636132 | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223687731 | [redacted] | [redacted] |  | 1000636132 | Investor: Qualifying Total Debt Ratio | 2.77 | 26.43163 | Verified | Acknowledged, Verified and updated same as per the document. |
| 223687731 | [redacted] | [redacted] |  | 1000636132 | PITIA Reserves Months | 12.00 | 17.22 | Verified | Field value reflects source document |
| 223687732 | [redacted] | [redacted] |  | 1000641320 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687732 | [redacted] | [redacted] |  | 1000641320 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687732 | [redacted] | [redacted] |  | 1000641320 | PITIA Reserves Months | 140.00 | 139.59 | Verified | Field value reflects source document |
| 223687733 | [redacted] | [redacted] |  | 1000643593 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687733 | [redacted] | [redacted] |  | 1000643593 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687733 | [redacted] | [redacted] |  | 1000643593 | PITIA Reserves Months | 30.00 | 39.08 | Verified | Field value reflects source document |
| 223687734 | [redacted] | [redacted] |  | 1000675447 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223687734 | [redacted] | [redacted] |  | 1000675447 | Doc Type | Asset Depletion | 1yr P&L w/o Bank Statements | Verified | Field Value reflects documentation located in origination file |
| 223687734 | [redacted] | [redacted] |  | 1000675447 | Investor: Qualifying Total Debt Ratio | 43.01 | 40.49397 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223687734 | [redacted] | [redacted] |  | 1000675447 | PITIA Reserves Months | 12.00 | 184.43 | Verified | Field value reflects source document |
| 223687736 | [redacted] | [redacted] |  | 1000716628 | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223687736 | [redacted] | [redacted] |  | 1000716628 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687736 | [redacted] | [redacted] |  | 1000716628 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687736 | [redacted] | [redacted] |  | 1000716628 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687736 | [redacted] | [redacted] |  | 1000716628 | PITIA Reserves Months | 12.00 | 23.94 | Verified | Field value reflects source document |
| 223687737 | [redacted] | [redacted] |  | 1000722224 | Doc Type | Asset Depletion | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223687737 | [redacted] | [redacted] |  | 1000722224 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687737 | [redacted] | [redacted] |  | 1000722224 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687737 | [redacted] | [redacted] |  | 1000722224 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687737 | [redacted] | [redacted] |  | 1000722224 | Investor: Qualifying Total Debt Ratio | 48.19 | 45.1256 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223687737 | [redacted] | [redacted] |  | 1000722224 | PITIA Reserves Months | 12.00 | 16.09 | Verified | Field value reflects source document |
| 223687738 | [redacted] | [redacted] |  | 1000739937 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687738 | [redacted] | [redacted] |  | 1000739937 | Has FTHB | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687738 | [redacted] | [redacted] |  | 1000739937 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687738 | [redacted] | [redacted] |  | 1000739937 | PITIA Reserves Months | 19.00 | 18.73 | Verified | Field value reflects source document |
| 223687739 | [redacted] | [redacted] |  | 1000739976 | Prepayment Penalty Period (months) | 1000 |  | Verified | Unable to verify due to missing information |
| 223687739 | [redacted] | [redacted] |  | 1000739976 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687739 | [redacted] | [redacted] |  | 1000739976 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687739 | [redacted] | [redacted] |  | 1000739976 | Investor: Qualifying Total Debt Ratio | 3.1 | 22.89531 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223687739 | [redacted] | [redacted] |  | 1000739976 | PITIA Reserves Months | 6.00 | 64.49 | Verified | Field value reflects source document |
| 223687740 | [redacted] | [redacted] |  | 46588280 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687740 | [redacted] | [redacted] |  | 46588280 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687740 | [redacted] | [redacted] |  | 46588280 | PITIA Reserves Months | 24.00 | 6.92 | Verified | Field value reflects source document |
| 223687741 | [redacted] | [redacted] |  | 47190848 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687741 | [redacted] | [redacted] |  | 47190848 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687741 | [redacted] | [redacted] |  | 47190848 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687741 | [redacted] | [redacted] |  | 47190848 | Investor: Qualifying Total Debt Ratio | 45 | 30.40641 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223687741 | [redacted] | [redacted] |  | 47190848 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687741 | [redacted] | [redacted] |  | 47190848 | PITIA Reserves Months | 12.00 | 17.26 | Verified | Field value reflects source document |
| 223687742 | [redacted] | [redacted] |  | 47177508 | Interest Rate Life Floor | 9.5 |  | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 223687743 | [redacted] | [redacted] |  | 47211152 | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223687743 | [redacted] | [redacted] |  | 47211152 | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223687743 | [redacted] | [redacted] |  | 47211152 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223687743 | [redacted] | [redacted] |  | 47211152 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687743 | [redacted] | [redacted] |  | 47211152 | Product Description | GS QM AUS 30yr Fixed | Fixed Rate | Verified | Field value reflects source document |
| 223687743 | [redacted] | [redacted] |  | 47211152 | Originator Loan Designation | Safe Harbor QM (APOR) | Non QM | Verified | Field value reflects source document |
| 223687744 | [redacted] | [redacted] |  | 47521210 | Original Interest Rate | 9 | 7.375 | Verified | Field Value reflects the Note value |
| 223687744 | [redacted] | [redacted] |  | 47521210 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687744 | [redacted] | [redacted] |  | 47521210 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687744 | [redacted] | [redacted] |  | 47521210 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687744 | [redacted] | [redacted] |  | 47521210 | Has FTHB | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687744 | [redacted] | [redacted] |  | 47521210 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687744 | [redacted] | [redacted] |  | 47521210 | PITIA Reserves Months | 24.00 | 8.40 | Verified | Field value reflects source document |
| 223687746 | [redacted] | [redacted] |  | 49895763 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687746 | [redacted] | [redacted] |  | 49895763 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687746 | [redacted] | [redacted] |  | 49895763 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687746 | [redacted] | [redacted] |  | 49895763 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687746 | [redacted] | [redacted] |  | 49895763 | PITIA Reserves Months | 24.00 | 23.22 | Verified | Field value reflects source document |
| 223687748 | [redacted] | [redacted] |  | 1000003842 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687748 | [redacted] | [redacted] |  | 1000003842 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687748 | [redacted] | [redacted] |  | 1000003842 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687748 | [redacted] | [redacted] |  | 1000003842 | Investor: Qualifying Total Debt Ratio | 50.437 | 46.61574 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223687748 | [redacted] | [redacted] |  | 1000003842 | PITIA Reserves Months | 12.00 | 38.85 | Verified | Field value reflects source document |
| 223687749 | [redacted] | [redacted] |  | 1000169808 | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223687749 | [redacted] | [redacted] |  | 1000169808 | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223687749 | [redacted] | [redacted] |  | 1000169808 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687749 | [redacted] | [redacted] |  | 1000169808 | PITIA Reserves Months | 48.00 | 24.91 | Verified | Field value reflects source document |
| 223687750 | [redacted] | [redacted] |  | 1000187624 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687751 | [redacted] | [redacted] |  | 1000222464 | Doc Type | Alt | 24mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223687751 | [redacted] | [redacted] |  | 1000222464 | Investor: Qualifying Total Debt Ratio | 31.018 | 46.49324 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223687751 | [redacted] | [redacted] |  | 1000222464 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687751 | [redacted] | [redacted] |  | 1000222464 | PITIA Reserves Months | 24.00 | 11.62 | Verified | Field value reflects source document |
| 223687752 | [redacted] | [redacted] |  | 1000224377 | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223687752 | [redacted] | [redacted] |  | 1000224377 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687752 | [redacted] | [redacted] |  | 1000224377 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687752 | [redacted] | [redacted] |  | 1000224377 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687752 | [redacted] | [redacted] |  | 1000224377 | PITIA Reserves Months | 12.00 | 20.42 | Verified | Field value reflects source document |
| 223687753 | [redacted] | [redacted] |  | 1000227938 | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| 223687753 | [redacted] | [redacted] |  | 1000227938 | Investor: Qualifying Total Debt Ratio | 43 | 39.51476 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223687753 | [redacted] | [redacted] |  | 1000227938 | PITIA Reserves Months | 0.00 | 20.72 | Verified | Field value reflects source document |
| 223687755 | [redacted] | [redacted] |  | 43937670 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223687755 | [redacted] | [redacted] |  | 43937670 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687755 | [redacted] | [redacted] |  | 43937670 | Investor: Qualifying Total Debt Ratio | 43 | 38.92786 | Verified | 1008 reflects 38.928% DTI. |
| 223687755 | [redacted] | [redacted] |  | 43937670 | PITIA Reserves Months | 12.00 | 7.97 | Verified | Field value reflects source document |
| 223687756 | [redacted] | [redacted] |  | 43691421 | Prepayment Penalty Period (months) | 1 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687756 | [redacted] | [redacted] |  | 43691421 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687756 | [redacted] | [redacted] |  | 43691421 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687756 | [redacted] | [redacted] |  | 43691421 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687756 | [redacted] | [redacted] |  | 43691421 | PITIA Reserves Months | 24.00 | 20.42 | Verified | Field value reflects source document |
| 223687760 | [redacted] | [redacted] |  | 43906053 | Has FTHB | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687760 | [redacted] | [redacted] |  | 43906053 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687760 | [redacted] | [redacted] |  | 43906053 | PITIA Reserves Months | 24.00 | 16.69 | Verified | Field value reflects source document |
| 223687763 | [redacted] | [redacted] |  | 46297800 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687763 | [redacted] | [redacted] |  | 46297800 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687763 | [redacted] | [redacted] |  | 46297800 | PITIA Reserves Months | 24.00 | 9.01 | Verified | Field value reflects source document |
| 223687765 | [redacted] | [redacted] |  | 39828507 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223687765 | [redacted] | [redacted] |  | 39828507 | PITIA Reserves Months | 3.99 | 53.48 | Verified | Field value reflects source document |
| 223687766 | [redacted] | [redacted] |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223687766 | [redacted] | [redacted] |  |  | Investor: Qualifying Total Debt Ratio | 48.998 | 42.96212 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223687766 | [redacted] | [redacted] |  |  | PITIA Reserves Months | 52.00 | 52.10 | Verified | Field value reflects source document |
| 223687767 | [redacted] | [redacted] |  | 40185958 | PITIA Reserves Months | 20.96 | 14.04 | Verified | Field value reflects source document |
| 223687770 | [redacted] | [redacted] |  |  | PITIA Reserves Months | 13.72 | 15.00 | Verified | Field value reflects source document |
| 223687771 | [redacted] | [redacted] |  | 40186095 | First Payment Date | [redacted] | [redacted] | Verified | Field Value reflects First Payment Date per the Note |
| 223687771 | [redacted] | [redacted] |  | 40186095 | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| 223687771 | [redacted] | [redacted] |  | 40186095 | PITIA Reserves Months | 119.55 | 67.07 | Verified | Field value reflects source document |
| 223687772 | [redacted] | [redacted] |  |  | Investor: Qualifying Total Debt Ratio | 38.893 | 41.80691 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223687772 | [redacted] | [redacted] |  |  | PITIA Reserves Months | 33.46 | 56.08 | Verified | Field value reflects source document |
| 223687776 | [redacted] | [redacted] |  | 1000480989 | Property Type | Single Family Detached | 4 Family |  |  |
| 223687822 | [redacted] | [redacted] |  | 40185996 | Note Date | [redacted] | [redacted] | Verified | Field reflects the Notary date |
| 223687822 | [redacted] | [redacted] |  | 40185996 | Amortization Term | [redacted] | [redacted] | Verified | Field Value reflects Amortization Term per Note |
| 223687822 | [redacted] | [redacted] |  | 40185996 | Representative FICO | 769 | 739 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223687822 | [redacted] | [redacted] |  | 40185996 | PITIA Reserves Months | 26.97 | 29.26 | Verified | Field value reflects source document |
| 223687823 | [redacted] | [redacted] |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223687823 | [redacted] | [redacted] |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 223687823 | [redacted] | [redacted] |  |  | PITIA Reserves Months | 1.12 | 0.00 | Verified | No Reserves Required |
| 223687824 | [redacted] | [redacted] |  | 40186209 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223687824 | [redacted] | [redacted] |  | 40186209 | LTV Valuation Value | XX | XX | Verified | Field value is the lessor of the 2 appraisals in file |
| 223687824 | [redacted] | [redacted] |  | 40186209 | PITIA Reserves Months | 14.05 | 12.65 | Verified | Field value reflects source document |
| 223687825 | [redacted] | [redacted] |  | 43695888 | Original Loan Amount | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 223687825 | [redacted] | [redacted] |  | 43695888 | Original CLTV | 75 | 66.72 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 223687825 | [redacted] | [redacted] |  | 43695888 | Original LTV | 75 | 66.72 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 223687825 | [redacted] | [redacted] |  | 43695888 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687825 | [redacted] | [redacted] |  | 43695888 | PITIA Reserves Months | 24.00 | 14.18 | Verified | Field value reflects source document |
| 223687834 | [redacted] | [redacted] |  | 48152447 | PITIA Reserves Months | 24.00 | 9.49 | Verified | Field value reflects source document |
| 223687835 | [redacted] | [redacted] |  | 1000177263 | PITIA Reserves Months | 14.00 | 9.91 | Verified | Field value reflects source document |
| 223687836 | [redacted] | [redacted] |  | 1000222992 | PITIA Reserves Months | 12.00 | 0.00 | Verified | Field value reflects source document |
| 223687838 | [redacted] | [redacted] |  | 1000233774 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687838 | [redacted] | [redacted] |  | 1000233774 | PITIA Reserves Months | 128.00 | 127.71 | Verified | Field value reflects source document |
| 223687840 | [redacted] | [redacted] |  | 1000268114 | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| 223687840 | [redacted] | [redacted] |  | 1000268114 | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687840 | [redacted] | [redacted] |  | 1000268114 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687840 | [redacted] | [redacted] |  | 1000268114 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687840 | [redacted] | [redacted] |  | 1000268114 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687840 | [redacted] | [redacted] |  | 1000268114 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223687840 | [redacted] | [redacted] |  | 1000268114 | PITIA Reserves Months | 6.00 | 29.03 | Verified | Field value reflects source document |
| 223687842 | [redacted] | [redacted] |  | 1000279433 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687842 | [redacted] | [redacted] |  | 1000279433 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687842 | [redacted] | [redacted] |  | 1000279433 | PITIA Reserves Months | 38.00 | 38.12 | Verified | Field value reflects source document |
| 223687843 | [redacted] | [redacted] |  | 1000341378 | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223687843 | [redacted] | [redacted] |  | 1000341378 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223687843 | [redacted] | [redacted] |  | 1000341378 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687843 | [redacted] | [redacted] |  | 1000341378 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687843 | [redacted] | [redacted] |  | 1000341378 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687843 | [redacted] | [redacted] |  | 1000341378 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223687843 | [redacted] | [redacted] |  | 1000341378 | PITIA Reserves Months | 24.00 | 7.33 | Verified | Field value reflects source document |
| 223687844 | [redacted] | [redacted] |  | 1000356236 | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687844 | [redacted] | [redacted] |  | 1000356236 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687844 | [redacted] | [redacted] |  | 1000356236 | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223687844 | [redacted] | [redacted] |  | 1000356236 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687844 | [redacted] | [redacted] |  | 1000356236 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687844 | [redacted] | [redacted] |  | 1000356236 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687844 | [redacted] | [redacted] |  | 1000356236 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | dscr - no income |
| 223687844 | [redacted] | [redacted] |  | 1000356236 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687844 | [redacted] | [redacted] |  | 1000356236 | PITIA Reserves Months | 96.00 | 360.52 | Verified | Field value reflects source document |
| 223687845 | [redacted] | [redacted] |  | 1000364395 | PITIA Reserves Months | 22.00 | 73.24 | Verified | Field value reflects source document |
| 223687846 | [redacted] | [redacted] |  | 1000442375 | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687846 | [redacted] | [redacted] |  | 1000442375 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687846 | [redacted] | [redacted] |  | 1000442375 | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223687846 | [redacted] | [redacted] |  | 1000442375 | Prepayment Penalty Period (months) | 1000 | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687846 | [redacted] | [redacted] |  | 1000442375 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687846 | [redacted] | [redacted] |  | 1000442375 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687846 | [redacted] | [redacted] |  | 1000442375 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | dscr |
| 223687846 | [redacted] | [redacted] |  | 1000442375 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687846 | [redacted] | [redacted] |  | 1000442375 | PITIA Reserves Months | 24.00 | 9.46 | Verified | Field value reflects source document |
| 223687847 | [redacted] | [redacted] |  | 1000467069 | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223687847 | [redacted] | [redacted] |  | 1000467069 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687847 | [redacted] | [redacted] |  | 1000467069 | PITIA Reserves Months | 6.00 | 6.25 | Verified | Field value reflects source document |
| 223687848 | [redacted] | [redacted] |  | 1000467039 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687848 | [redacted] | [redacted] |  | 1000467039 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687848 | [redacted] | [redacted] |  | 1000467039 | PITIA Reserves Months | 24.00 | 183.45 | Verified | Field value reflects source document |
| 223687852 | [redacted] | [redacted] |  | 1000536580 | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687852 | [redacted] | [redacted] |  | 1000536580 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687852 | [redacted] | [redacted] |  | 1000536580 | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223687852 | [redacted] | [redacted] |  | 1000536580 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223687852 | [redacted] | [redacted] |  | 1000536580 | PITIA Reserves Months | 14.00 | 14.07 | Verified | Field value reflects source document |
| 223687853 | [redacted] | [redacted] |  | 1000541724 | Prepayment Penalty Period (months) | 1000 | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687853 | [redacted] | [redacted] |  | 1000541724 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687853 | [redacted] | [redacted] |  | 1000541724 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687853 | [redacted] | [redacted] |  | 1000541724 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | dscr |
| 223687853 | [redacted] | [redacted] |  | 1000541724 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687853 | [redacted] | [redacted] |  | 1000541724 | PITIA Reserves Months | 47.00 | 47.33 | Verified | Field value reflects source document |
| 223687854 | [redacted] | [redacted] |  | 1000543050 | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687854 | [redacted] | [redacted] |  | 1000543050 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687854 | [redacted] | [redacted] |  | 1000543050 | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223687854 | [redacted] | [redacted] |  | 1000543050 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687854 | [redacted] | [redacted] |  | 1000543050 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687854 | [redacted] | [redacted] |  | 1000543050 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687854 | [redacted] | [redacted] |  | 1000543050 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | dscr |
| 223687854 | [redacted] | [redacted] |  | 1000543050 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687854 | [redacted] | [redacted] |  | 1000543050 | PITIA Reserves Months | 31.00 | 593.90 | Verified | Field value reflects source document |
| 223687855 | [redacted] | [redacted] |  | 1000566862 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223687855 | [redacted] | [redacted] |  | 1000566862 | PITIA Reserves Months | 92.00 | 96.94 | Verified | Field value reflects source document |
| 223687856 | [redacted] | [redacted] |  | 1000574350 | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687856 | [redacted] | [redacted] |  | 1000574350 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687856 | [redacted] | [redacted] |  | 1000574350 | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223687856 | [redacted] | [redacted] |  | 1000574350 | PITIA Reserves Months | 24.00 | 57.90 | Verified | Field value reflects source document |
| 223687858 | [redacted] | [redacted] |  | 1000627484 | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687858 | [redacted] | [redacted] |  | 1000627484 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687858 | [redacted] | [redacted] |  | 1000627484 | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223687858 | [redacted] | [redacted] |  | 1000627484 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687858 | [redacted] | [redacted] |  | 1000627484 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687858 | [redacted] | [redacted] |  | 1000627484 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687858 | [redacted] | [redacted] |  | 1000627484 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223687858 | [redacted] | [redacted] |  | 1000627484 | PITIA Reserves Months | 34.00 | 479.63 | Verified | Field value reflects source document |
| 223687859 | [redacted] | [redacted] |  | 1000632114 | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| 223687859 | [redacted] | [redacted] |  | 1000632114 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687859 | [redacted] | [redacted] |  | 1000632114 | Property Type | Condo | Site Condo | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223687859 | [redacted] | [redacted] |  | 1000632114 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687859 | [redacted] | [redacted] |  | 1000632114 | PITIA Reserves Months | 24.00 | 6.05 | Verified | Field value reflects source document |
| 223687860 | [redacted] | [redacted] |  | 1000632656 | Borrower First Name | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223687860 | [redacted] | [redacted] |  | 1000632656 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687860 | [redacted] | [redacted] |  | 1000632656 | Borrower SSN | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223687860 | [redacted] | [redacted] |  | 1000632656 | Prepayment Penalty Period (months) | 1000 |  | Verified | Unable to verify due to missing information |
| 223687860 | [redacted] | [redacted] |  | 1000632656 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687860 | [redacted] | [redacted] |  | 1000632656 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687860 | [redacted] | [redacted] |  | 1000632656 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Unable to verify due to missing information |
| 223687860 | [redacted] | [redacted] |  | 1000632656 | PITIA Reserves Months | 12.00 | 84.69 | Verified | Field value reflects source document |
| 223687861 | [redacted] | [redacted] |  | 1000633096 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687861 | [redacted] | [redacted] |  | 1000633096 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687861 | [redacted] | [redacted] |  | 1000633096 | PITIA Reserves Months | 23.00 | 255.79 | Verified | Field value reflects source document |
| 223687862 | [redacted] | [redacted] |  | 1000636101 | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687862 | [redacted] | [redacted] |  | 1000636101 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687862 | [redacted] | [redacted] |  | 1000636101 | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223687862 | [redacted] | [redacted] |  | 1000636101 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687862 | [redacted] | [redacted] |  | 1000636101 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687862 | [redacted] | [redacted] |  | 1000636101 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687862 | [redacted] | [redacted] |  | 1000636101 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223687862 | [redacted] | [redacted] |  | 1000636101 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687862 | [redacted] | [redacted] |  | 1000636101 | PITIA Reserves Months | 16.00 | 14.88 | Verified | Field value reflects source document |
| 223687863 | [redacted] | [redacted] |  | 1000643781 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687863 | [redacted] | [redacted] |  | 1000643781 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687863 | [redacted] | [redacted] |  | 1000643781 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687863 | [redacted] | [redacted] |  | 1000643781 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | dscr |
| 223687863 | [redacted] | [redacted] |  | 1000643781 | PITIA Reserves Months | 173.00 | 172.07 | Verified | Field value reflects source document |
| 223687864 | [redacted] | [redacted] |  | 1000673542 | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223687864 | [redacted] | [redacted] |  | 1000673542 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223687864 | [redacted] | [redacted] |  | 1000673542 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687864 | [redacted] | [redacted] |  | 1000673542 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687864 | [redacted] | [redacted] |  | 1000673542 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687864 | [redacted] | [redacted] |  | 1000673542 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223687864 | [redacted] | [redacted] |  | 1000673542 | PITIA Reserves Months | 12.00 | 11.78 | Verified | Field value reflects source document |
| 223687865 | [redacted] | [redacted] |  | 1000683147 | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687865 | [redacted] | [redacted] |  | 1000683147 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687865 | [redacted] | [redacted] |  | 1000683147 | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223687865 | [redacted] | [redacted] |  | 1000683147 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687865 | [redacted] | [redacted] |  | 1000683147 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687865 | [redacted] | [redacted] |  | 1000683147 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687865 | [redacted] | [redacted] |  | 1000683147 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223687865 | [redacted] | [redacted] |  | 1000683147 | PITIA Reserves Months | 24.00 | 99.56 | Verified | Field value reflects source document |
| 223687866 | [redacted] | [redacted] |  | 1000686056 | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687866 | [redacted] | [redacted] |  | 1000686056 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687866 | [redacted] | [redacted] |  | 1000686056 | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223687866 | [redacted] | [redacted] |  | 1000686056 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687866 | [redacted] | [redacted] |  | 1000686056 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687866 | [redacted] | [redacted] |  | 1000686056 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687866 | [redacted] | [redacted] |  | 1000686056 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223687866 | [redacted] | [redacted] |  | 1000686056 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687866 | [redacted] | [redacted] |  | 1000686056 | PITIA Reserves Months | 27.00 | 80.61 | Verified | Field value reflects source document |
| 223687867 | [redacted] | [redacted] |  | 1000690710 | Representative FICO | 728 | 726 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 223687867 | [redacted] | [redacted] |  | 1000690710 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687867 | [redacted] | [redacted] |  | 1000690710 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687867 | [redacted] | [redacted] |  | 1000690710 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223687867 | [redacted] | [redacted] |  | 1000690710 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687867 | [redacted] | [redacted] |  | 1000690710 | PITIA Reserves Months | 27.00 | 95.65 | Verified | Field value reflects source document |
| 223687868 | [redacted] | [redacted] |  | 1000709370 | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687868 | [redacted] | [redacted] |  | 1000709370 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687868 | [redacted] | [redacted] |  | 1000709370 | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223687868 | [redacted] | [redacted] |  | 1000709370 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687868 | [redacted] | [redacted] |  | 1000709370 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687868 | [redacted] | [redacted] |  | 1000709370 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687868 | [redacted] | [redacted] |  | 1000709370 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 223687868 | [redacted] | [redacted] |  | 1000709370 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687868 | [redacted] | [redacted] |  | 1000709370 | PITIA Reserves Months | 24.00 | 38.87 | Verified | Field value reflects source document |
| 223687869 | [redacted] | [redacted] |  | 1000716994 | Borrower First Name | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223687869 | [redacted] | [redacted] |  | 1000716994 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687869 | [redacted] | [redacted] |  | 1000716994 | Borrower SSN | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| 223687869 | [redacted] | [redacted] |  | 1000716994 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687869 | [redacted] | [redacted] |  | 1000716994 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687869 | [redacted] | [redacted] |  | 1000716994 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Unable to verify due to missing information |
| 223687869 | [redacted] | [redacted] |  | 1000716994 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687869 | [redacted] | [redacted] |  | 1000716994 | PITIA Reserves Months | 24.00 | 13.11 | Verified | Field value reflects source document |
| 223687871 | [redacted] | [redacted] |  | 1000731424 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687871 | [redacted] | [redacted] |  | 1000731424 | PITIA Reserves Months | 9.00 | 12.01 | Verified | Field value reflects source document |
| 223687872 | [redacted] | [redacted] |  | 1000742059 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687872 | [redacted] | [redacted] |  | 1000742059 | PITIA Reserves Months | 31.00 | 30.42 | Verified | Field value reflects source document |
| 223687873 | [redacted] | [redacted] |  | 1000767093 | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687873 | [redacted] | [redacted] |  | 1000767093 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687873 | [redacted] | [redacted] |  | 1000767093 | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223687873 | [redacted] | [redacted] |  | 1000767093 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687873 | [redacted] | [redacted] |  | 1000767093 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687873 | [redacted] | [redacted] |  | 1000767093 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223687873 | [redacted] | [redacted] |  | 1000767093 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687873 | [redacted] | [redacted] |  | 1000767093 | PITIA Reserves Months | 6.00 | 78.87 | Verified | Field value reflects source document |
| 223687874 | [redacted] | [redacted] |  | 1000786975 | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687874 | [redacted] | [redacted] |  | 1000786975 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687874 | [redacted] | [redacted] |  | 1000786975 | Borrower SSN | [redacted] | [redacted] | Verified | Field Value verified by application or other documentation in file |
| 223687874 | [redacted] | [redacted] |  | 1000786975 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687874 | [redacted] | [redacted] |  | 1000786975 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687874 | [redacted] | [redacted] |  | 1000786975 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223687874 | [redacted] | [redacted] |  | 1000786975 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687874 | [redacted] | [redacted] |  | 1000786975 | PITIA Reserves Months | 29.00 | 38.26 | Verified | Field value reflects source document |
| 223687875 | [redacted] | [redacted] |  | 1000790436 | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| 223687875 | [redacted] | [redacted] |  | 1000790436 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223687875 | [redacted] | [redacted] |  | 1000790436 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687875 | [redacted] | [redacted] |  | 1000790436 | PITIA Reserves Months | 47.00 | 45.23 | Verified | Field value reflects source document |
| 223687876 | [redacted] | [redacted] |  | 1000685965 | Original Loan Amount | [redacted] | [redacted] | Verified | Field Value reflects the Note value |
| 223687876 | [redacted] | [redacted] |  | 1000685965 | Original CLTV | 58.75 | 53.41772 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223687876 | [redacted] | [redacted] |  | 1000685965 | Original LTV | 58.75 | 53.41772 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 223687876 | [redacted] | [redacted] |  | 1000685965 | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 223687876 | [redacted] | [redacted] |  | 1000685965 | Lender | [redacted] | [redacted] | Verified | Field Value reflects Lender name per the Note |
| 223687876 | [redacted] | [redacted] |  | 1000685965 | Product Description | GS NonQM FIXED 30 | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| 223687876 | [redacted] | [redacted] |  | 1000685965 | Investor: Qualifying Total Debt Ratio | 999.99 |  | Verified | DSCR loan |
| 223687876 | [redacted] | [redacted] |  | 1000685965 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223687876 | [redacted] | [redacted] |  | 1000685965 | PITIA Reserves Months | 18.00 | 18.11 | Verified | Field value reflects source document |
| 223694146 | [redacted] | [redacted] |  | 38616564 | PITIA Reserves Months | 102.28 | 53.88 | Verified | All reserves are from cash-out on subject transaction. |
| 223694147 | [redacted] | [redacted] |  |  | PITIA Reserves Months | 19.98 | 20.82 | Verified | Field value reflects source document |
| 223694148 | [redacted] | [redacted] | XX |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 223694148 | [redacted] | [redacted] | XX |  | Appraisal As-Is Value | XX |  | Verified | Unable to verify due to missing information |
| 223709421 | [redacted] | [redacted] |  | 42627350 | Product Description | GS Non-QM Fixed 30 | Fixed Rate | Verified | Field value reflects source document |
| 223709421 | [redacted] | [redacted] |  | 42627350 | PITIA Reserves Months | 6.00 | 22.36 | Verified | Field value reflects source document |
| 223716529 | [redacted] | [redacted] |  | 48198679 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 223716529 | [redacted] | [redacted] |  | 48198679 | Investor: Qualifying Total Debt Ratio | 42.871 | 47.82505 | Verified | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |
| 223716529 | [redacted] | [redacted] |  | 48198679 | Escrow Account | [redacted] | [redacted] | Verified | Field value reflects source document |
| 223716529 | [redacted] | [redacted] |  | 48198679 | PITIA Reserves Months | 24.00 | 28.99 | Verified | Field value reflects source document |
| 223716530 | [redacted] | [redacted] |  | 49871595 | Doc Type | Alt | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| 223716530 | [redacted] | [redacted] |  | 49871595 | Investor: Qualifying Total Debt Ratio | 41.723 | 24.30078 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 223716530 | [redacted] | [redacted] |  | 49871595 | PITIA Reserves Months | 6.00 | 18.55 | Verified | Field value reflects source document |

---

## Exhibit 99.12

**Exhibit 99.12 Schedule 2**

---

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| ![](ex99-12sch2_001.jpg) | ![](ex99-12sch2_001.jpg) | ![](ex99-12sch2_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 7/XX/2025 6:53:13 PM** | **Run Date - 7/XX/2025 6:53:13 PM** | **Run Date - 7/XX/2025 6:53:13 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **DBRS Final Exception Rating** | **Fitch Initial Exception Rating** | **Fitch Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **S&P Initial Exception Rating** | **S&P Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Overall<br> Initial Loan Grade** | **Overall<br> Final Loan Grade** | **Credit<br> Initial Loan Grade** | **Credit<br> Final Loan Grade** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 222433629 | [redacted] | [redacted |  | 32192028 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: [redacted] |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared.<br>Reviewer Comment (2024-XX-04): AVM outside 12 month date range from closing, cannot be considered for securitization.<br>Reviewer Comment (2024-XX-14): Investor to order. No further comment from seller is required.<br>Seller Comment (2024-XX-13): Will [redacted] be ordering a 2nd appraisal? | 4/XX/2025 11:39:50 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | OK | Second Home | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222433629 | [redacted] | [redacted |  | 32192029 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [redacted]: Creditor did not provide a copy of each valuation to applicant [redacted] [redacted] business days prior to consummation. | Missing receipt of[redacted] report, receipt of earlier report was provided. |  |  |  | Reviewer Comment (2024-XX-21): Evidence of receipt provided.<br>Seller Comment (2024-XX-17): Lender signed doc<br>Reviewer Comment (2024-XX-17): Notice of right to receive copy of appraisal is signed but not filled out, please provide signed and filled out form to clear exception.<br>Seller Comment (2024-XX-15): Please see attached<br>Reviewer Comment (2024-XX-14): Please provide delivery if appraisal with report date [redacted] or completed right to receive copy of appraisal.<br>Seller Comment (2024-XX-13): Please see attached | 5/XX/2024 9:46:17 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | OK | Second Home | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222433629 | [redacted] | [redacted |  | 32192030 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [redacted]): Originator Loan Designation of [redacted] ([redacted]) does not match Due Diligence Loan Designation of [redacted] ([redacted]) Fail. | [redacted] due to QM exception. |  |  |  | Reviewer Comment (2024-XX-14): Updated per third party verification, exceptions cleared. | 5/XX/2024 4:43:21 PM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | OK | Second Home | Purchase | Lender to provide updated ATR/QM status | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222433629 | [redacted] | [redacted |  | 32192031 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - [redacted] | General QM: Unable to verify current [redacted] status using reasonably reliable third-party records. | Business tax returns are not signed and dated. |  |  |  | Reviewer Comment (2024-XX-14): Third party verification provided, exception cleared.<br>Seller Comment (2024-XX-13): Please see attached<br>Seller Comment (2024-XX-13): [redacted] does not required signed income tax when we obtain [redacted] Transcripts. There are [redacted] tax transcripts on this loan. | 5/XX/2024 4:39:51 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OK | Second Home | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222433629 | [redacted] | [redacted |  | 32192032 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - [redacted] | General QM: Unable to verify current [redacted] status using reasonably reliable third-party records. | Business tax returns are not signed and dated. |  |  |  | Reviewer Comment (2024-XX-14): Updated per third party verification, exceptions cleared.<br>Seller Comment (2024-XX-13): FUB does not require signed tax returns when we get IRS transcripts. Previously uploaded Third Party review | 5/XX/2024 4:43:21 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OK | Second Home | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222433629 | [redacted] | [redacted |  | 32192033 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Initial Closing Disclosure issued [redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2024-XX-22): [redacted] received [redacted] to remove document(s) [redacted] from testing as not provided to the borrower.<br>Seller Comment (2024-XX-21): [redacted] for non disclosed [redacted]<br>Reviewer Comment (2024-XX-16): Documents [redacted] Contains incomplete [redacted] and has closing date [redacted] . If the [redacted] were not provided to the borrower, Please provide Letter of Attestation indicating the document ID's [redacted] were never provided to the borrower and [redacted]will review for re-testing.<br>Seller Comment (2024-XX-15): see attached<br>Seller Comment (2024-XX-15): Per our [redacted] [redacted]: There is no econsent on this one. There was no [redacted] sent on [redacted]. The initial [redacted] was sent [redacted] which we have the signed copy in the file. I have attached. | 5/XX/2024 6:12:40 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OK | Second Home | Purchase | No Defined Cure | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222433629 | [redacted] | [redacted |  | 32192035 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points has added on [redacted] Loan Estimate. |  |  |  | Reviewer Comment (2024-XX-16): [redacted] Received Valid [redacted] dated [redacted]<br>Seller Comment (2024-XX-15): Please see attached rate lock showing Discount at [redacted].00%<br>Reviewer Comment (2024-XX-15): [redacted] received [redacted] dated [redacted], however it doesn't provide any information regarding why the fee was added. Please provide supporting rate lock document or [redacted] with additional information. A valid Changed Circumstance or cure is required. Cure consists of Corrected [redacted], [redacted] to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2024-XX-13): On [redacted] [redacted] dated [redacted] Discount point were added when rate was locked/changed. The discount points were on all other [redacted] and all [redacted]. Please tell me where you got the [redacted] tolerance.<br>Seller Comment (2024-XX-13): Please see attached | 5/XX/2024 7:42:40 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OK | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222433629 | [redacted] | [redacted |  | 32192036 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Final [redacted] section [redacted][redacted][redacted] indicates subject is to be a primary residence while [redacted]a and[redacted]a indicate it is second home. All documentation in file indicates subject as currently second home. |  |  |  | Reviewer Comment (2024-XX-21): Corrected [redacted] provided.<br>Seller Comment (2024-XX-17): [redacted]<br>Seller Comment (2024-XX-17): Corrected 1003 and LOE/FedEx to borrower<br>Reviewer Comment (2024-XX-14): Please take another look at co-borrowers answer to question on final [redacted] section [redacted]a.<br>Seller Comment (2024-XX-13): Final [redacted] attached<br>Seller Comment (2024-XX-13): Please take another look at the final 1003<br> Section 5a: Will you occupy the property as your primary residence? Answer = NO | 5/XX/2024 9:46:33 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OK | Second Home | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222433629 | [redacted] | [redacted |  | 32192037 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2024-XX-24): Initial [redacted] was mailed per lender.<br>Seller Comment (2024-XX-22): Econsent [redacted] with snip<br>Reviewer Comment (2024-XX-22): [redacted] [redacted] was received with e-consent also. Still missing e-consent.<br>Seller Comment (2024-XX-21): Email/ [redacted] as to [redacted]<br>Reviewer Comment (2024-XX-17): Initial loan application dated [redacted] is electronically signed and electronic consent is required.<br>Seller Comment (2024-XX-15): Per my [redacted] [redacted]: There is no econsent on this one. There was no [redacted] sent on [redacted]. The initial [redacted] was sent [redacted] which we have the signed copy in the file. | 5/XX/2024 10:18:16 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OK | Second Home | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222433686 | [redacted] | [redacted |  | 32192313 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared.<br>Reviewer Comment (2024-XX-04): AVM outside 12 month date range from closing, cannot be considered for securitization. | 4/XX/2025 12:06:38 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222433686 | [redacted] | [redacted |  | 32192314 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted]disclosed a mortgage insurance payment for payment stream [redacted] that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 9/XX/2024 12:42:41 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222433686 | [redacted] | [redacted |  | 32192315 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a periodic principal and interest payment for payment stream [redacted] that does not match the actual payment for the loan. |  |  |  |  |  |  |  | 9/XX/2024 12:43:33 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222433686 | [redacted] | [redacted |  | 32192316 |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] ([redacted]) days of application. |  |  |  |  |  |  |  | 9/XX/2024 12:43:33 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | No Defined Cure | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222433686 | [redacted] | [redacted |  | 32192317 |  |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 9/XX/2024 12:43:33 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | No Defined Cure | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222433686 | [redacted] | [redacted |  | 32192320 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within [redacted] ([redacted]) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  |  |  |  | 9/XX/2024 12:43:33 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222433711 | [redacted] | [redacted |  | 32192495 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  |  | 9/XX/2024 8:17:47 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | A | B | D | A | Safe Harbor QM (APOR) | Non QM | No |
| 222433711 | [redacted] | [redacted |  | 32192496 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared. | 4/XX/2025 12:18:07 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | A | B | D | A | Safe Harbor QM (APOR) | Non QM | No |
| 222433711 | [redacted] | [redacted |  | 32192498 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage ([redacted]): Originator Loan Designation of Safe Harbor [redacted]([redacted]) does not match Due Diligence Loan Designation of [redacted]([redacted]) Risk. |  |  |  |  |  | 9/XX/2024 10:40:30 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | D | B | C | A | A | B | D | A | Safe Harbor QM (APOR) | Non QM | Yes |
| 222433711 | [redacted] | [redacted |  | 32192499 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 9/XX/2024 10:40:30 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | A | B | D | A | Safe Harbor QM (APOR) | Non QM | No |
| 222433711 | [redacted] | [redacted |  | 32192500 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  |  |  |  |  |  | 9/XX/2024 8:20:38 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | A | B | D | A | Safe Harbor QM (APOR) | Non QM | No |
| 222433711 | [redacted] | [redacted |  | 32192501 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of [redacted]Risk. |  |  |  |  |  | 9/XX/2024 8:22:11 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | D | B | C | A | A | B | D | A | Safe Harbor QM (APOR) | Non QM | Yes |
| 222433711 | [redacted] | [redacted |  | 32192502 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay ([redacted]): Based on the loan failing one or more guideline components, the loan is at [redacted]risk. |  |  |  |  |  | 9/XX/2024 8:22:11 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | A | B | D | A | Safe Harbor QM (APOR) | Non QM | No |
| 222433711 | [redacted] | [redacted |  | 32192503 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay ([redacted]): The Qualification Method used by the lender does not match the [redacted]payment calculation methods under [redacted](c)([redacted]). |  |  |  |  | Reviewer Comment (2024-XX-27): Waive for securitization |  |  | 11/XX/2024 10:00:04 AM | 2 |  | B |  | B |  | B |  | B |  | B |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | A | B | D | A | Safe Harbor QM (APOR) | Non QM | No |
| 222433711 | [redacted] | [redacted |  | 32192504 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  |  | 9/XX/2024 8:21:22 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | A | B | D | A | Safe Harbor QM (APOR) | Non QM | No |
| 222433711 | [redacted] | [redacted |  | 32192505 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay ([redacted]): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. |  |  |  |  | Reviewer Comment (2024-XX-27): Waive for securitization |  |  | 11/XX/2024 9:59:46 AM | 2 |  | A |  | B |  | B |  | B |  | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | A | B | D | A | Safe Harbor QM (APOR) | Non QM | No |
| 222433716 | [redacted] | [redacted |  | 32192527 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  | Borrower has verified disposable income of at least $XXBorrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-30): Client elected to regrade |  |  | 6/XX/2025 4:40:26 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222433716 | [redacted] | [redacted |  | 32192528 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  |  | 9/XX/2024 3:50:47 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222433716 | [redacted] | [redacted |  | 32192529 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared. | 4/XX/2025 12:20:16 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222433723 | [redacted] | [redacted |  | 32192584 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared. | 4/XX/2025 12:23:22 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | CA | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222523867 | [redacted] | [redacted |  | 32362571 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing account statement #xx used for income calculation for the month of xx 2024. |  |  |  | Reviewer Comment (2025-XX-06): Sept. statement provided and cleared. | 1/XX/2025 5:27:38 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 222523867 | [redacted] | [redacted |  | 32362573 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-XX-27): BPO provided and cleared. | 12/XX/2024 1:07:51 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 222523867 | [redacted] | [redacted |  | 32362576 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Missing account statement #xx used for income calculation for the month of xx 2024. |  |  |  | Reviewer Comment (2025-XX-06): Sept. statement provided and cleared. | 1/XX/2025 5:27:29 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 222523867 | [redacted] | [redacted |  | 32362577 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXBorrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-08): Client elected to re grade |  |  | 1/XX/2025 2:44:14 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 222523867 | [redacted] | [redacted |  | 32362578 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing account statement #xx used for income calculation for the month of xx 2024. |  |  |  | Reviewer Comment (2025-XX-06): Sept. statement provided and cleared. | 1/XX/2025 5:27:48 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 222523867 | [redacted] | [redacted |  | 32362595 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.87840% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XX (an overage of $XX or 1.87840%). |  |  |  |  | Reviewer Comment (2025-XX-08): Waived |  |  | 1/XX/2025 2:45:50 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | C | B | C | B | D | A | Non QM | Non QM | Yes |
| 222523867 | [redacted] | [redacted |  | 32362596 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall from reserves failure. |  |  |  | Reviewer Comment (2025-XX-08): Client re graded reserve exception | 1/XX/2025 2:45:29 PM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | C | B | C | B | D | A | Non QM | Non QM | Yes |
| 222523867 | [redacted] | [redacted |  | 32362597 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall from reserves failure. |  |  |  | Reviewer Comment (2025-XX-08): Client re graded reserve exception | 1/XX/2025 2:45:29 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 222523867 | [redacted] | [redacted |  | 32362599 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing account statement #xx used for income calculation for the month of xx 2024. |  |  |  | Reviewer Comment (2025-XX-06): Sept. statement provided and cleared. | 1/XX/2025 5:28:45 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 222523868 | [redacted] | [redacted |  | 32363042 |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-XX-06): Fraud report provided and cleared. | 1/XX/2025 6:01:52 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222523868 | [redacted] | [redacted |  | 32363045 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-XX-27): BPO provided and cleared. | 12/XX/2024 1:10:02 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222523868 | [redacted] | [redacted |  | 32363060 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.94525% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XX (an overage of $XX or 1.94525%). |  |  |  |  | Reviewer Comment (2025-XX-08): Waived |  |  | 1/XX/2025 2:55:51 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes |
| 222523868 | [redacted] | [redacted |  | 32367544 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing supporting documentation for $XXposit to [redacted] personal account on 9/XX/2024. |  |  |  | Reviewer Comment (2025-XX-06): Source of deposit provided and cleared. | 1/XX/2025 6:01:31 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222523868 | [redacted] | [redacted |  | 32367558 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Missing Divorce Decree/Child Support Order verifying Borrower's monthly obligation. |  |  |  | Reviewer Comment (2025-XX-06): CS order provided and cleared. | 1/XX/2025 6:01:16 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222523868 | [redacted] | [redacted |  | 32367627 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing supporting documentation for $XXposit to [redacted] personal account on 9/XX/2024. |  |  |  | Reviewer Comment (2025-XX-06): Source of deposit provided and cleared. | 1/XX/2025 6:03:32 PM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes |
| 222523868 | [redacted] | [redacted |  | 32367628 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing supporting documentation for $XXposit to [redacted] personal account on 9/XX/2024. |  |  |  | Reviewer Comment (2025-XX-06): Source of deposit provided and cleared. | 1/XX/2025 6:03:32 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222523868 | [redacted] | [redacted |  | 32367629 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing supporting documentation for $XXposit to [redacted] personal account on 9/XX/2024. |  |  |  | Reviewer Comment (2025-XX-06): Source of deposit provided and cleared. | 1/XX/2025 6:02:40 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222523869 | [redacted] | [redacted |  | 32366442 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-XX-27): BPO provided and cleared. | 12/XX/2024 1:14:43 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222523869 | [redacted] | [redacted |  | 32366461 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.10435% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX on a Federal Total Loan Amount of $XX. an investor allowable total of $XX (an overage of $XX1 or .10435%). |  |  |  |  | Reviewer Comment (2025-XX-08): Waived |  |  | 1/XX/2025 2:50:45 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes |
| 222523869 | [redacted] | [redacted |  | 32366463 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XX6 exceeds tolerance of $XX0 plus 10% or $XX0. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $XX0. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-XX-09): PCCD provided and cleared. | 1/XX/2025 2:41:09 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes |
| 222523869 | [redacted] | [redacted |  | 32366517 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | 3 months post-close PITIA required, latest zz statement in file shows lower balance than used on 1003. |  |  |  | Reviewer Comment (2025-XX-06): Updated statement provided and cleared. | 1/XX/2025 5:37:56 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222523869 | [redacted] | [redacted |  | 32366538 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall from reserves failure. 3 months post-close PITIA required, latest XX statement in file shows lower balance than used on 1003. |  |  |  | Reviewer Comment (2025-XX-08): Cleared with re grade | 1/XX/2025 2:50:29 PM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes |
| 222523869 | [redacted] | [redacted |  | 32366539 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall from reserves failure. 3 months post-close PITIA required, latest XX statement in file shows lower balance than used on 1003. |  |  |  | Reviewer Comment (2025-XX-08): Cleared with re grade | 1/XX/2025 2:50:29 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222523870 | [redacted] | [redacted |  | 32365090 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-XX-27): BPO provided and cleared. | 12/XX/2024 12:55:41 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Non QM | Non QM | No |
| 222523870 | [redacted] | [redacted |  | 32365146 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.89703% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XX (an overage of $XX or 1.89703%). | Points and Fees total $XX. an investor allowable total of $XX for an overage of $XX |  |  |  | Reviewer Comment (2025-XX-08): Waived |  |  | 1/XX/2025 2:55:51 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | A | A | B | B | D | A | Non QM | Non QM | Yes |
| 222523871 | [redacted] | [redacted |  | 32362569 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2024-XX-27): BPO provided and cleared. | 12/XX/2024 12:58:37 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 222523871 | [redacted] | [redacted |  | 32369995 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay – Bank Statement Guidelines Require 12 or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require 12 or more consecutive months bank statements. |  |  |  |  | Reviewer Comment (2025-XX-09): After further review, exception cleared. | 1/XX/2025 2:12:33 PM |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 222523871 | [redacted] | [redacted |  | 32375470 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated 9/XX/2024 missing evidence of receipt. Only appraisal notice in file dated 9/XX/24 vs. 9/XX/24 report date. |  |  |  | Reviewer Comment (2025-XX-09): After further review, exception cleared. | 1/XX/2025 2:12:33 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 222523871 | [redacted] | [redacted |  | 32375471 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated 9/XX/2024 missing evidence of receipt. Only appraisal notice in file dated 9/XX/24 vs. 9/XX/24 report date. |  |  |  | Reviewer Comment (2025-XX-09): After further review, exception cleared. | 1/XX/2025 2:12:33 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 222523871 | [redacted] | [redacted |  | 32375484 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | 4 months bank statements provided to support income is less than 12 months required per guidelines. |  |  |  | Reviewer Comment (2025-XX-09): After further review, exception cleared. | 1/XX/2025 2:12:33 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 222523871 | [redacted] | [redacted |  | 32375485 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. |  |  |  | Reviewer Comment (2025-XX-09): After further review, exception cleared. | 1/XX/2025 2:13:02 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 222523871 | [redacted] | [redacted |  | 32375486 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-XX-Repay (Dodd-Frank 2014): General Ability-XX-Repay requirements not satisfied. | The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. |  |  |  | Reviewer Comment (2025-XX-09): After further review, exception cleared. | 1/XX/2025 2:12:33 PM |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 222523871 | [redacted] | [redacted |  | 32375493 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.34255% or Final Disclosure APR of 10.56000% is equal to or greater than the threshold of APOR 6.15% + 1.5%, or 7.65000%. Non-Compliant Higher Priced Mortgage Loan. | Appraisal report dated 9/XX/2024 missing evidence of receipt. Only appraisal notice in file dated 9/XX/24 vs. 9/XX/24 report date. |  |  |  | Reviewer Comment (2025-XX-09): After further review, exception cleared. | 1/XX/2025 2:12:33 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 222523871 | [redacted] | [redacted |  | 32375494 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.01617% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX on a Federal Total Loan Amount of $XX. an investor allowable total of $XX (an overage of $XX or 1.01617%). | Points and Fees on subject loan of 4.01617% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX on a Federal Total Loan Amount of $XXndiscounted rate and price not provided. |  |  |  | Reviewer Comment (2025-XX-08): Waived |  |  | 1/XX/2025 2:55:51 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | C | B | C | B | D | A | Non QM | Non QM | Yes |
| 222523871 | [redacted] | [redacted |  | 32375495 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. |  |  |  | Reviewer Comment (2025-XX-09): After further review, exception cleared. | 1/XX/2025 2:12:33 PM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status | D | B | C | B | C | B | D | A | Non QM | Non QM | Yes |
| 222523871 | [redacted] | [redacted |  | 32375589 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing copy of xx loan statement or loan agreement to confirm $XX7 monthly payment included in DTI. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXBorrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-08): Client elected to re grade |  |  | 1/XX/2025 2:47:00 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 222523871 | [redacted] | [redacted |  | 32607384 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Only appraisal notice in file dated 9/XX/24, and only report in file dated 9/XX/24. In order to clear this level 2 exception we'll need the date the 9/XX/24 was received by borrower. |  |  |  | Reviewer Comment (2025-XX-01): Waived |  |  | 7/XX/2025 8:42:09 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 222523872 | [redacted] | [redacted |  | 32366057 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is approved on [redacted] month bank statements program. Borrower's account/funds for [redacted] different income streams are co-mingled into [redacted] business account. Need clarification on funds used for each borrower. |  |  |  | Reviewer Comment (2025-XX-06): Excel spreadsheet provided via email. | 1/XX/2025 6:40:34 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | B | B | D | A | Non QM | Non QM | No |
| 222523872 | [redacted] | [redacted |  | 32368962 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-XX-27): BPO provided and cleared. | 12/XX/2024 1:00:45 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | C | A | B | B | D | A | Non QM | Non QM | No |
| 222523872 | [redacted] | [redacted |  | 32374864 |  |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] Points and Fees | [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] % is in excess of the investor allowable maximum of [redacted] % of the [redacted] Total Loan Amount. Points and Fees total $XXacted] on a [redacted] Total Loan Amount of $XXacted] vs. an investor allowable total of $XXacted] (an overage of $XXacted] . | Points and Fees total $XXacted] vs. an investor allowable total of $XXacted] for an overage of $XXacted] |  |  |  | Reviewer Comment (2025-XX-08): Waived |  |  | 1/XX/2025 2:55:51 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | C | A | B | B | D | A | Non QM | Non QM | Yes |
| 222523872 | [redacted] | [redacted |  | 32374878 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted] was not provided. |  |  |  |  |  | Reviewer Comment (2025-XX-06): [Redacted] provided and cleared. | 1/XX/2025 6:41:58 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | B | B | D | A | Non QM | Non QM | No |
| 222523874 | [redacted] | [redacted |  | 32362819 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be [redacted] valuation is missing. Sec ID: [redacted] |  |  |  |  |  | Reviewer Comment (2024-XX-27): BPO provided and cleared. | 12/XX/2024 12:49:40 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | C | A | B | B | D | A | Non QM | Non QM | No |
| 222523874 | [redacted] | [redacted |  | 32362862 |  |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] Points and Fees | [redacted] Points and Fees Test. Points and Fees on subject loan of [redacted] % is in excess of the investor allowable maximum of [redacted] % of the [redacted] Total Loan Amount. Points and Fees total $XXacted] on a [redacted] Total Loan Amount of $XXacted] vs. an investor allowable total of [redacted] |  |  |  |  | Reviewer Comment (2025-XX-08): Waived |  |  | 1/XX/2025 2:55:51 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | C | A | B | B | D | A | Non QM | Non QM | Yes |
| 222523874 | [redacted] | [redacted |  | 32362884 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Homeowners Insurance premium lower than amount mentioned in [redacted] & Closing Disclosure |  |  |  | Reviewer Comment (2025-XX-06): Updated [redacted] policy received. | 1/XX/2025 5:53:33 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | B | B | D | A | Non QM | Non QM | No |
| 222734951 | [redacted] | [redacted |  | 32660839 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared.<br>Reviewer Comment (2025-XX-22): CDAs ordered.<br>Seller Comment (2025-XX-22): N/A - for lender | 1/XX/2025 1:13:54 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222734951 | [redacted] | [redacted |  | 32660869 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2025-XX-21): Provided and cleared.<br>Seller Comment (2025-XX-21): ITIN Letter uploaded 1/XX/2025 in 1. Required Docs>ID-ITIN folder. I have also uploaded it here also. | 1/XX/2025 7:01:47 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222734951 | [redacted] | [redacted |  | 32660908 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.89741% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XX (an overage of $XX or 1.89741%). |  |  |  |  | Reviewer Comment (2025-XX-23): Waived<br>Seller Comment (2025-XX-22): These Loans are NON QM and all our loans are HPML-how do we clear this?<br>Seller Comment (2025-XX-21): All of our loans are HPML. We will always go over. Loan Detail Report uploaded to show not HCML |  |  | 1/XX/2025 7:00:17 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes |
| 222734951 | [redacted] | [redacted |  | 32668616 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2024 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XX over disclosed by $XX8 compared to the calculated Amount Financed of $XXd the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 12/XX/2024). | Disclosed Amount Financed is $XXue Diligence Amount Financed is $XXhere is a variance of -$XX8. |  |  |  | Reviewer Comment (2025-XX-29): Cured<br>Seller Comment (2025-XX-28): PCCD with correct information, Compliance LOE, Cure Check, Proof of mailing: XX<br>Reviewer Comment (2025-XX-22): Title "service charges" are generally coordination or processing type fees that are not specifically related to issuance of title or preparation of loan-related documents such as deeds, mortgages, reconveyance or settlement documents, or other purposes that would qualify for exclusion from finance charge under 1026.4(c)(7). The service/processing type nature of the fee would put the fee more in line with a coordination or processing fee which are finance charges under 1026.4(a)(1) since the creditor required the use of the title company and the charge is not a charge that is excluded from finance charges under 1026.4(c)(7). |  | 1/XX/2025 7:40:54 AM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes |
| 222734951 | [redacted] | [redacted |  | 32668617 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2024 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XX under disclosed by $XX8 compared to the calculated Finance Charge of $XXich exceeds the $XX0 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 12/XX/2024). | Disclosed Finance Charge is $XXue Diligence Finance Charge is $XXhere is a variance of $XX8. |  |  |  | Reviewer Comment (2025-XX-29): Cured<br>Seller Comment (2025-XX-28): PCCD with correct information, Compliance LOE, Cure Check, Proof of mailing: XX<br>Reviewer Comment (2025-XX-22): Title "service charges" are generally coordination or processing type fees that are not specifically related to issuance of title or preparation of loan-related documents such as deeds, mortgages, reconveyance or settlement documents, or other purposes that would qualify for exclusion from finance charge under 1026.4(c)(7). The service/processing type nature of the fee would put the fee more in line with a coordination or processing fee which are finance charges under 1026.4(a)(1) since the creditor required the use of the title company and the charge is not a charge that is excluded from finance charges under 1026.4(c)(7).<br>Seller Comment (2025-XX-21): It seems you have counted Loan Servicing Fee pd to xx ($XX0) and E-Recording Fee paid to Title Co.($XX. They aren't part of APR. |  | 1/XX/2025 7:41:10 AM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes |
| 222734951 | [redacted] | [redacted |  | 32690950 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared.<br>Reviewer Comment (2025-XX-24): Valuation Received - 01/XX/2025 | 1/XX/2025 1:13:46 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222734952 | [redacted] | [redacted |  | 32669500 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax Certificate and Insurance verification is missing for REO property. |  |  |  | Reviewer Comment (2025-XX-23): Provided and cleared<br>Seller Comment (2025-XX-22): Departing Residence NO HOI LEO & Taxes-$XX9 paid<br>Seller Comment (2025-XX-22): HOI LOE & Paid Taxes for XX uploaded. Can be found in Folder 8. Financial Docs>VOR | 1/XX/2025 11:12:44 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222734952 | [redacted] | [redacted |  | 32669530 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | 1004 Valuation in file. A secondary valuation was not provided. |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared.<br>Reviewer Comment (2025-XX-22): CDAs ordered.<br>Seller Comment (2025-XX-22): N/A - Lender to clear | 1/XX/2025 1:22:41 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222734952 | [redacted] | [redacted |  | 32669535 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-XX-23): Provided and cleared<br>Seller Comment (2025-XX-22): Calendar showing delivery 3 days before closing. Appraisal Date: 12/XX/2024 Appraisal Delivery date: 12/XX/2024 (per email date) COE 1/XX/2025 | 1/XX/2025 11:14:42 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222734952 | [redacted] | [redacted |  | 32669536 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.72350% or Final Disclosure APR of 10.76800% is equal to or greater than the threshold of APOR 6.63% + 1.5%, or 8.13000%. Non-Compliant Higher Priced Mortgage Loan. | Waterfall from appraisal receipt failure. |  |  |  | Reviewer Comment (2025-XX-23): Provided and cleared<br>Seller Comment (2025-XX-22): NON QM LOAN-ALL OUR LOANS ARE HPML | 1/XX/2025 11:14:42 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222734952 | [redacted] | [redacted |  | 32669538 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. |  |  |  | Reviewer Comment (2025-XX-23): Provided and cleared<br>Seller Comment (2025-XX-22): See Appraisal Delivery date: 12/XX/2024<br>Seller Comment (2025-XX-22): Appraisal Delivery 12/XX/2024 COE 1/XX/2025 | 1/XX/2025 11:14:42 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222734952 | [redacted] | [redacted |  | 32669539 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.51240% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XX (an overage of $XX or 1.51240%). |  |  |  |  | Reviewer Comment (2025-XX-23): Waived<br>Seller Comment (2025-XX-22): NON QM Loan All our loans are HPML |  |  | 1/XX/2025 11:14:59 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes |
| 222734952 | [redacted] | [redacted |  | 32669541 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2025 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XX over disclosed by $XX compared to the calculated Amount Financed of $XXd the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 01/XX/2025). | Final Closing Disclosure provided on 01/XX/2025 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XX over disclosed by $XX compared to the calculated Amount Financed of $XXd the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate. |  |  |  | Reviewer Comment (2025-XX-29): Cured<br>Seller Comment (2025-XX-28): Receipt for mailing: XX, Cure Check, LOE, PCCD |  | 1/XX/2025 7:33:37 AM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes |
| 222734952 | [redacted] | [redacted |  | 32669542 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2025 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XX under disclosed by $XX compared to the calculated Finance Charge of $XXich exceeds the $XX0 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 01/XX/2025). | Final Closing Disclosure provided on 01/XX/2025 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XX under disclosed by $XX compared to the calculated Finance Charge of $XXich exceeds the $XX0 threshold. |  |  |  | Reviewer Comment (2025-XX-29): Cured<br>Seller Comment (2025-XX-28): Receipt for mailing: XX, Cure Check, LOE, PCCD |  | 1/XX/2025 7:33:54 AM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes |
| 222734952 | [redacted] | [redacted |  | 32690951 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-24): CDA provided and cleared.<br>Reviewer Comment (2025-XX-24): Valuation Received - 01/XX/2025 | 1/XX/2025 1:22:26 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222804413 | [redacted] | [redacted |  | 32807734 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-26): CDA provided and cleared.<br>Reviewer Comment (2025-XX-10): Assigned to buyer.<br>Seller Comment (2025-XX-10): Respectfully request PRP to address | 2/XX/2025 1:00:24 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222804413 | [redacted] | [redacted |  | 32807746 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage amount is $XXich does not include any additional coverage. The replacement cost new per Appraisal is $XXd the loan amount is $XXhere is no evidence of guaranteed or full replacement cost. |  |  |  | Reviewer Comment (2025-XX-10): Provided and cleared.<br>Seller Comment (2025-XX-10): RCE | 2/XX/2025 5:31:03 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222804413 | [redacted] | [redacted |  | 32807762 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | Reviewer Comment (2025-XX-24): Cleared with Updated CD<br>Seller Comment (2025-XX-24): PCCD w/ SC<br>Seller Comment (2025-XX-24): Per conversation with XX. Here is the PCCD showing the seller credit.<br>Reviewer Comment (2025-XX-17): Response from XX: <br> As for the high cost, and cures, I see the checks in file from title company, but these do not appear related to an attempted high cost cure. One is for $XX and dated at closing, and this credit for increase is reflected on the Final CD as well. In addition, while ok to provide, a corrected CD is not part of the required documents for HOEPA cures.<br>The HOEPA violation may be cured, within 30 days of consummation or 60 days of discovery, by providing the following:<br>(1) Signed letter from borrower indicating their choice to either (a) accept refund of $XXd make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;<br> (2) Assuming option (a) is selected, a copy of refund check and proof of mailing;<br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>Importantly for #1, the borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower (although most, if not all, elect to take the refund). 30 days from closing cure window expires 02/XX/25 and 60 days from discovery cure window expires 04/XX/25.<br>Now it is important to point out that although there is a cure mechanism available for the Federal HOEPA points and fees violation, there is no cure mechanism available for the Texas State high-cost points and fees violation under Chapter 343 of the Texas Finance Code. While the code defines a high-cost loan as the same as that defined in HOEPA, that is for purposes of determining what a high-cost is (i.e., rate and points & fees thresholds). As the code does not further provide any reference to a cure provision, TX high-cost loans are unable to be cured the same as DF HOEPA loans.<br>I do see there is a $XXler credit on page of the final CD. If they itemized this credit and have an itemization from closing, we could proceed with updating fees accordingly.<br>Seller Comment (2025-XX-14): CD UPLOADED<br>Seller Comment (2025-XX-14): FINAL CDxx<br>Reviewer Comment (2025-XX-14): Received letter to borrower dated 2/XX/25 that appears to have accompanied an updated CD, however the CD did not make it over. Please provide the CD that went with this letter (xx).<br>Seller Comment (2025-XX-13): Tracking # for XX<br>Seller Comment (2025-XX-13): Updated CD, LDR and checks to the borrower from Title. Title didn't see the updated CD until after borrower signed. We sent it for signature, it was signed and returned. Please re review.<br>Seller Comment (2025-XX-11): Check #2 from Title<br>Seller Comment (2025-XX-11): Check from Title<br>Seller Comment (2025-XX-11): LDR<br>Seller Comment (2025-XX-11): Please see updated LDR, CD and Checks to borrower from Title. Title didn't see updated CD until after borrower signed. We have sent it to borrower to have signed and received checks from check.<br>Reviewer Comment (2025-XX-10): HOPEA total loan amount $XXoints and Fees on subject loan of 5.02947% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $XX on a Total Loan Amount of $XX. an allowable total of $XX (an overage of $XX or .02947%). $XXler credit has not been broken down and cannot be applied to testing, please provide itemization.<br>Seller Comment (2025-XX-10): LDR shows Loan is not HCML<br>Seller Comment (2025-XX-10): LDR-Showing not HCML<br>Seller Comment (2025-XX-10): Loan Amount is $XXn is not HCML<br>Seller Comment (2025-XX-10): Final CD Loan Amount $XXSeller Comment (2025-XX-10): 3 DAY CD Loan Amount $XXSeller Comment (2025-XX-10): Locked LE $XXSeller Comment (2025-XX-10): Initial LE Loan amount XX | 2/XX/2025 3:28:29 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222804413 | [redacted] | [redacted |  | 32807763 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (2025-XX-24): Cleared with Updated CD<br>Reviewer Comment (2025-XX-17): Response from SAMC Compliance Mgmt: <br> As for the high cost, and cures, I see the checks in file from title company, but these do not appear related to an attempted high cost cure. One is for $XX and dated at closing, and this credit for increase is reflected on the Final CD as well. In addition, while ok to provide, a corrected CD is not part of the required documents for HOEPA cures.<br>The HOEPA violation may be cured, within 30 days of consummation or 60 days of discovery, by providing the following:<br>(1) Signed letter from borrower indicating their choice to either (a) accept refund of $XXd make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;<br> (2) Assuming option (a) is selected, a copy of refund check and proof of mailing;<br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>Importantly for #1, the borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower (although most, if not all, elect to take the refund). 30 days from closing cure window expires 02/XX/25 and 60 days from discovery cure window expires 04/XX/25.<br>Now it is important to point out that although there is a cure mechanism available for the Federal HOEPA points and fees violation, there is no cure mechanism available for the Texas State high-cost points and fees violation under Chapter 343 of the Texas Finance Code. While the code defines a high-cost loan as the same as that defined in HOEPA, that is for purposes of determining what a high-cost is (i.e., rate and points & fees thresholds). As the code does not further provide any reference to a cure provision, TX high-cost loans are unable to be cured the same as DF HOEPA loans.<br>I do see there is a $XXler credit on page of the final CD. If they itemized this credit and have an itemization from closing, we could proceed with updating fees accordingly.<br>Seller Comment (2025-XX-14): FINAL CD xx<br>Seller Comment (2025-XX-14): FINAL CD UPLOADED<br>Reviewer Comment (2025-XX-14): Received letter to borrower dated 2/XX/25 that appears to have accompanied an updated CD, however the CD did not make it over. Please provide the CD that went with this letter (D0384).<br>Seller Comment (2025-XX-13): Updated CD, LDR and checks to the borrower from Title. Title didn't see the updated CD until after borrower signed. We sent it for signature, it was signed and returned. Please re review.<br>Seller Comment (2025-XX-11): Please see updated LDR, CD and Checks to borrower from Title. Title didn't see updated CD until after borrower signed. We have sent it to borrower to have signed and received checks from check. | 2/XX/2025 3:28:29 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222804413 | [redacted] | [redacted |  | 32807764 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | Reviewer Comment (2025-XX-24): Cleared with Updated CD<br>Reviewer Comment (2025-XX-17): Response from SAMC Compliance Mgmt: <br> As for the high cost, and cures, I see the checks in file from title company, but these do not appear related to an attempted high cost cure. One is for $XX and dated at closing, and this credit for increase is reflected on the Final CD as well. In addition, while ok to provide, a corrected CD is not part of the required documents for HOEPA cures.<br>The HOEPA violation may be cured, within 30 days of consummation or 60 days of discovery, by providing the following:<br>(1) Signed letter from borrower indicating their choice to either (a) accept refund of $XXd make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;<br> (2) Assuming option (a) is selected, a copy of refund check and proof of mailing;<br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>Importantly for #1, the borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower (although most, if not all, elect to take the refund). 30 days from closing cure window expires 02/XX/25 and 60 days from discovery cure window expires 04/XX/25.<br>Now it is important to point out that although there is a cure mechanism available for the Federal HOEPA points and fees violation, there is no cure mechanism available for the Texas State high-cost points and fees violation under Chapter 343 of the Texas Finance Code. While the code defines a high-cost loan as the same as that defined in HOEPA, that is for purposes of determining what a high-cost is (i.e., rate and points & fees thresholds). As the code does not further provide any reference to a cure provision, TX high-cost loans are unable to be cured the same as DF HOEPA loans.<br>I do see there is a $XXler credit on page of the final CD. If they itemized this credit and have an itemization from closing, we could proceed with updating fees accordingly.<br>Seller Comment (2025-XX-14): FINAL UPLOADED CD XX CAL<br>Reviewer Comment (2025-XX-14): Received letter to borrower dated 2/XX/25 that appears to have accompanied an updated CD, however the CD did not make it over. Please provide the CD that went with this letter (XX).<br>Seller Comment (2025-XX-13): Updated CD, LDR and checks to the borrower from Title. Title didn't see the updated CD until after borrower signed. We sent it for signature, it was signed and returned. Please re review.<br>Seller Comment (2025-XX-11): Please see updated LDR, CD and Checks to borrower from Title. Title didn't see updated CD until after borrower signed. We have sent it to borrower to have signed and received checks from check.<br>Reviewer Comment (2025-XX-10): HOPEA total loan amount $XXoints and Fees on subject loan of 5.02947% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $XX on a Total Loan Amount of $XX. an allowable total of $XX (an overage of $XX or .02947%). $XXler credit has not been broken down and cannot be applied to testing, please provide itemization.<br>Seller Comment (2025-XX-10): LDR shows Loan is not HCML | 2/XX/2025 3:28:29 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222804413 | [redacted] | [redacted |  | 32807765 |  |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.03019% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $XX on a Federal Total Loan Amount of $XX. an allowable total of $XX (an overage of $XX or .03019%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-XX-24): Cleared with Updated CD<br>Reviewer Comment (2025-XX-17): Response from XX: <br> As for the high cost, and cures, I see the checks in file from title company, but these do not appear related to an attempted high cost cure. One is for $XX and dated at closing, and this credit for increase is reflected on the Final CD as well. In addition, while ok to provide, a corrected CD is not part of the required documents for HOEPA cures.<br>The HOEPA violation may be cured, within 30 days of consummation or 60 days of discovery, by providing the following:<br>(1) Signed letter from borrower indicating their choice to either (a) accept refund of $XXd make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;<br> (2) Assuming option (a) is selected, a copy of refund check and proof of mailing;<br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>Importantly for #1, the borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower (although most, if not all, elect to take the refund). 30 days from closing cure window expires 02/XX/25 and 60 days from discovery cure window expires 04/XX/25.<br>Now it is important to point out that although there is a cure mechanism available for the Federal HOEPA points and fees violation, there is no cure mechanism available for the Texas State high-cost points and fees violation under Chapter 343 of the Texas Finance Code. While the code defines a high-cost loan as the same as that defined in HOEPA, that is for purposes of determining what a high-cost is (i.e., rate and points & fees thresholds). As the code does not further provide any reference to a cure provision, TX high-cost loans are unable to be cured the same as DF HOEPA loans.<br>I do see there is a $XXler credit on page of the final CD. If they itemized this credit and have an itemization from closing, we could proceed with updating fees accordingly.<br>Seller Comment (2025-XX-14): FINAL UPLOADED CD XX OCH CAL<br>Reviewer Comment (2025-XX-14): Received letter to borrower dated 2/XX/25 that appears to have accompanied an updated CD, however the CD did not make it over. Please provide the CD that went with this letter (D0384).<br>Seller Comment (2025-XX-13): CORRECT LOE<br>Seller Comment (2025-XX-13): LOE<br>Seller Comment (2025-XX-13): Check # 2 $XX from Title, Check # 1 $XXom Title. Updated CD, LOE, LDR<br>Seller Comment (2025-XX-13): Updated CD, LDR and checks to the borrower from Title. Title didn't see the updated CD until after borrower signed. We sent it for signature, it was signed and returned. Please re review.<br>Seller Comment (2025-XX-11): Please see updated LDR, CD and Checks to borrower from Title. Title didn't see updated CD until after borrower signed. We have sent it to borrower to have signed and received checks from check.<br>Reviewer Comment (2025-XX-10): HOPEA total loan amount $XXoints and Fees on subject loan of 5.02947% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $XX on a Total Loan Amount of $XX. an allowable total of $XX (an overage of $XX or .02947%). $XXler credit has not been broken down and cannot be applied to testing, please provide itemization.<br>Seller Comment (2025-XX-10): LDR shows Loan is not HCML Loan amount is $XXSeller Comment (2025-XX-10): Loan is not HCML Loan amount is $XXSeller Comment (2025-XX-10): FINAL CD loan amount is $XXt $XXan is not HCML | 2/XX/2025 3:28:29 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes |
| 222804413 | [redacted] | [redacted |  | 32807766 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | Reviewer Comment (2025-XX-24): Cleared with Updated CD<br>Reviewer Comment (2025-XX-14): Received letter to borrower dated 2/XX/25 that appears to have accompanied an updated CD, however the CD did not make it over. Please provide the CD that went with this letter (D0384).<br>Seller Comment (2025-XX-11): Home buyer Education course uploaded in file 1/XX/2025. 7. Monitoring folder<br>Seller Comment (2025-XX-11): Home buyer Education course uploaded in file 1/XX/2025 | 2/XX/2025 3:28:29 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222804413 | [redacted] | [redacted |  | 32807767 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.88103% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX on a Federal Total Loan Amount of $XX. an investor allowable total of $XX (an overage of $XX or .88103%). |  |  |  |  | Reviewer Comment (2025-XX-25): Waived per clients guidance.<br>Reviewer Comment (2025-XX-24): EXCEPTION HISTORY - Exception Detail was updated on 02/XX/2025 PRIOR Exception Detail: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 5.03019% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX on a Federal Total Loan Amount of $XX. an investor allowable total of $XX (an overage of $XX or 2.03019%).<br>Reviewer Comment (2025-XX-10): Assigned to buyer.<br>Seller Comment (2025-XX-10): Respectfully request PRP be assigned |  |  | 3/XX/2025 11:23:49 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes |
| 222804413 | [redacted] | [redacted |  | 32807769 |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Texas High-Cost Loan (Points and Fees) | Texas Anti-Predatory Lending Statute: Points and Fees on subject loan of 5.03019% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $XX on a Total Loan Amount of $XX. an allowable total of $XX (an overage of $XX or .03019%). Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-XX-24): Cleared with Updated CD<br>Reviewer Comment (2025-XX-17): Response from SAMC Compliance Mgmt: <br> As for the high cost, and cures, I see the checks in file from title company, but these do not appear related to an attempted high cost cure. One is for $XX and dated at closing, and this credit for increase is reflected on the Final CD as well. In addition, while ok to provide, a corrected CD is not part of the required documents for HOEPA cures.<br>The HOEPA violation may be cured, within 30 days of consummation or 60 days of discovery, by providing the following:<br>(1) Signed letter from borrower indicating their choice to either (a) accept refund of $XXd make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;<br> (2) Assuming option (a) is selected, a copy of refund check and proof of mailing;<br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>Importantly for #1, the borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower (although most, if not all, elect to take the refund). 30 days from closing cure window expires 02/XX/25 and 60 days from discovery cure window expires 04/XX/25.<br>Now it is important to point out that although there is a cure mechanism available for the Federal HOEPA points and fees violation, there is no cure mechanism available for the Texas State high-cost points and fees violation under Chapter 343 of the Texas Finance Code. While the code defines a high-cost loan as the same as that defined in HOEPA, that is for purposes of determining what a high-cost is (i.e., rate and points & fees thresholds). As the code does not further provide any reference to a cure provision, TX high-cost loans are unable to be cured the same as DF HOEPA loans.<br>I do see there is a $XXler credit on page of the final CD. If they itemized this credit and have an itemization from closing, we could proceed with updating fees accordingly.<br>Seller Comment (2025-XX-14): FINAL UPLOADED CD XX XX CAL<br>Reviewer Comment (2025-XX-14): Received letter to borrower dated 2/XX/25 that appears to have accompanied an updated CD, however the CD did not make it over. Please provide the CD that went with this letter (XX).<br>Seller Comment (2025-XX-13): Updated CD, LDR and checks to the borrower from Title. Title didn't see the updated CD until after borrower signed. We sent it for signature, it was signed and returned. Please re review.<br>Seller Comment (2025-XX-11): Please see updated LDR, CD and Checks to borrower from Title. Title didn't see updated CD until after borrower signed. We have sent it to borrower to have signed and received checks from check.<br>Reviewer Comment (2025-XX-10): HOPEA total loan amount $XXoints and Fees on subject loan of 5.02947% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $XX on a Total Loan Amount of $XXllowable total of $XX (an overage of $XX or .02947%). $XXler credit has not been broken down and cannot be applied to testing, please provide itemization.<br>Seller Comment (2025-XX-10): Loan is not HCML | 2/XX/2025 3:28:29 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | No obvious cure | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222804413 | [redacted] | [redacted |  | 32810357 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Appraisal transfer letter is not provided |  |  |  | Reviewer Comment (2025-XX-10): Provided and cleared.<br>Seller Comment (2025-XX-10): Loan is not HCML | 2/XX/2025 5:36:17 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222804413 | [redacted] | [redacted |  | 32810560 |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Appraisal transfer letter is not provided |  |  |  | Reviewer Comment (2025-XX-10): Provided and cleared.<br>Seller Comment (2025-XX-10): Appraisal Transfer Letter uploaded<br>Seller Comment (2025-XX-10): Appraisal Transfer Letter from JSC to PMG | 2/XX/2025 5:36:33 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222804413 | [redacted] | [redacted |  | 32813984 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | Reviewer Comment (2025-XX-24): Cleared with Updated CD<br>Seller Comment (2025-XX-14): FINAL UPLOADED CD XX OCH CAL<br>Reviewer Comment (2025-XX-14): Received letter to borrower dated 2/XX/25 that appears to have accompanied an updated CD, however the CD did not make it over. Please provide the CD that went with this letter (XX).<br>Seller Comment (2025-XX-13): Updated CD, LDR and checks to the borrower from Title. Title didn't see the updated CD until after borrower signed. We sent it for signature, it was signed and returned. Please re review.<br>Seller Comment (2025-XX-11): Please see updated LDR, CD and Checks to borrower from Title. Title didn't see updated CD until after borrower signed. We have sent it to borrower to have signed and received checks from check.<br>Seller Comment (2025-XX-11): UPDATED LDR<br>Reviewer Comment (2025-XX-10): HOPEA total loan amount $XXoints and Fees on subject loan of 5.02947% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $XX on a Total Loan Amount of $XX. an allowable total of $XX (an overage of $XX or .02947%). $XXler credit has not been broken down and cannot be applied to testing, please provide itemization.<br>Seller Comment (2025-XX-10): LDR shows loan is not HCML loan | 2/XX/2025 3:28:29 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 222804413 | [redacted] | [redacted |  | 32922257 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-26): CDA provided and cleared.<br>Reviewer Comment (2025-XX-25): Valuation Received - 02/XX/2025 | 2/XX/2025 1:00:37 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Non QM | Non QM | No |
| 223002906 | [redacted] | [redacted |  | 33001343 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Operating Agreement to verify business ownership and Employer Identification Number missing for XX |  |  |  | Reviewer Comment (2025-XX-03): Provided and cleared | 4/XX/2025 9:53:23 AM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | MD | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 223002910 | [redacted] | [redacted |  | 33002228 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2025-XX-31): Provided | 3/XX/2025 11:39:24 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223002910 | [redacted] | [redacted |  | 33002234 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | Most Recent Valuation Inspection Date: 10/XX/2024 <br> Disaster End Date: [redacted]<br> Disaster Name: [redacted]<br> Disaster Declaration Date: [redacted] |  |  |  | Reviewer Comment (2025-XX-31): Cleared with PDI<br>Reviewer Comment (2025-XX-25): CDA ordered.<br>Buyer Comment (2025-XX-24): Please order PDI to clear | 3/XX/2025 11:34:43 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223002910 | [redacted] | [redacted |  | 33113786 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Post Disaster Inspection + ClearMap - 2 Days |  |  |  | Reviewer Comment (2025-XX-31): Cleared with PDI<br>Reviewer Comment (2025-XX-26): Valuation Received - 03/XX/2025 | 3/XX/2025 11:34:51 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223002912 | [redacted] | [redacted |  | 33001776 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | Most Recent Valuation Inspection Date: 10/XX/2024 <br> Disaster End Date: [redacted]<br> Disaster Name: [redacted]<br> Disaster Declaration Date: [redacted] |  |  |  | Reviewer Comment (2025-XX-31): Cleared with PDI<br>Reviewer Comment (2025-XX-25): CDA ordered.<br>Buyer Comment (2025-XX-24): Please order PDI to clear | 3/XX/2025 11:33:49 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223002912 | [redacted] | [redacted |  | 33113792 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Post Disaster Inspection + ClearMap - 2 Days |  |  |  | Reviewer Comment (2025-XX-31): Cleared with PDI<br>Reviewer Comment (2025-XX-27): Valuation Received - 03/XX/2025 | 3/XX/2025 11:33:55 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | NC | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223015773 | [redacted] | [redacted |  | 33030884 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.86721% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XX (an overage of $XX or 1.86721%). |  |  |  |  | Reviewer Comment (2025-XX-19): Informational level 2 Waived<br>Seller Comment (2025-XX-17): Please send to PRP to clear this condition |  |  | 3/XX/2025 8:52:44 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | A | A | B | B | D | A | Non QM | Non QM | Yes |
| 223015773 | [redacted] | [redacted |  | 33030913 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-19): CDA provided and cleared.<br>Reviewer Comment (2025-XX-19): Valuation ordered by Buyer<br>Seller Comment (2025-XX-17): Please send to PRP to clear condition | 3/XX/2025 10:29:35 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Non QM | Non QM | No |
| 223015773 | [redacted] | [redacted |  | 33082027 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-19): CDA provided and cleared.<br>Reviewer Comment (2025-XX-19): Valuation Received - 03/XX/2025 | 3/XX/2025 10:29:11 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Non QM | Non QM | No |
| 223015776 | [redacted] | [redacted |  | 33030368 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-20): CDA provided and cleared.<br>Reviewer Comment (2025-XX-19): Buyer is ordering<br>Seller Comment (2025-XX-17): Please ask PRP to clear this condition | 3/XX/2025 1:54:38 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223015776 | [redacted] | [redacted |  | 33030405 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of appraisal receipt 3 business days prior to close not provided. |  |  |  | Reviewer Comment (2025-XX-19): Provided appraisal receipt.<br>Seller Comment (2025-XX-17): Appraisal delivery was 2/25, and resent 2/26. Closing was 2/28-3 days prior | 3/XX/2025 9:08:53 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223015776 | [redacted] | [redacted |  | 33030406 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 10.50052% or Final Disclosure APR of 10.96500% is equal to or greater than the threshold of APOR 6.92% + 1.5%, or 8.42000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 10.50052% or Final Disclosure APR of 10.96500% is equal to or greater than the threshold of APOR 6.87% + 1.5%, or 8.37000%. Non-Compliant Higher Priced Mortgage Loan. Evidence of appraisal receipt 3 business days prior to close not provided. |  |  |  | Reviewer Comment (2025-XX-19): Provided appraisal receipt.<br>Seller Comment (2025-XX-17): Appraisal SentXX/XX<br> COE 2/28. Appraisal Delivery and TRID Calendar showing 3 days. | 3/XX/2025 9:08:53 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223015776 | [redacted] | [redacted |  | 33030407 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Evidence of appraisal receipt 3 business days prior to close not provided. |  |  |  | Reviewer Comment (2025-XX-19): Provided appraisal receipt.<br>Seller Comment (2025-XX-17): Appraisal sentXX/XX<br> closing 2/28. Provided is TRID calendar showing we are within 3 days. | 3/XX/2025 9:08:53 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223015776 | [redacted] | [redacted |  | 33030409 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.59057% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX on a Federal Total Loan Amount of $XX. an investor allowable total of $XX (an overage of $XX or 1.59057%). | Points and Fees on subject loan of 4.59057% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX on a Federal Total Loan Amount of $XX. an investor allowable total of $XX, an overage of $XX or 1.59057%. |  |  |  | Reviewer Comment (2025-XX-19): Informational level 2 Waived<br>Seller Comment (2025-XX-17): Please send to PRP to clear this condition |  |  | 3/XX/2025 9:09:34 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | A | A | C | B | D | A | Non QM | Non QM | Yes |
| 223015776 | [redacted] | [redacted |  | 33030421 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure issued 02/XX/2025 was signed and dated by Borrower 02/XX/2025. |  |  |  | Reviewer Comment (2025-XX-19): SitusAMC received CD dated 02/XX/2025<br>Seller Comment (2025-XX-18): Here is the CD signed on the sent and signed the 25th. I have also uploaded the COC and CD signed onXX/XX<br> decreasing Loan Amount.<br>Reviewer Comment (2025-XX-18): SitusAMC File Contains CD datedXX/XX<br> signed by borrower onXX/XX<br> which is within 3 days of the Closing date 02/XX/2025. In order to clear this exception, kindly provide evidence that borrower received the CD 3 days prior to closing date 02/XX/2025.<br>Seller Comment (2025-XX-17): Proof CD sent 3 days prior to closing. CD rule says it needs to be sent. Borrower doesn't have to sign it. | 3/XX/2025 3:35:18 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | No Defined Cure | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223015776 | [redacted] | [redacted |  | 33082030 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-20): CDA provided and cleared.<br>Reviewer Comment (2025-XX-20): Valuation Received - 03/XX/2025 | 3/XX/2025 1:54:24 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223015777 | [redacted] | [redacted |  | 33035625 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-19): CDA provided and cleared.<br>Reviewer Comment (2025-XX-19): Buyer ordering valuation<br>Seller Comment (2025-XX-17): Please request this from PRP to clear this condition | 3/XX/2025 10:34:55 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Non QM | Non QM | No |
| 223015777 | [redacted] | [redacted |  | 33035749 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Final report received by borrower 2/XX/25, not 3 business days prior to close. |  |  |  | Reviewer Comment (2025-XX-19): Informational level 2 Waived<br>Seller Comment (2025-XX-18): This was an internal correction. With Internal corrections we don't need to send to borrower. It didn't change the market value.<br>Seller Comment (2025-XX-17): Original Delivery wasXX/XX<br> COE wasXX/XX<br> The updated appraisal was 2/27. The Ack of Appraisal is signed by borrower. |  |  | 3/XX/2025 9:12:04 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Non QM | Non QM | No |
| 223015777 | [redacted] | [redacted |  | 33035753 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. | Final report received by borrower 2/XX/25, not 3 business days prior to close. |  |  |  | Reviewer Comment (2025-XX-19): Informational level 2 Waived<br>Seller Comment (2025-XX-18): This was an internal correction. With Internal corrections we don't need to send to borrower. It didn't change the market value.<br>Seller Comment (2025-XX-17): I can't find the rule about updated appraisals need to be 3 days prior, just original one. Can you send me CFPB rule so I can pass this on to our Team? |  |  | 3/XX/2025 9:12:12 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Non QM | Non QM | No |
| 223015777 | [redacted] | [redacted |  | 33082031 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-19): CDA provided and cleared.<br>Reviewer Comment (2025-XX-19): Valuation Received - 03/XX/2025 | 3/XX/2025 10:34:27 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Non QM | Non QM | No |
| 223015778 | [redacted] | [redacted |  | 33032075 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Appraisal in name of broker, not lender. Appraisal transfer letter not provided. |  |  |  | Reviewer Comment (2025-XX-19): Provided<br>Seller Comment (2025-XX-18): Appraisal Transfer Letter<br>Seller Comment (2025-XX-18): Here is the Appraisal Transfer Letter | 3/XX/2025 9:14:09 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 223015778 | [redacted] | [redacted |  | 33032076 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.81999% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XXn overage of $XX or .81999%). |  |  |  |  | Reviewer Comment (2025-XX-19): Informational level 2 Waived |  |  | 3/XX/2025 9:21:16 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | C | B | C | B | D | A | Non QM | Non QM | Yes |
| 223015778 | [redacted] | [redacted |  | 33032078 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Reviewer Comment (2025-XX-19): Updated provided<br>Seller Comment (2025-XX-18): Please see correct IEAD and LOE | 3/XX/2025 9:15:33 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | D | B | C | B | C | B | D | A | Non QM | Non QM | Yes |
| 223015778 | [redacted] | [redacted |  | 33032770 |  |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | Closing Disclosure issued 02/XX/2025 was signed and dated by Borrower as 02/XX/2024 instead of 02/XX/2025. |  |  |  | Reviewer Comment (2025-XX-19): OK to use closing statement signed by borrower in 2025.<br>Seller Comment (2025-XX-18): Can I get a LOE from Title proving he was there and he accidently signed 2024 instead of 2025. All the other docs in the closing package are signed with 2025 | 3/XX/2025 9:18:52 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 223015778 | [redacted] | [redacted |  | 33032865 |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Appraisal transfer letter is missing. |  |  |  | Reviewer Comment (2025-XX-19): Cleared<br>Seller Comment (2025-XX-18): Here is the signed Transfer Letter. Apologies I forgot to upload in the file. It has been uploaded now. | 3/XX/2025 9:17:13 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 223015778 | [redacted] | [redacted |  | 33032916 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | 1004 Appraisal in file. A secondary valuation was not located in file. |  |  |  | Reviewer Comment (2025-XX-19): CDA provided and cleared.<br>Reviewer Comment (2025-XX-19): Buyer ordering valuation<br>Seller Comment (2025-XX-18): Please request PRP clear this | 3/XX/2025 10:26:41 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 223015778 | [redacted] | [redacted |  | 33033084 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Loan amount is $XXhe Hazard Insurance coverage amount is $XXus $XXExtended coverage leaving a coverage short fall of $XXhe Replacement Cost Estimator is missing. |  |  |  | Reviewer Comment (2025-XX-19): RCE provided<br>Seller Comment (2025-XX-18): Please see RCE | 3/XX/2025 9:21:26 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 223015778 | [redacted] | [redacted |  | 33033092 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of 2.56 is less than Guideline PITIA 3 months post closing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXBorrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-19): Lender exception in file. Re grade comp factors<br>Seller Comment (2025-XX-17): See U/W comments on page 2 of FINAL 1008: Per 1008 Management Approved to close with 2 months reserves: compensating factors: LTV, DTI, and conservative income calculation approach. |  |  | 3/XX/2025 9:16:58 AM | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 223015778 | [redacted] | [redacted |  | 33033100 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due Points and Fees on subject loan of 3.81999% is in excess of the investor allowable maximum of 3.00000% and short assets. |  |  |  | Reviewer Comment (2025-XX-19): Cleared when regraded short assets due to lender exception in file.<br>Seller Comment (2025-XX-18): Please see Assets, UW notes, QM Findings | 3/XX/2025 9:20:48 AM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | C | B | C | B | D | A | Non QM | Non QM | Yes |
| 223015778 | [redacted] | [redacted |  | 33033101 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due Points and Fees on subject loan of 3.81999% is in excess of the investor allowable maximum of 3.00000% and short assets. |  |  |  | Reviewer Comment (2025-XX-19): Cleared when regraded short assets due to lender exception in file. | 3/XX/2025 9:20:48 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 223015778 | [redacted] | [redacted |  | 33082032 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-19): CDA provided and cleared.<br>Reviewer Comment (2025-XX-19): Valuation Received - 03/XX/2025 | 3/XX/2025 10:26:09 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | C | B | C | B | D | A | Non QM | Non QM | No |
| 223054156 | [redacted] | [redacted |  | 33078662 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-19): CDA provided and cleared. | 3/XX/2025 8:17:10 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223054156 | [redacted] | [redacted |  | 33078678 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | Reviewer Comment (2025-XX-27): Provided and cleared.<br>Seller Comment (2025-XX-27): PCCD | 3/XX/2025 5:26:12 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223054156 | [redacted] | [redacted |  | 33078679 |  |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.51869% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $XX on a Federal Total Loan Amount of $XX. an allowable total of $XX (an overage of $XX5 or .51869%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-XX-27): Provided and cleared.<br>Seller Comment (2025-XX-27): FINAL ALTA Statement from Title Company<br>Reviewer Comment (2025-XX-26): Response from SAMC Compliance Mgmt: The $XX5 was referenced as that is the amount of the fee overage over the HOEPA and TX 5% thresholds. We have the signed FSS in file showing that the borrower paid the $XXmitment fee/points, $XXigination fee and $XXerwriting fee, not the seller. This FSS shows how the fees were actually paid at closing. In order for us to consider clearing based on a party other than a borrower paying for these fees, or different fees, they will need to provide a corrected ALTA/FSS signed by the settlement agent as final.<br>Also please note while the HOEPA fee overage is curable using the details provided in 3/XX/25 SAMC comment, there is also a TX high cost violation. Note the TX high cost threshold exception would remain an EV3 given there does not appear to be a cure provision provided under Chapter 343 of the Texas Finance Code.<br>Seller Comment (2025-XX-25): QUESTION: Why $XX5? That is what came out of seller credit.<br>Reviewer Comment (2025-XX-24): Response from SAMC Compliance Mgmt: Trailing signed FSS shows the same 3 fees being included in the HOEPA test ($XXigination fee, $XXerwriting fee and $XXmitment fee (although showing as discount points on the FSS)) as being paid by borrower. This also indicates that the seller credit on page 3 of the CD was not for any specific fees at time of closing. It also shows the $XXler credit as an un-itemized lump sum credit. Since we have the FSS that was signed by both borrower and settlement agent showing the borrower paid the 3 fees, the HOEPA fee exception is valid.<br>To cure the HOEPA high cost exceptions, the following remediation components need to be completed by the cure deadline of 05/XX/2025 (60 days from discovery):<br>(1) Signed letter from borrower indicating their choice to either (a) accept refund of $XX5 and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;<br> (2) Assuming option (a) is selected, a copy of refund check and proof of mailing;<br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>Importantly for #1, the borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower (although most, if not all, elect to take the refund).<br>Seller Comment (2025-XX-24): Please see PCCD (signed by borrower showing s/c used for commitment fee), LDR (showing not HCML), ALTA statement signed by borrower using s/c for commitment fee | 3/XX/2025 5:26:12 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | D | B | A | A | C | B | D | A | Non QM | Non QM | Yes |
| 223054156 | [redacted] | [redacted |  | 33078680 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | Reviewer Comment (2025-XX-27): Provided and cleared.<br>Seller Comment (2025-XX-27): FINAL ALTA STATEMENT FROM TITLE COMPANY<br>Reviewer Comment (2025-XX-26): Response from SAMC Compliance Mgmt: The $XX5 was referenced as that is the amount of the fee overage over the HOEPA and TX 5% thresholds. We have the signed FSS in file showing that the borrower paid the $XXmitment fee/points, $XXigination fee and $XXerwriting fee, not the seller. This FSS shows how the fees were actually paid at closing. In order for us to consider clearing based on a party other than a borrower paying for these fees, or different fees, they will need to provide a corrected ALTA/FSS signed by the settlement agent as final.<br>Also please note while the HOEPA fee overage is curable using the details provided in 3/XX/25 SAMC comment, there is also a TX high cost violation. Note the TX high cost threshold exception would remain an EV3 given there does not appear to be a cure provision provided under Chapter 343 of the Texas Finance Code.<br>Seller Comment (2025-XX-25): The exception detail is borrower didn't receive pre loan counseling. Borrower took 4 hour long on line course. XX Cert dated 7/XX/2024.<br>Reviewer Comment (2025-XX-24): Response from SAMC Compliance Mgmt: Trailing signed FSS shows the same 3 fees being included in the HOEPA test ($XXigination fee, $XXerwriting fee and $XXmitment fee (although showing as discount points on the FSS)) as being paid by borrower. This also indicates that the seller credit on page 3 of the CD was not for any specific fees at time of closing. It also shows the $XXler credit as an un-itemized lump sum credit. Since we have the FSS that was signed by both borrower and settlement agent showing the borrower paid the 3 fees, the HOEPA fee exception is valid.<br>To cure the HOEPA high cost exceptions, the following remediation components need to be completed by the cure deadline of 05/XX/2025 (60 days from discovery):<br>(1) Signed letter from borrower indicating their choice to either (a) accept refund of $XX5 and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;<br> (2) Assuming option (a) is selected, a copy of refund check and proof of mailing;<br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>Importantly for #1, the borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower (although most, if not all, elect to take the refund).<br>Seller Comment (2025-XX-24): Home Counseling completed 7/XX/2024 | 3/XX/2025 5:26:12 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223054156 | [redacted] | [redacted |  | 33078681 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 5.51869% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX on a Federal Total Loan Amount of $XX. an investor allowable total of $XX (an overage of $XX or 2.51869%). |  |  |  |  | Reviewer Comment (2025-XX-24): Waived per client guidance.<br>Seller Comment (2025-XX-24): Requesting PRP clear this condition<br>Seller Comment (2025-XX-24): Please see PCCD (signed by borrower showing s/c used for commitment fee), LDR (showing not HCML), ALTA statement signed by borrower using s/c for commitment fee |  |  | 3/XX/2025 4:55:02 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | A | A | C | B | D | A | Non QM | Non QM | Yes |
| 223054156 | [redacted] | [redacted |  | 33078682 |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Texas High-Cost Loan (Points and Fees) | Texas Anti-Predatory Lending Statute: Points and Fees on subject loan of 5.51869% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $XX on a Total Loan Amount of $XX. an allowable total of $XX (an overage of $XX5 or .51869%). Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2025-XX-27): Provided and cleared.<br>Seller Comment (2025-XX-27): FINAL ALTA Statement from Title Company<br>Reviewer Comment (2025-XX-24): Response from SAMC Compliance Mgmt: Trailing signed FSS shows the same 3 fees being included in the HOEPA test ($XXigination fee, $XXerwriting fee and $XXmitment fee (although showing as discount points on the FSS)) as being paid by borrower. This also indicates that the seller credit on page 3 of the CD was not for any specific fees at time of closing. It also shows the $XXler credit as an un-itemized lump sum credit. Since we have the FSS that was signed by both borrower and settlement agent showing the borrower paid the 3 fees, the HOEPA fee exception is valid.<br>To cure the HOEPA high cost exceptions, the following remediation components need to be completed by the cure deadline of 05/XX/2025 (60 days from discovery):<br>(1) Signed letter from borrower indicating their choice to either (a) accept refund of $XX5 and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;<br> (2) Assuming option (a) is selected, a copy of refund check and proof of mailing;<br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>Importantly for #1, the borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower (although most, if not all, elect to take the refund).<br>Seller Comment (2025-XX-24): Please see PCCD (signed by borrower showing s/c used for commitment fee), LDR (showing not HCML), ALTA statement signed by borrower using s/c for commitment fee | 3/XX/2025 5:26:12 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | No obvious cure | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223054156 | [redacted] | [redacted |  | 33078709 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | Reviewer Comment (2025-XX-27): Provided and cleared.<br>Seller Comment (2025-XX-27): FINAL ALTA Statement from Title Company<br>Reviewer Comment (2025-XX-26): Letter can be signed electronically. <br> Also please note while the HOEPA fee overage is curable using the details provided in 3/XX/25 SAMC comment, there is also a TX high cost violation. Note the TX high cost threshold exception would remain an EV3 given there does not appear to be a cure provision provided under Chapter 343 of the Texas Finance Code.<br>Seller Comment (2025-XX-25): Can the letter be electronically signed?<br>Reviewer Comment (2025-XX-24): Response from SAMC Compliance Mgmt: Trailing signed FSS shows the same 3 fees being included in the HOEPA test ($XXigination fee, $XXerwriting fee and $XXmitment fee (although showing as discount points on the FSS)) as being paid by borrower. This also indicates that the seller credit on page 3 of the CD was not for any specific fees at time of closing. It also shows the $XXler credit as an un-itemized lump sum credit. Since we have the FSS that was signed by both borrower and settlement agent showing the borrower paid the 3 fees, the HOEPA fee exception is valid.<br>To cure the HOEPA high cost exceptions, the following remediation components need to be completed by the cure deadline of 05/XX/2025 (60 days from discovery):<br>(1) Signed letter from borrower indicating their choice to either (a) accept refund of $XX5 and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant;<br> (2) Assuming option (a) is selected, a copy of refund check and proof of mailing;<br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>Importantly for #1, the borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower (although most, if not all, elect to take the refund).<br>Seller Comment (2025-XX-24): Please see PCCD (signed by borrower showing s/c used for commitment fee), LDR (showing not HCML), ALTA statement signed by borrower using s/c for commitment fee | 3/XX/2025 5:26:12 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223054156 | [redacted] | [redacted |  | 33078710 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (2025-XX-27): Provided and cleared. | 3/XX/2025 5:26:12 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223054156 | [redacted] | [redacted |  | 33082033 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  |  |  |  |  | Reviewer Comment (2025-XX-19): CDA provided and cleared.<br>Reviewer Comment (2025-XX-19): Valuation Received - 03/XX/2025 | 3/XX/2025 8:16:34 PM |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223129678 | [redacted] | [redacted |  | 33142587 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-02): CDA provided, exception cleared.<br>Reviewer Comment (2025-XX-01): CDA ordered.<br>Seller Comment (2025-XX-01): Please request PRP order | 4/XX/2025 3:55:39 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Non QM | Non QM | No |
| 223129678 | [redacted] | [redacted |  | 33142996 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.99229% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX on a Federal Total Loan Amount of $XX. an investor allowable total of $XX (an overage of $XX or 1.99229%). |  |  |  |  | Reviewer Comment (2025-XX-01): Waived per client guidance.<br>Seller Comment (2025-XX-01): Please request PRP clear this condition |  |  | 4/XX/2025 12:33:32 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | A | A | B | B | D | A | Non QM | Non QM | Yes |
| 223129678 | [redacted] | [redacted |  | 33149330 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Only appraisal notice in file dated 2/XX/25 vs. 2/XX/25 report date. |  |  |  | Reviewer Comment (2025-XX-01): Waived per client guidance.<br>Seller Comment (2025-XX-01): Appraisal date 2/XX/2025 delivery date 2/XX/2024 ordered 1/XX/2025 |  |  | 4/XX/2025 12:33:40 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Non QM | Non QM | No |
| 223129678 | [redacted] | [redacted |  | 33152829 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-02): CDA provided, exception cleared.<br>Reviewer Comment (2025-XX-02): Valuation Received - 04/XX/2025 | 4/XX/2025 3:55:32 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Non QM | Non QM | No |
| 223129680 | [redacted] | [redacted |  | 33139699 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-02): CDA provided, exception cleared.<br>Reviewer Comment (2025-XX-01): CDA ordered.<br>Seller Comment (2025-XX-01): Please request PRP to order | 4/XX/2025 3:51:05 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223129680 | [redacted] | [redacted |  | 33139715 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.90623% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XX (an overage of $XX or 1.90623%). |  |  |  |  | Reviewer Comment (2025-XX-01): Waived per client guidance.<br>Seller Comment (2025-XX-01): Please request PRP clear this condition |  |  | 4/XX/2025 12:34:26 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | A | A | C | B | D | A | Non QM | Non QM | Yes |
| 223129680 | [redacted] | [redacted |  | 33139723 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $XX0 exceeds tolerance of $XXufficient or no cure was provided to the borrower. | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (2025-XX-01): After further review, exception cleared.<br>Seller Comment (2025-XX-01): The Processing Fee was on Initial LE, Locked LE, 3 day CD, and FINAL CD Section A $XXnd it was counted in APR. | 4/XX/2025 12:35:32 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Non QM | Non QM | Yes |
| 223129680 | [redacted] | [redacted |  | 33152831 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-02): CDA provided, exception cleared.<br>Reviewer Comment (2025-XX-02): Valuation Received - 04/XX/2025 | 4/XX/2025 3:51:15 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Non QM | Non QM | No |
| 223129681 | [redacted] | [redacted |  | 33145497 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-02): CDA provided and cleared.<br>Reviewer Comment (2025-XX-01): CDA ordered, other exceptions re: reserves have been cleared.<br>Seller Comment (2025-XX-01): Assets: FTC#xx $XX xx $XX xx $XX xx Value: $XXTAL: $XXEDED: $XXease note we have in our guidelines that if a borrower has 2 months reserves we will allow them to use a free and clear vehicle for 1 month reserves.<br>Reviewer Comment (2025-XX-01): CDA has been ordered.<br>Seller Comment (2025-XX-01): Please request xx to order | 4/XX/2025 3:14:14 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| 223129681 | [redacted] | [redacted |  | 33146528 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR risk due to reserves shortfall, guidelines require 3 months. |  |  |  | Reviewer Comment (2025-XX-01): After further review, exception cleared.<br>Seller Comment (2025-XX-01): Assets: FTC#xx $XX xx $XX xx $XX Value: $XXTAL: $XXEDED: $XXease note we have in our guidelines that if a borrower has 2 months reserves we will allow them to use a free and clear vehicle for 1 month reserves.<br>Reviewer Comment (2025-XX-01): 1008 already in file, please provide additional assets to meet guideline reserves requirement. Exception remains.<br>Seller Comment (2025-XX-01): QM Report | 4/XX/2025 3:28:30 PM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes |
| 223129681 | [redacted] | [redacted |  | 33150716 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | 2.14 months reserves is less than 3 months required. |  |  |  | Reviewer Comment (2025-XX-01): After further review, exception cleared.<br>Seller Comment (2025-XX-01): Assets: FTC#xx $XX xx $XX xx $XX Value: $XXTAL: $XXEDED: $XXase note we have in our guidelines that if a borrower has 2 months reserves we will allow them to use a free and clear vehicle for 1 month reserves.<br>Reviewer Comment (2025-XX-01): 1008 already in file, please provide additional assets to meet guideline reserves requirement. Exception remains.<br>Seller Comment (2025-XX-01): Please see FINAL 1008 | 4/XX/2025 3:26:08 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| 223129681 | [redacted] | [redacted |  | 33150770 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | PITIA reserve requirement not met. 2.14 months reserves is less than 3 months required. |  |  |  | Reviewer Comment (2025-XX-01): After further review, exception cleared.<br>Seller Comment (2025-XX-01): Assets: FTC#xx $XX xx $XX xx $XXx Value: $XXTAL: $XXEDED: $XXease note we have in our guidelines that if a borrower has 2 months reserves we will allow them to use a free and clear vehicle for 1 month reserves.<br>Reviewer Comment (2025-XX-01): 1008 already in file, please provide additional assets to meet guideline reserves requirement. Exception remains.<br>Seller Comment (2025-XX-01): Please see FINAL 1008 showing 3 months reserves | 4/XX/2025 3:28:30 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| 223129681 | [redacted] | [redacted |  | 33152833 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-02): CDA provided and cleared.<br>Reviewer Comment (2025-XX-02): Valuation Received - 04/XX/2025 | 4/XX/2025 3:14:05 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| 223184961 | [redacted] | [redacted |  | 33181317 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing the OFAC Report for the Entity. |  |  |  | Reviewer Comment (2025-XX-28): OFAC provided<br>Buyer Comment (2025-XX-27): Please provide status<br>Buyer Comment (2025-XX-25): Uploaded OFAC entity search | 3/XX/2025 6:18:59 PM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | PA | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 223184961 | [redacted] | [redacted |  | 33181319 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requesting exception for appraisal value of $XXuse was purchased 4/2024 for $XX,000 was put into the house per a paid invoice but proof of funds is not obtainable. This totals $XXr a value. Requesting to use the Appraisal value of $XXmpensating factors include Post closing reserves greater than 12 Months and Experienced Investor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months | Originator Pre-Close,SitusAMC | Reviewer Comment (2025-XX-24): Client elects to waive with compensating factors. |  |  | 3/XX/2025 10:17:45 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 223260410 | [redacted] | [redacted |  | 33278192 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five (5) business days of application. | Disclosure provided is dated the same day as closing. Please provide initial disclosure, dated within 5 business days of application. |  |  |  | Reviewer Comment (2025-XX-10): clear<br>Buyer Comment (2025-XX-06): see attached requested document<br>Buyer Comment (2025-XX-06): attached requested doc<br>Buyer Comment (2025-XX-06): Attached find the requested form signed by borrower. | 3/XX/2025 9:43:21 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | OH | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260410 | [redacted] | [redacted |  | 33278193 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Missing Ohio CSPA TNB Worksheet. |  |  |  | Reviewer Comment (2025-XX-26): Waived at client request.<br>Buyer Comment (2025-XX-26): Good morning, Situs please accept this request to waive the exception grade to a 2 due to the following compensating factors as follows:<br> Borrower has a mid fico score of 40+ points over the minimum required for this program/product. Borrowers LTV is super low at 63% lower than the max permitted for this product. Borrower has no bk's or foreclosures. Borrower has 7+ mths of verified reserves over and above the cash back received @ closing. Thank you. |  |  | 3/XX/2025 11:10:48 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260410 | [redacted] | [redacted |  | 33278194 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.79190% or Final Disclosure APR of 8.85300% is equal to or greater than the threshold of APOR 7.07% + 1.5%, or 8.57000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2025-XX-25): Clear<br>Buyer Comment (2025-XX-21): confirmation attached | 3/XX/2025 7:12:35 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OH | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260410 | [redacted] | [redacted |  | 33278195 |  |  | Compliance | Compliance | Federal Compliance | Compliance | Federal HPML Appraisal - CDFI Not Exempt | TILA HPML Appraisal Rule (Dodd-Frank 2014): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under 1026.35(c)(2) due to loan failing one or more of the QM requirements under 1026.43(c)(2)(i)-(iii) or (vi) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. |  |  |  |  | Reviewer Comment (2025-XX-25): Clear<br>Buyer Comment (2025-XX-21): confirmation attached | 3/XX/2025 7:12:35 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | OH | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260410 | [redacted] | [redacted |  | 33278196 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | File is missing evidence of the preliminary appraisal dated 11/XX/2024 being received by borrower at least 3 business days prior to consummation. |  |  |  | Reviewer Comment (2025-XX-25): Clear<br>Buyer Comment (2025-XX-21): confirmation attached<br>Reviewer Comment (2025-XX-10): Appraisal letter is not signed and/or dated.<br>Buyer Comment (2025-XX-06): Attached find the letter from xx transferring theXX/XX<br> appraisal to us. This is sufficient proof it was provided to the borrower in the time required. Please clear. Thank you | 3/XX/2025 7:12:35 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OH | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260411 | [redacted] | [redacted |  | 33278198 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.76567% or Final Disclosure APR of 8.80000% is equal to or greater than the threshold of APOR 6.92% + 1.5%, or 8.42000%. Non-Compliant Higher Priced Mortgage Loan. | Loan is non-compliance HPML due to missing evidence of appraisal delivery three days prior to closing. |  |  |  | Reviewer Comment (2025-XX-25): Clear<br>Buyer Comment (2025-XX-21): confirmation uploaded | 3/XX/2025 7:18:40 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | B | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260411 | [redacted] | [redacted |  | 33278199 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-XX-25): Clear<br>Buyer Comment (2025-XX-21): see attached confirmation<br>Reviewer Comment (2025-XX-10): The document provided is not proof of delivery of the appraisal. It is terms of delivery.<br>Buyer Comment (2025-XX-06): Proof of Appraisal Delivery to borrower. | 3/XX/2025 7:18:40 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | B | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260411 | [redacted] | [redacted |  | 33278201 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure 02/XX/2025 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller CD is missing from the file. |  |  |  | Reviewer Comment (2025-XX-07): SitusAMC received Seller CD.<br>Buyer Comment (2025-XX-06): Attached is final SS showing seller fees. | 3/XX/2025 4:30:56 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | B | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260411 | [redacted] | [redacted |  | 33278203 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary title policy amount is missing in Preliminary Title. |  |  |  | Reviewer Comment (2025-XX-05): clear<br>Buyer Comment (2025-XX-03): Please find Title supplement reflecting the loan amount attached. Thank you. | 3/XX/2025 8:50:12 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | C | A | B | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260479 | [redacted] | [redacted |  | 33278559 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 09/XX/2024 | SitusAMC,Originator | Reviewer Comment (2024-XX-16): Property inspected post-disaster reflecting no damage; however, pre-disaster declaration end date.<br>Buyer Comment (2024-XX-12): Please waive to EV2, appraisal effective date of 11/XX/2024 was completed CDA dated 11/XX/2024, which is after the disaster date, no damage. Thank you. |  |  | 12/XX/2024 2:16:03 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | NC | Primary | Purchase |  | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260479 | [redacted] | [redacted |  | 33278560 |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Initial 1003 not provided. Required for each borrower. |  |  |  | Reviewer Comment (2024-XX-16): Received<br>Buyer Comment (2024-XX-12): Please find attached executed 1003. Thank you. | 12/XX/2024 2:18:30 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NC | Primary | Purchase |  | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260479 | [redacted] | [redacted |  | 33278562 |  |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  | Reviewer Comment (2025-XX-07): Cleared.<br>Buyer Comment (2025-XX-07): see attached esummary and arm disclosure<br>Reviewer Comment (2024-XX-16): This is a compliance condition relating to the timing of the ARM disclosure to borrower and cannot be waived. Need evidence the ARM disclosure was provided to borrowers within 3 business days of application date of 11/XX/2024.<br>Buyer Comment (2024-XX-12): Please waive to EV2, appraisal effective date of 11/XX/2024 was completed CDA dated 11/XX/2024, which is after the disaster date, no damage. Thank you. | 1/XX/2025 1:57:57 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Primary | Purchase | No Defined Cure | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260481 | [redacted] | [redacted |  | 33278574 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved at origination for only having one tradeline with activity in the last 90 days and reporting for only 19 months. Comp factors 15.53 months reserves, 694 FICO, 64.011% LTV | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XX. | Reserves: 17.22<br> Guideline Requirement: 9.00<br>Borrower's Own Funds Percent: 52.14%<br> Borrower's Own Funds Amount: $XX | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2024-XX-12): Client elects to waive with compensating factors. |  |  | 12/XX/2024 10:34:52 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | SC | Primary | Purchase |  | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260482 | [redacted] | [redacted |  | 33278581 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2024-XX-19): SitusAMC received initial CD.<br>Buyer Comment (2024-XX-18): 12/XX-Upload CD | 12/XX/2024 5:31:40 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CT | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260495 | [redacted] | [redacted |  | 33278667 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XX5 exceeds tolerance of $XXficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XX5 exceeds tolerance of $XXicient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-XX-13): Sufficient Cure Provided At Closing |  | 12/XX/2024 10:33:27 AM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| 223260497 | [redacted] | [redacted |  | 33278683 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-XX-29): SitusAMC received proof of receipt. | 1/XX/2025 3:16:49 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260500 | [redacted] | [redacted |  | 33278707 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 12/XX/2024 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation |  |  |  |  | Reviewer Comment (2025-XX-02): SitusAMC received disclosures summary for receipt of CD dated XX/XX.<br>Buyer Comment (2025-XX-02): 01/XX-E Sign<br>Reviewer Comment (2024-XX-30): Please provide verification of borrower receipt date for XX/XCD.<br>Buyer Comment (2024-XX-28): 12/28-Lock<br>Reviewer Comment (2024-XX-20): Mail box rule would indicate XX/XCD, which shows an increase in APR beyond tolerance requiring a three day waiting period, was not received untilXX/XX<br> Consummation took place on XX/Xor less than three business days from receipt date. Proof of earlier receipt is required otherwise exception is timing error and not curable.<br>Buyer Comment (2024-XX-19): 12/XX-COC | 1/XX/2025 10:21:25 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase | TRID timing exception, no remediation available. | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260500 | [redacted] | [redacted |  | 33278710 |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Evidence the borrower living rent free not in file. |  |  |  | Reviewer Comment (2024-XX-24): Received<br>Buyer Comment (2024-XX-20): rent free email<br>Buyer Comment (2024-XX-20): personal contact info<br>Buyer Comment (2024-XX-20): rent free housing | 12/XX/2024 1:10:08 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260526 | [redacted] | [redacted |  | 33278866 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence [redacted] Lien | TRID Final Closing Disclosure [redacted] on a [redacted] lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | Seller Closing Disclosure is missing in file. |  |  |  | Reviewer Comment (2025-XX-10): Seller Cd received.<br>Buyer Comment (2025-XX-06): [redacted]-Upload Settlement Statements for Borrower/Seller | 2/XX/2025 8:30:15 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | B | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| 223260526 | [redacted] | [redacted |  | 33278868 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender approved exception at origination to exceed maximum LTV of [redacted]% per guidelines. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $XXcted].<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and $XXacted] .<br>The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [redacted]points. | Documentation Type: [redacted]<br> Disposable Income: $XXacted]<br>DTI: [redacted]% <br> Guideline Maximum DTI: [redacted]%<br>[redacted]FICO; [redacted]guideline minimum. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC,Originator Pre-Close | Reviewer Comment (2025-XX-10): Waived with compensating factors per lender exception approval at origination. |  |  | 2/XX/2025 8:26:32 AM | 2 |  | B |  | B |  | B |  | B |  | B |  | TX | Primary | Purchase |  | C | B | A | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260531 | [redacted] | [redacted |  | 33278897 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | Reviewer Comment (2025-XX-18): Clear.<br>Buyer Comment (2025-XX-17): Disaster Cert uploaded, no damage, please clear. Thank you. | 2/XX/2025 6:48:44 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | D | B | D | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260531 | [redacted] | [redacted |  | 33278898 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds discrepancy. | Calculated borrower's own funds of ___ is less than Guideline required borrower's own funds of ___. | Borrower is short the first 4 months of PITIA reserves of own eligible funds. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 720<br> Representative FICO: 785 | Originator,SitusAMC | Reviewer Comment (2025-XX-14): Waived with compensating factors per lender exception request.<br>Buyer Comment (2025-XX-12): Please the waive this condition to an exception grade of 2 due to the following compensating factors:<br> Borrowers fico score is 40+ points over the minimum required for this program/product. Borrowers ltv is less than the max permitted for this program/product.<br> Borrower has verified reserves of 2.90 mths of piti. Borrower has excellent with no bk's or foreclosures. Thank you.<br>Reviewer Comment (2025-XX-06): Borrower is required to have 4 months of reserves from his/her own funds. He needs to verify $XX.68 from his/her own account.<br>Buyer Comment (2025-XX-06): Please note the cash back to Borrower more than covers the required mths of piti. Borrower received in excess of $XX closing. Please clear. Thank you. |  |  | 3/XX/2025 8:37:23 AM | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Cash-out - Other |  | D | B | D | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260531 | [redacted] | [redacted |  | 33278899 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided |  | The file is missing the loan application for co-borrower. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 720<br> Representative FICO: 785 | Originator,SitusAMC | Reviewer Comment (2025-XX-14): Waived with compensating factors per lender exception request.<br>Buyer Comment (2025-XX-12): Please the waive this condition to an exception grade of 2 due to the following compensating factors:<br> Borrowers fico score is 40+ points over the minimum required for this program/product. Borrowers ltv is less than the max permitted for this program/product.<br> Borrower has verified reserves of 2.90 mths of piti. Borrower has excellent with no bk's or foreclosures. Thank you. |  |  | 3/XX/2025 8:37:34 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | D | B | D | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260531 | [redacted] | [redacted |  | 33278900 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | The file is missing the loan application for co-borrower. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 720<br> Representative FICO: 785 | Originator,SitusAMC | Reviewer Comment (2025-XX-14): Waived with compensating factors per lender exception request.<br>Buyer Comment (2025-XX-12): Please the waive this condition to an exception grade of 2 due to the following compensating factors:<br> Borrowers fico score is 40+ points over the minimum required for this program/product. Borrowers ltv is less than the max permitted for this program/product.<br> Borrower has verified reserves of 2.90 mths of piti. Borrower has excellent with no bk's or foreclosures. Thank you. |  |  | 3/XX/2025 8:37:44 AM | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Cash-out - Other |  | D | B | D | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260531 | [redacted] | [redacted |  | 33278901 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | The file is missing the loan application for co-borrower. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 720<br> Representative FICO: 785 | Originator,SitusAMC | Reviewer Comment (2025-XX-14): Waived with compensating factors per lender exception request.<br>Buyer Comment (2025-XX-12): Please the waive this condition to an exception grade of 2 due to the following compensating factors:<br> Borrowers fico score is 40+ points over the minimum required for this program/product. Borrowers ltv is less than the max permitted for this program/product.<br> Borrower has verified reserves of 2.90 mths of piti. Borrower has excellent with no bk's or foreclosures. Thank you. |  |  | 3/XX/2025 8:37:56 AM | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Cash-out - Other |  | D | B | D | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260531 | [redacted] | [redacted |  | 33278902 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through property taxes (e.g., the Property Assessed Clean Energy Program)? reflects neither Yes nor No. Unable to determine eligibility without this information. |  | The file is missing the loan application for co-borrower. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 720<br> Representative FICO: 785 | Originator,SitusAMC | Reviewer Comment (2025-XX-14): Waived with compensating factors per lender exception request.<br>Buyer Comment (2025-XX-12): Please the waive this condition to an exception grade of 2 due to the following compensating factors:<br> Borrowers fico score is 40+ points over the minimum required for this program/product. Borrowers ltv is less than the max permitted for this program/product.<br> Borrower has verified reserves of 2.90 mths of piti. Borrower has excellent with no bk's or foreclosures. Thank you. |  |  | 3/XX/2025 8:38:10 AM | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Cash-out - Other |  | D | B | D | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260531 | [redacted] | [redacted |  | 33278903 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | The file is missing the loan application for co-borrower. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 720<br> Representative FICO: 785 | Originator,SitusAMC | Reviewer Comment (2025-XX-14): Waived with compensating factors per lender exception request.<br>Buyer Comment (2025-XX-12): Please the waive this condition to an exception grade of 2 due to the following compensating factors:<br> Borrowers fico score is 40+ points over the minimum required for this program/product. Borrowers ltv is less than the max permitted for this program/product.<br> Borrower has verified reserves of 2.90 mths of piti. Borrower has excellent with no bk's or foreclosures. Thank you. |  |  | 3/XX/2025 8:38:42 AM | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Cash-out - Other |  | D | B | D | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260531 | [redacted] | [redacted |  | 33278904 |  |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | The file is missing the credit report for co-borrower. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 720<br> Representative FICO: 785 | Originator,SitusAMC | Reviewer Comment (2025-XX-14): Waived with compensating factors per lender exception request.<br>Buyer Comment (2025-XX-12): Please the waive this condition to an exception grade of 2 due to the following compensating factors:<br> Borrowers fico score is 40+ points over the minimum required for this program/product. Borrowers ltv is less than the max permitted for this program/product.<br> Borrower has verified reserves of 2.90 mths of piti. Borrower has excellent with no bk's or foreclosures. Thank you. |  |  | 3/XX/2025 8:38:52 AM | 2 | D | B | D | B | D | B | D | B | D | B |  | CA | Primary | Refinance - Cash-out - Other |  | D | B | D | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260532 | [redacted] | [redacted |  | 33278907 |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock is missing from the file. |  |  |  | Reviewer Comment (2025-XX-16): Provided.<br>Reviewer Comment (2025-XX-16): Cleared.<br>Buyer Comment (2025-XX-13):XX/XX<br> Please see attached doc | 2/XX/2025 7:23:04 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Rate/Term |  | B | A | A | A | B | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260533 | [redacted] | [redacted |  | 33278913 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The XX letter is over 3 years old. Provide verification that tax returns were filed using the ITIN within past 3 years. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXBorrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-10): Waived with compensating factors per client request.<br>Reviewer Comment (2025-XX-10): W7 received is dated 3/XX/2025, which is after Note date of 2/XX/2025. If ITIN was not active at time of origination, client can waive; however, we would not be able to clear the condition with post-consummation dated documentation.<br>Buyer Comment (2025-XX-07): W7<br>Reviewer Comment (2025-XX-01): Received first page of 2022 and 2023 1040s; however, this is not evidence that the returns were filed using the ITIN within the past 3 years.<br>Buyer Comment (2025-XX-28): tax returns |  |  | 3/XX/2025 6:25:45 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | IL | Primary | Refinance - Rate/Term |  | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260533 | [redacted] | [redacted |  | 33278914 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XX exceeds tolerance of $XX. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided. |  |  |  | Reviewer Comment (2025-XX-01): COC received in trailing documents<br>Buyer Comment (2025-XX-28): Please find attached COC. Thank You! | 3/XX/2025 7:19:52 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| 223260533 | [redacted] | [redacted |  | 33278915 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $XX exceeds tolerance of $XX. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided. |  |  |  | Reviewer Comment (2025-XX-01): COC received in trailing documents<br>Buyer Comment (2025-XX-28): Please find attached COC. Thank You! | 3/XX/2025 7:19:52 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| 223260533 | [redacted] | [redacted |  | 33278916 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Program guidelines used are ITIN, however the final 1003 reflects borrower is a US Citizen. |  |  |  | Reviewer Comment (2025-XX-10): Received<br>Buyer Comment (2025-XX-07): Revised 1003<br>Reviewer Comment (2025-XX-01): Received LOE from broker; however, confirmation must come from borrower.<br>Buyer Comment (2025-XX-28): loe | 3/XX/2025 3:30:57 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Rate/Term |  | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260533 | [redacted] | [redacted |  | 33278917 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XX0 exceeds tolerance of $XX plus 10% or $XX. Sufficient or excess cure was provided to the borrower at Closing. | Ten percent fee tolerance exceeded; however, sufficient cure was provided at closing. |  |  |  | Reviewer Comment (2025-XX-01): Sufficient Cure Provided At Closing |  | 3/XX/2025 7:23:04 AM |  | 1 |  | A |  | A |  | A |  | A |  | A |  | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| 223260533 | [redacted] | [redacted |  | 33278918 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Borrower is ITIN borrower and file is missing evidence of active ITIN number, as required by guidelines. Documentation received to renew ITIN is dated 3/XX/2025, which is after Note date of 2/XX/2025. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXBorrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-10): Waived with compensating factors per client request. |  |  | 3/XX/2025 6:25:57 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | IL | Primary | Refinance - Rate/Term |  | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260534 | [redacted] | [redacted |  | 33278920 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Verification of Non-US Citizen Status is missing. |  |  |  | Reviewer Comment (2025-XX-21): clear<br>Buyer Comment (2025-XX-19): ITIN | 2/XX/2025 5:56:34 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260534 | [redacted] | [redacted |  | 33278923 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure 02/XX/2025 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller CD is missing from file. |  |  |  | Reviewer Comment (2025-XX-20): SitusAMC received settlement statement with seller costs<br>Buyer Comment (2025-XX-19): 12/XX-Upload of combined XX Statement reflecting Seller Paid Fees | 2/XX/2025 12:08:18 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| 223260534 | [redacted] | [redacted |  | 33278924 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Additional asset is required. | Borrower has been employed in the same industry for more than 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Guidelines Representative FICO: 680<br> Representative FICO: 748 | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-XX-26): Calculated PITIA months reserves of 2.40 is less than Guideline PITIA months reserves of 3.00.<br> Exception Information:<br> Additional asset is required.<br> Approved with lender exception.<br>Buyer Comment (2025-XX-24): exception<br>Reviewer Comment (2025-XX-21): In order to use POC's. provide credit card statement to evidence it is borrowers account and payments are included on credit reprot..<br>Buyer Comment (2025-XX-19): D0170 and D0349 shows POC paid by credit card by the Borrower. Please update the condition and your loan summary; Currently working on getting remaining $XX7 shortage of funds. |  |  | 2/XX/2025 9:40:30 AM | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260534 | [redacted] | [redacted |  | 33278925 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. |  | Borrower disclosed on the final 1003 that he will not occupy the subject property. |  |  |  | Reviewer Comment (2025-XX-28): clear<br>Buyer Comment (2025-XX-26): certificate<br>Reviewer Comment (2025-XX-26): Provide verification the 1003 was sent to borrower to be signed.<br>Buyer Comment (2025-XX-25): Final 1003 | 2/XX/2025 5:13:13 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260536 | [redacted] | [redacted |  | 33278930 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure 02/XX/2025 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller Closing Disclosure is missing in loan file. |  |  |  | Reviewer Comment (2025-XX-20): SitusAMC received Seller CD.<br>Buyer Comment (2025-XX-19): Please find attached Seller CD as requested<br>Buyer Comment (2025-XX-19): Kindly ignore the uploaded documents as was uploaded mistakenly<br>Buyer Comment (2025-XX-19): Seeler CD uploaded<br>Buyer Comment (2025-XX-19): Please find attached Seller CD | 2/XX/2025 4:56:02 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| 223260536 | [redacted] | [redacted |  | 33278933 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The file is missing borrower's 12-month housing history. |  |  |  | Reviewer Comment (2025-XX-21): clear<br>Buyer Comment (2025-XX-19): Please see D0288 Borrower assignment for mtg on XX and XX - XX payments | 2/XX/2025 6:35:42 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | A | C | A | C | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260546 | [redacted] | [redacted |  | 33278984 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 27.86885%<br> Guideline Maximum Loan to Value: 80.00000%<br>DTI: 38.20203% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 757 | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-19): Waived with compensating factors at clients request.<br>Buyer Comment (2025-XX-17): Please accept this request to waive the exception grade condition to a 2 based on the following compensating factors: <br> Borrower has a good mid fico 40+ points over the minimum required for this program/product. Borrower has no bk's or foreclosures. Borrower has an excellent ltv of 28%. With a good back-end ratio of 39%. With good reserves of this O/O primary rate & term refi. Thank you.<br>Reviewer Comment (2025-XX-11): Signed agreement required.<br>Buyer Comment (2025-XX-10): 03/XX-Please see Audit History Reflecting Time stamp of Disclosure Manual Fulfillment completion |  |  | 3/XX/2025 7:39:32 AM | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Rate/Term |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260546 | [redacted] | [redacted |  | 33278985 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Borrower to provide employment authorization/Passport/Visa card/Permanent Resident alien card. |  |  |  | Reviewer Comment (2025-XX-05): clear.<br>Buyer Comment (2025-XX-03): Please see attached verification of Borrower ITIN. Thank you.<br>Buyer Comment (2025-XX-03): Please find document confirming Borrowers ssn number attached. Thank you. | 3/XX/2025 10:33:47 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Rate/Term |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260546 | [redacted] | [redacted |  | 33278987 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XX0 exceeds tolerance of $XX0 plus 10% or $XX0. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-XX-25): Sufficient Cure Provided At Closing |  | 2/XX/2025 5:04:50 AM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| 223260546 | [redacted] | [redacted |  | 33278988 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Lender exception was approved for borrower with only 1 FICO score, which is 767. Compensating factors include LTV more than 10% under the maximum, and residual income over $XX | Borrower has verified disposable income of at least $XXThe Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $XX<br>Loan to Value: 27.86885%<br> Guideline Maximum Loan to Value: 80.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 757<br>DTI: 38.20203% <br> Guideline Maximum DTI: 50.00000% | Originator Pre-Close,SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-27): Lender exception was approved for borrower with only 1 FICO score, which is 767. Compensating factors include LTV more than 10% under the maximum, and residual income over $XX. Approved at origination with the lender exception. |  |  | 2/XX/2025 9:48:49 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Rate/Term |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260552 | [redacted] | [redacted |  | 33279011 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XX exceeds tolerance of $XX plus 10% or $XX. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XX exceeds tolerance of $XX plus 10% or $XX. Insufficient or no cure was provided to the borrower. (0) |  |  |  | Reviewer Comment (2025-XX-24): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-XX-20): 03/20-POD, LOX and PCCD for cure refund in the amount of $XX<br>Reviewer Comment (2025-XX-18): SitusAMC received final SS. The increased title fees on final CD and final SS are matching. Title - Endorsement fee of $XXd Title - Deed Preparation fee of $XXs not disclosed on initial LE also, recording fee was increased by $XX. Overall title and recording fee were increased from 10% tolerance by $XX. A valid COC for adding the fee or cure is required.<br>Buyer Comment (2025-XX-17): 03/17-FSS |  | 3/XX/2025 12:31:38 AM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes |
| 223260552 | [redacted] | [redacted |  | 33279012 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | 4 months of reserves must come from the borrowers own funds. Insufficient funds verified to cover the 4 months from the borrowers own account. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 32.39437%<br> Guideline Maximum Loan to Value: 60.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 707 | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-XX-13): Waived with compensating factors per lender exception approval received in trailing docs.<br>Buyer Comment (2025-XX-12): exception |  |  | 3/XX/2025 9:06:31 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | FL | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260552 | [redacted] | [redacted |  | 33279013 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds discrepancy. | Calculated borrower's own funds of ___ is less than Guideline required borrower's own funds of ___. | 4 months of reserves must come from the borrowers own funds. Insufficient funds verified to cover the 4 months from the borrowers own account. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 32.39437%<br> Guideline Maximum Loan to Value: 60.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 707 | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-XX-13): Waived with compensating factors per lender exception approval received in trailing docs.<br>Buyer Comment (2025-XX-12): see attached exception |  |  | 3/XX/2025 9:07:03 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | FL | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260555 | [redacted] | [redacted |  | 33279023 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided |  | The file is missing the documentation to verify valid employment authorization to verify immigration status/program required by the guidelines. |  |  |  | Reviewer Comment (2025-XX-24): clear<br>Buyer Comment (2025-XX-21): Please find attached back of Borrowers green card. Thank you. | 3/XX/2025 9:05:20 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260555 | [redacted] | [redacted |  | 33279025 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | The file is missing the documentation to verify valid employment authorization to verify immigration status/program required by the guidelines. |  |  |  | Reviewer Comment (2025-XX-24): clear<br>Buyer Comment (2025-XX-21): Please find attached the back of Borrowers green card. Thank you.<br>Buyer Comment (2025-XX-20): Please find front on the Borrowers EAD Card. Copy of back portion to follow. Thank you. | 3/XX/2025 9:08:43 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223260555 | [redacted] | [redacted |  | 33279028 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $XX0 exceeds tolerance of $XXficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $XX0 exceeds tolerance of $XXicient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-XX-13): Sufficient Cure Provided At Closing |  | 3/XX/2025 10:21:10 AM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | Yes |
| 223260555 | [redacted] | [redacted |  | 33279029 |  |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Lender exception approved to allow collection/charge off account in the amount of $XX remain open. The borrower is disputing the account. Compensating factors include LTV, FICO and reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrowers have liquid reserves in excess of the amount required to both cover the judgement amount if necessary plus the standard 9 months. They also have free and clear departing primary residence.<br>FICO is at least 40 points greater than minimum 660 with perfect mortgage pay history | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-XX-14): Lender granted exception approval with compensating factors in loan file. |  |  | 3/XX/2025 10:07:07 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No |
| 223270723 | [redacted] | [redacted |  | 33288349 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  | Reviewer Comment (2025-XX-16): Disclosure provided.<br>Buyer Comment (2025-XX-15): This is in the file. | 1/XX/2025 9:23:42 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | FL | Primary | Purchase |  | C | A | C | A | B | A | A | A | Non QM | Non QM | No |
| 223270723 | [redacted] | [redacted |  | 33288350 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The business narrative is missing from the file. |  |  |  | Reviewer Comment (2025-XX-17): Business Narrative form received and updated. Exception cleared.<br>Buyer Comment (2025-XX-16): Business Narative | 1/XX/2025 5:13:19 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | B | A | A | A | Non QM | Non QM | No |
| 223270729 | [redacted] | [redacted |  | 33288378 |  |  | Compliance | Compliance | State Compliance | State Defect | New Mexico Home Loan (Ability to Repay not Verified) | New Mexico Home Loan: Borrower's ability to repay not verified with reliable documentation. | Credit report was not provided. |  |  |  | Reviewer Comment (2025-XX-24): Loan meets ATR requirements. Exception cleared.<br>Buyer Comment (2025-XX-24): Reserves and DTI were compensating factors to approve the exception.<br>Buyer Comment (2025-XX-24): Credit report uploaded for review.<br>Reviewer Comment (2025-XX-12): ATR exception due to no credit report provided.<br>Seller Comment (2025-XX-10): Per the final 1008 "No Credit Score, Non Traditional credit 12 months statements XX note payments to Spectrum, Tmobile, Netflix, Northem, Electric Bill, OnStar". The 660 is for pricing per guidelines. | 2/XX/2025 4:10:30 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NM | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223270729 | [redacted] | [redacted |  | 33288383 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Verified months reserves is 5.23 which is less than guideline minimum requirement of 6 months . | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXBorrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $XX<br>DTI: 30.01582% <br> Guideline Maximum DTI: 50.00000% | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-XX-17): Client elects to waive with comp factors.<br>Buyer Comment (2025-XX-13): Please see updated 1008<br>Seller Comment (2025-XX-13): Alex, it was provided with the updated 1008.<br>Reviewer Comment (2025-XX-12): Received lender correspondence regarding reserve shortage however a lender exception document with compensating factors provided and approval is not located in the file.<br>Buyer Comment (2025-XX-11): Email from investor accepting reserves and updated 1008 uploaded for review. |  |  | 2/XX/2025 9:23:55 AM | 2 | C | B | C | B | C | B | C | B | C | B |  | NM | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223270729 | [redacted] | [redacted |  | 33288384 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Verified months reserves is 5.23 which is less than guideline minimum requirement of 6 months . |  |  |  | Reviewer Comment (2025-XX-24): Received lender exception<br>Buyer Comment (2025-XX-20): Compensating factors are listed on the 1008.<br>Reviewer Comment (2025-XX-12): Received lender correspondence regarding reserve shortage however a lender exception request document with compensating factors and approval is not located in the file.<br>Seller Comment (2025-XX-11): Email from investor accepting reserves and updated 1008 uploaded to trailing docs for review. | 2/XX/2025 11:00:32 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NM | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223270729 | [redacted] | [redacted |  | 33288385 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Short reserves |  |  |  | Reviewer Comment (2025-XX-24): Received lender exception<br>Buyer Comment (2025-XX-20): Condition was waived by the investor (32778447) compensating factors are listed on the 1008. | 2/XX/2025 11:00:32 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | NM | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes |
| 223270729 | [redacted] | [redacted |  | 33288386 |  |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  |  | Reviewer Comment (2025-XX-27): Credit report received, exception cleared<br>Buyer Comment (2025-XX-25): See attached | 2/XX/2025 6:51:06 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | NM | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223270730 | [redacted] | [redacted |  | 33288387 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-XX-04): Per client, Documents and Disclosures were sent via US Mail. All reflect wet signatures. E-sign consent not required.<br>Seller Comment (2025-XX-04): All of the disclosures per the tracking summary were sent US Mail, eConsent would not be required, please advise.<br>Reviewer Comment (2025-XX-03): Available Disclosure Tracking Summary in file does not reflect E-Consent date in it, hence require E-Sign consent agreement. Exception Remains.<br>Seller Comment (2025-XX-27): Per the Disclosure Tracking Summary provided in the initial shipping package (xx .pdf xx Disclosure Tracking Details xx.pdf), the disclosures were sent US Mail, eConsent would not be required. | 3/XX/2025 5:46:22 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | D | A | C | A | A | A | D | A | Non QM | Non QM | No |
| 223270730 | [redacted] | [redacted |  | 33288388 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-XX-04): Cleared. Received CDA.<br>Buyer Comment (2025-XX-04): ClearCapital CDA uploaded for review. | 3/XX/2025 5:51:45 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | CA | Primary | Purchase |  | D | A | C | A | A | A | D | A | Non QM | Non QM | No |
| 223270730 | [redacted] | [redacted |  | 33288389 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-XX-28): Title policy amount updated from the available Supplemental report. Exception cleared.<br>Seller Comment (2025-XX-27): The supplemental title report was provided in the initial shipping package (HXX) which reflects the loan amount of $XX. | 2/XX/2025 2:01:36 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | D | A | C | A | A | A | D | A | Non QM | Non QM | No |
| 223303569 | [redacted] | [redacted |  | 33333574 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Investor to order. |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared. | 7/XX/2025 7:35:29 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | C | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303569 | [redacted] | [redacted |  | 33333575 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Hazard Insurance Policy Effective Date is after the later of the note date. - Hazard Insurance Policy Effective Date 09/XX/2024, Disbursement Date: 08/XX/2024 | Borrower has verified disposable income of at least $XXBorrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XX.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-30): Client elected to re grade<br>Reviewer Comment (2024-XX-29): Buyer to review<br>Seller Comment (2024-XX-28): Comp factors<br>Reviewer Comment (2024-XX-25): Please provide compensating factors to refer to buyer for waiver.<br>Seller Comment (2024-XX-24): xx will need to review for a purchase exception. Finding is accurate - FUB cannot remedy. |  |  | 6/XX/2025 4:49:30 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase |  | D | B | C | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303569 | [redacted] | [redacted |  | 33812294 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared.<br>Reviewer Comment (2025-XX-01): Valuation Received - 07/XX/2025 | 7/XX/2025 7:35:24 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | C | B | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303572 | [redacted] | [redacted |  | 33333586 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to Missing third party verification for Sch C income. |  |  |  | Reviewer Comment (2024-XX-25): Third party verification provided.<br>Seller Comment (2024-XX-24): Here is the business license which is the VVOE we used. | 10/XX/2024 9:08:28 AM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303572 | [redacted] | [redacted |  | 33333587 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Waterfall due to Missing third party verification for Sch C income. |  |  |  | Reviewer Comment (2024-XX-25): Third party verification provided.<br>Seller Comment (2024-XX-24): Here is the business license which is the VVOE we used. | 10/XX/2024 9:06:03 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303572 | [redacted] | [redacted |  | 33333589 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Investor to order. |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared.<br>Reviewer Comment (2024-XX-25): Nothing required from lender.<br>Seller Comment (2024-XX-24): Here is the business license which is the VVOE we used. | 7/XX/2025 7:34:01 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303572 | [redacted] | [redacted |  | 33333590 |  |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Missing electronic consent. |  |  |  | Reviewer Comment (2024-XX-17): econsent provided.<br>Seller Comment (2024-XX-16): please see attached | 10/XX/2024 7:16:09 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303572 | [redacted] | [redacted |  | 33333591 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall for Missing Third party verification for self employed schedule C. |  |  |  | Reviewer Comment (2024-XX-25): Third party verification provided.<br>Seller Comment (2024-XX-24): Here is the business license which is the VVOE we used. | 10/XX/2024 9:07:39 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303572 | [redacted] | [redacted |  | 33333592 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall for Missing Third party verification for self employed schedule C. |  |  |  | Reviewer Comment (2024-XX-25): Third party verification provided.<br>Seller Comment (2024-XX-24): Here is the business license which is the VVOE we used. | 10/XX/2024 9:07:00 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303572 | [redacted] | [redacted |  | 33333593 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall for missing Third Party Verification for Schedule C income. |  |  |  | Reviewer Comment (2024-XX-25): Third party verification provided.<br>Seller Comment (2024-XX-24): Here is the business license which is the VVOE we used. | 10/XX/2024 9:08:28 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303572 | [redacted] | [redacted |  | 33812295 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared.<br>Reviewer Comment (2025-XX-01): Valuation Received - 07/XX/2025 | 7/XX/2025 7:33:53 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303573 | [redacted] | [redacted |  | 33333594 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Investor to Order. |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared.<br>Reviewer Comment (2024-XX-21): Investor to order. No further comment from seller is required.<br>Seller Comment (2024-XX-21): loe | 7/XX/2025 7:31:50 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223303573 | [redacted] | [redacted |  | 33333596 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Higher Priced Mortgage due to rate. |  |  |  | Reviewer Comment (2024-XX-23): LD restated<br>Seller Comment (2024-XX-23): no hoa due<br>Seller Comment (2024-XX-23): no hoa was due for this loan<br>Reviewer Comment (2024-XX-22): Received statement. Still missing evidence of HOA.<br>Reviewer Comment (2024-XX-22): EXCEPTION HISTORY - Exception Detail was updated on 10/XX/2024 PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR).<br>Seller Comment (2024-XX-21): HPML loan that was escrowed | 10/XX/2024 1:46:01 PM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223303573 | [redacted] | [redacted |  | 33333597 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing statement verifying tax and insurance or escrowed as well as HOA. |  |  |  | Reviewer Comment (2024-XX-23): Received HOA verification.<br>Seller Comment (2024-XX-23): no hoa due<br>Seller Comment (2024-XX-23): no hoa was due for this loan<br>Reviewer Comment (2024-XX-22): Received statement. Still missing evidence of HOA.<br>Reviewer Comment (2024-XX-22): EXCEPTION HISTORY - Exception Explanation was updated on 10/XX/2024 PRIOR Exception Explanation: HOA Verification, Insurance Verification, Statement<br>Seller Comment (2024-XX-21): REO | 10/XX/2024 1:43:57 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223303573 | [redacted] | [redacted |  | 33333598 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing REO documents |  |  |  | Reviewer Comment (2024-XX-23): Received HOA verification.<br>Seller Comment (2024-XX-23): no hoa due<br>Seller Comment (2024-XX-23): no hoa was due for this loan<br>Reviewer Comment (2024-XX-22): Received statement. Still missing evidence of HOA.<br>Seller Comment (2024-XX-21): REO | 10/XX/2024 1:44:41 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223303573 | [redacted] | [redacted |  | 33333599 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing REO documents |  |  |  | Reviewer Comment (2024-XX-23): Received HOA verification.<br>Seller Comment (2024-XX-23): no hoa due<br>Seller Comment (2024-XX-23): no hoa was due for this loan<br>Reviewer Comment (2024-XX-22): Received statement. Still missing evidence of HOA.<br>Seller Comment (2024-XX-21): REO | 10/XX/2024 1:44:07 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223303573 | [redacted] | [redacted |  | 33333600 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD restated |  |  |  | Reviewer Comment (2025-XX-01): Waived<br>Reviewer Comment (2024-XX-24): No further comment from seller needed<br>Seller Comment (2024-XX-24): passes QM, but is a HPML loan. will have to accept a HPML loan. |  |  | 7/XX/2025 8:39:01 PM | 2 |  | A |  | B |  | B |  | B |  | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223303573 | [redacted] | [redacted |  | 33812296 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared.<br>Reviewer Comment (2025-XX-01): Valuation Received - 07/XX/2025 | 7/XX/2025 7:31:45 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223303574 | [redacted] | [redacted |  | 33333601 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of secondary valuation report required for securitization purpose. |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared. | 7/XX/2025 7:29:59 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303574 | [redacted] | [redacted |  | 33333602 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2024, Most Recent Tax Return End Date 12/XX/2022, Tax Return Due Date 03/XX/2024. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived at seller request.<br>Seller Comment (2024-XX-16): EV2 Exception Please mark as Waived. Thank you. |  |  | 10/XX/2024 6:28:53 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303574 | [redacted] | [redacted |  | 33333603 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2024, Most Recent Tax Return End Date 12/XX/2022, Tax Return Due Date 03/XX/2024. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived at seller request.<br>Seller Comment (2024-XX-16): EV2 Exception Please mark as Waived. Thank you. |  |  | 10/XX/2024 6:28:53 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303574 | [redacted] | [redacted |  | 33333604 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2024, Most Recent Tax Return End Date 12/XX/2022, Tax Return Due Date 03/XX/2024. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived at seller request.<br>Seller Comment (2024-XX-16): EV2 Exception Please mark as Waived. Thank you. |  |  | 10/XX/2024 6:28:53 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303574 | [redacted] | [redacted |  | 33333605 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2024, Most Recent Tax Return End Date 12/XX/2022, Tax Return Due Date 03/XX/2024. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived at seller request.<br>Seller Comment (2024-XX-16): EV2 Exception Please mark as Waived. Thank you. |  |  | 10/XX/2024 6:28:53 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303574 | [redacted] | [redacted |  | 33333606 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2024, Most Recent Tax Return End Date 12/XX/2022, Tax Return Due Date 03/XX/2024. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived at seller request.<br>Seller Comment (2024-XX-16): EV2 Exception Please mark as Waived. Thank you. |  |  | 10/XX/2024 6:28:53 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303574 | [redacted] | [redacted |  | 33333607 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2024, Most Recent Tax Return End Date 12/XX/2022, Tax Return Due Date 03/XX/2024. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived at seller request.<br>Seller Comment (2024-XX-16): EV2 Exception Please mark as Waived. Thank you. |  |  | 10/XX/2024 6:28:53 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303574 | [redacted] | [redacted |  | 33333608 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2024, Most Recent Tax Return End Date 12/XX/2022, Tax Return Due Date 03/XX/2024. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived at seller request.<br>Seller Comment (2024-XX-16): EV2 Exception Please mark as Waived. Thank you. |  |  | 10/XX/2024 6:28:53 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303574 | [redacted] | [redacted |  | 33333609 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2024, Most Recent Tax Return End Date 12/XX/2022, Tax Return Due Date 04/XX/2024. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived at seller request.<br>Seller Comment (2024-XX-16): EV2 Exception Please mark as Waived. Thank you. |  |  | 10/XX/2024 6:28:53 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303574 | [redacted] | [redacted |  | 33333610 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2024, Most Recent Tax Return End Date 12/XX/2022, Tax Return Due Date 04/XX/2024. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived at seller request.<br>Seller Comment (2024-XX-16): EV2 Exception Please mark as Waived. Thank you. |  |  | 10/XX/2024 6:28:53 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303574 | [redacted] | [redacted |  | 33333611 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2024, Most Recent Tax Return End Date 12/XX/2022, Tax Return Due Date 04/XX/2024. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived at seller request.<br>Seller Comment (2024-XX-16): EV2 Exception Please mark as Waived. Thank you. |  |  | 10/XX/2024 6:28:53 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303574 | [redacted] | [redacted |  | 33333612 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2024, Most Recent Tax Return End Date 12/XX/2022, Tax Return Due Date 04/XX/2024. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived at seller request.<br>Seller Comment (2024-XX-16): EV2 Exception Please mark as Waived. Thank you. |  |  | 10/XX/2024 6:28:53 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303574 | [redacted] | [redacted |  | 33333613 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2024, Most Recent Tax Return End Date 12/XX/2022, Tax Return Due Date 04/XX/2024. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived at seller request.<br>Seller Comment (2024-XX-16): EV2 Exception Please mark as Waived. Thank you. |  |  | 10/XX/2024 6:28:53 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303574 | [redacted] | [redacted |  | 33333614 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2024, Most Recent Tax Return End Date 12/XX/2022, Tax Return Due Date 04/XX/2024. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived at seller request.<br>Seller Comment (2024-XX-16): EV2 Exception Please mark as Waived. Thank you. |  |  | 10/XX/2024 6:28:53 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303574 | [redacted] | [redacted |  | 33333615 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2024, Most Recent Tax Return End Date 12/XX/2022, Tax Return Due Date 04/XX/2024. | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived at seller request.<br>Seller Comment (2024-XX-16): EV2 Exception Please mark as Waived. Thank you. |  |  | 10/XX/2024 6:28:53 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303574 | [redacted] | [redacted |  | 33333616 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 07/XX/2024 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate issued to the borrower on 7/XX/2024 and received on 7/XX/2024. |  |  |  | Reviewer Comment (2024-XX-17): SitusAMC received updated E-sign Consent agreement with eConsent accepted by borrower on 07/XX/2024.<br>Seller Comment (2024-XX-16): Please see attached | 10/XX/2024 11:13:10 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303574 | [redacted] | [redacted |  | 33812297 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared.<br>Reviewer Comment (2025-XX-01): Valuation Received - 07/XX/2025 | 7/XX/2025 7:29:40 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303575 | [redacted] | [redacted |  | 33333617 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Investor to order. |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared. | 7/XX/2025 7:28:13 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303575 | [redacted] | [redacted |  | 33333618 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Address: [redacted]: REO Documents is missing - Insurance Verification |  |  |  | Reviewer Comment (2024-XX-18): Escrow analysis included. | 10/XX/2024 7:45:01 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303575 | [redacted] | [redacted |  | 33333620 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $XXeeds tolerance of $XXficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-XX-03): Sufficient Cure Provided At Closing |  | 10/XX/2024 10:33:01 AM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase | Final CD evidences Cure | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303575 | [redacted] | [redacted |  | 33333621 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 06/XX/2024 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is 06/XX/2024 which was after the date of the initial Loan Estimate provided electronically 06/XX/2024. |  |  |  | Reviewer Comment (2024-XX-17): Upon further review Initial Disclosures were sent via by mail and supporting disclosure tracking details were already provided in the loan file.<br>Seller Comment (2024-XX-16): See Attached | 10/XX/2024 11:20:52 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303575 | [redacted] | [redacted |  | 33333622 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing REO documents |  |  |  | Reviewer Comment (2024-XX-18): Escrow analysis included. | 10/XX/2024 7:47:26 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303575 | [redacted] | [redacted |  | 33333623 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing REO documents |  |  |  | Reviewer Comment (2024-XX-18): Escrow analysis included. | 10/XX/2024 7:46:35 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303575 | [redacted] | [redacted |  | 33333624 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing REO documents |  |  |  | Reviewer Comment (2024-XX-18): Escrow analysis included. | 10/XX/2024 7:46:03 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303575 | [redacted] | [redacted |  | 33333625 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall due to income docs. |  |  |  | Reviewer Comment (2024-XX-18): Escrow analysis included. | 10/XX/2024 7:47:26 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303575 | [redacted] | [redacted |  | 33812298 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared.<br>Reviewer Comment (2025-XX-01): Valuation Received - 07/XX/2025 | 7/XX/2025 7:28:03 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303577 | [redacted] | [redacted |  | 33333630 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared.<br>Reviewer Comment (2024-XX-21): Investor to order. No further comment from seller is needed.<br>Seller Comment (2024-XX-21): loe | 7/XX/2025 7:26:38 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303577 | [redacted] | [redacted |  | 33333631 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-XX-23): Received PDI.<br>Seller Comment (2024-XX-22): See attached | 10/XX/2024 9:24:06 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303577 | [redacted] | [redacted |  | 33333632 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Borrower 2: Income Docs Missing: VVOE - Employment Only From employer Dallas County Hospital Dist |  |  |  | Reviewer Comment (2024-XX-18): Employment verified; exception cleared.<br>Seller Comment (2024-XX-17): see attached Verify date = 10/XX/22 | 10/XX/2024 12:50:09 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303577 | [redacted] | [redacted |  | 33333633 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was not provided. |  |  |  | Reviewer Comment (2024-XX-17): Waived<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark it as waived. Thank you! |  |  | 10/XX/2024 5:19:06 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303577 | [redacted] | [redacted |  | 33333635 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 10/XX/2022 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is 10/XX/2022 which was after the date of the initial Loan Estimate provided electronically 10/XX/2022. |  |  |  | Reviewer Comment (2024-XX-17): Waived<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark it as waived. Thank you! |  |  | 10/XX/2024 5:19:13 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303577 | [redacted] | [redacted |  | 33333636 |  |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. |  | Missing prior employment VVOE for Borrower 2, AUS required 2 year verification. |  |  |  | Reviewer Comment (2024-XX-18): Employment verified, exception cleared. | 10/XX/2024 12:49:28 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303577 | [redacted] | [redacted |  | 33333637 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing VOE |  |  |  | Reviewer Comment (2024-XX-18): Employment verified, exception cleared.<br>Seller Comment (2024-XX-17): see attached Verify Date = 10/XX/22 | 10/XX/2024 12:50:47 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303577 | [redacted] | [redacted |  | 33333638 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing VOE |  |  |  | Reviewer Comment (2024-XX-18): Employment verified, exception cleared.<br>Seller Comment (2024-XX-17): See attached | 10/XX/2024 12:50:21 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303577 | [redacted] | [redacted |  | 33333639 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing VOE |  |  |  | Reviewer Comment (2024-XX-18): Exception cleared.<br>Seller Comment (2024-XX-17): See attached | 10/XX/2024 12:48:00 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303577 | [redacted] | [redacted |  | 33812300 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared.<br>Reviewer Comment (2025-XX-01): Valuation Received - 07/XX/2025 | 7/XX/2025 7:26:26 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303578 | [redacted] | [redacted |  | 33333640 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XX0 exceeds tolerance of $XX0 plus 10% or $XX0. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-XX-07): Sufficient Cure Provided At Closing |  | 10/XX/2024 4:26:42 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223303578 | [redacted] | [redacted |  | 33333641 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 08/XX/2023 did not disclose the Monthly Escrow Payment. | EV1. |  |  |  | Reviewer Comment (2024-XX-07): Sufficient Cure Provided At Closing |  | 10/XX/2024 4:26:46 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223303578 | [redacted] | [redacted |  | 33333642 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 08/XX/2023 with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. | Final Closing Disclosure provided on 08/XX/2023 with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): This is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 4:16:34 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223303578 | [redacted] | [redacted |  | 33333643 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 08/XX/2023 with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. | Final Closing Disclosure provided on 08/XX/2023 with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): This is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 4:16:34 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223303578 | [redacted] | [redacted |  | 33333644 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 08/XX/2023 disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Final Closing Disclosure provided on 08/XX/2023 disclosed a Principal and Interest Payment that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): This is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 4:16:34 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223303578 | [redacted] | [redacted |  | 33333645 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2023 disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | Final Closing Disclosure provided on 08/XX/2023 disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): This is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 4:16:34 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223303578 | [redacted] | [redacted |  | 33333646 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment - Fixed Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2023 disclosed a maximum periodic principal and interest payment for payment stream 1 that does not match the actual maximum payment for the loan. | Final Closing Disclosure provided on 08/XX/2023 disclosed a maximum periodic principal and interest payment for payment stream 1 that does not match the actual maximum payment for the loan. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): This is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 4:16:34 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223303578 | [redacted] | [redacted |  | 33333647 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 08/XX/2023 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. | Final Closing Disclosure provided on 08/XX/2023 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): This is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 4:16:34 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223303578 | [redacted] | [redacted |  | 33333648 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2023 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. | Final Closing Disclosure provided on 08/XX/2023 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): This is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 4:16:34 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223303578 | [redacted] | [redacted |  | 33333649 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2023 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. | Final Closing Disclosure provided on 08/XX/2023 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): This is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 4:16:34 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223303578 | [redacted] | [redacted |  | 33333650 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2023 did not disclose the escrow payment for payment stream 1. | Final Closing Disclosure provided on 08/XX/2023 did not disclose the escrow payment for payment stream 1. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): This is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 4:16:34 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223303578 | [redacted] | [redacted |  | 33333651 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - xx 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 5,843.64 on Final Closing Disclosure provided on 08/XX/2023 are overdisclosed. | Non-Escrowed Property Costs over Year 1 of 5,843.64 on Final Closing Disclosure provided on 08/XX/2023 are over disclosed. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): This is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 4:16:34 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223303578 | [redacted] | [redacted |  | 33333653 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | EDIT 10/XX/24 - Lender designation was QM(APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR) |  |  |  | Reviewer Comment (2024-XX-22): LD Restated<br>Seller Comment (2024-XX-21): Lender agrees this is a HPML loan, xx to review for purchase exception.<br>Reviewer Comment (2024-XX-18): Updated 10/XX/24 - Lender designation was QM(APOR) however due to points and fees the calculated designation is Higher Priced QM(APOR)<br>Seller Comment (2024-XX-17): see attached | 10/XX/2024 8:25:37 AM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223303578 | [redacted] | [redacted |  | 33333654 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Investor to order. |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared. | 7/XX/2025 7:25:08 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223303578 | [redacted] | [redacted |  | 33333655 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | VVOE missing in file. |  |  |  | Reviewer Comment (2024-XX-18): VVOE provided, exception cleared.<br>Seller Comment (2024-XX-17): see attached | 10/XX/2024 11:55:04 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223303578 | [redacted] | [redacted |  | 33333656 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2024-XX-23): Received hazard policy.<br>Seller Comment (2024-XX-22): HOI<br>Reviewer Comment (2024-XX-22): Received RCE info but still missing dec page.<br>Seller Comment (2024-XX-21): RCE | 10/XX/2024 9:34:51 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223303578 | [redacted] | [redacted |  | 33333657 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing VOE |  |  |  | Reviewer Comment (2024-XX-18): VVOE provided, exception cleared.<br>Seller Comment (2024-XX-17): see attached | 10/XX/2024 11:55:49 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223303578 | [redacted] | [redacted |  | 33333658 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing VOE |  |  |  | Reviewer Comment (2024-XX-18): VVOE provided, exception cleared.<br>Seller Comment (2024-XX-17): see attached | 10/XX/2024 11:55:12 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223303578 | [redacted] | [redacted |  | 33333659 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | LD Restated |  |  |  | Reviewer Comment (2024-XX-22): Waived<br>Seller Comment (2024-XX-22): Since this is a EV2 exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 3:27:56 PM | 2 |  | A |  | B |  | B |  | B |  | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223303578 | [redacted] | [redacted |  | 33812301 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared.<br>Reviewer Comment (2025-XX-01): Valuation Received - 07/XX/2025 | 7/XX/2025 7:24:58 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223303579 | [redacted] | [redacted |  | 33333660 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy missing for the subject property. |  |  |  | Reviewer Comment (2024-XX-22): Received hazard policy.<br>Seller Comment (2024-XX-21): see attached | 10/XX/2024 1:44:06 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303579 | [redacted] | [redacted |  | 33333661 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 06/XX/2023 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. | The subject is construction to permanent loan with 1 year interest only payment. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived, no material changes.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 3:19:42 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303579 | [redacted] | [redacted |  | 33333662 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - xx 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 17,098.44 on Final Closing Disclosure provided on 06/XX/2023 are overdisclosed. | Non Escrowed Property Costs over Year 1 of 17,098.44 on Final Closing Disclosure provided are overdisclosed. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived, no material changes.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 3:19:42 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303579 | [redacted] | [redacted |  | 33333663 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2023 with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. | Final Closing Disclosure provided with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived, no material changes.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 3:19:42 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303579 | [redacted] | [redacted |  | 33333664 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2023 with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. | Final Closing Disclosure provided with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived, no material changes.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 3:19:42 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303579 | [redacted] | [redacted |  | 33333665 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2023 disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Final Closing Disclosure provided disclosed a Principal and Interest Payment that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived, no material changes.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 3:19:42 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303579 | [redacted] | [redacted |  | 33333666 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2023 disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | Final Closing Disclosure provided disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived, no material changes.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 3:19:42 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303579 | [redacted] | [redacted |  | 33333667 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment - Fixed Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2023 disclosed a maximum periodic principal and interest payment for payment stream 1 that does not match the actual maximum payment for the loan. | Final Closing Disclosure provided disclosed a maximum periodic principal and interest payment for payment stream 1 that does not match the actual maximum payment for the loan. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived, no material changes.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 3:19:42 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303579 | [redacted] | [redacted |  | 33333668 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 06/XX/2023 did not disclose the Monthly Escrow Payment. | Final Closing Disclosure provided did not disclose the Monthly Escrow Payment. |  |  |  | Reviewer Comment (2024-XX-08): Sufficient Cure Provided At Closing |  | 10/XX/2024 3:05:14 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303579 | [redacted] | [redacted |  | 33333669 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 06/XX/2023 incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived, no material changes.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 3:19:42 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303579 | [redacted] | [redacted |  | 33333670 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 06/XX/2023 incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived, no material changes.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark it as waived? Thank you! |  |  | 10/XX/2024 3:19:42 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303579 | [redacted] | [redacted |  | 33333671 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared. | 7/XX/2025 7:22:34 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303579 | [redacted] | [redacted |  | 33333672 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-XX-24): Received PDI<br>Seller Comment (2024-XX-23): XX | 10/XX/2024 9:54:20 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303579 | [redacted] | [redacted |  | 33812302 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared.<br>Reviewer Comment (2025-XX-01): Valuation Received - 07/XX/2025 | 7/XX/2025 7:22:26 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303580 | [redacted] | [redacted |  | 33333673 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark as waived. Thank you! |  |  | 10/XX/2024 4:09:10 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303580 | [redacted] | [redacted |  | 33333674 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 08/XX/2023 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. | The subject is construction to permanent loan with 1 year interest only payment. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark as waived. Thank you! |  |  | 10/XX/2024 4:09:10 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303580 | [redacted] | [redacted |  | 33333675 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2023 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | The subject is construction to permanent loan with 1 year interest only payment. |  |  |  | Reviewer Comment (2024-XX-08): Sufficient Cure Provided At Closing |  | 10/XX/2024 12:39:32 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303580 | [redacted] | [redacted |  | 33333676 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 08/XX/2023 with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. | The subject is construction to permanent loan with 1 year interest only payment. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark as waived. Thank you! |  |  | 10/XX/2024 4:09:10 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303580 | [redacted] | [redacted |  | 33333677 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 08/XX/2023 with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. | The subject is construction to permanent loan with 1 year interest only payment. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark as waived. Thank you! |  |  | 10/XX/2024 4:09:10 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303580 | [redacted] | [redacted |  | 33333678 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 08/XX/2023 disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | The subject is construction to permanent loan with 1 year interest only payment. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark as waived. Thank you! |  |  | 10/XX/2024 4:09:10 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303580 | [redacted] | [redacted |  | 33333679 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2023 disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | The subject is construction to permanent loan with 1 year interest only payment. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark as waived. Thank you! |  |  | 10/XX/2024 4:09:10 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303580 | [redacted] | [redacted |  | 33333680 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment - Fixed Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2023 disclosed a maximum periodic principal and interest payment for payment stream 1 that does not match the actual maximum payment for the loan. | The subject is construction to permanent loan with 1 year interest only payment. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark as waived. Thank you! |  |  | 10/XX/2024 4:09:10 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303580 | [redacted] | [redacted |  | 33333681 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - xx 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 28,594.68 on Final Closing Disclosure provided on 08/XX/2023 are overdisclosed. | The subject is construction to permanent loan with 1 year interest only payment. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark as waived. Thank you! |  |  | 10/XX/2024 4:09:10 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303580 | [redacted] | [redacted |  | 33333682 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2024-XX-22): Received hazard policy.<br>Seller Comment (2024-XX-21): insurance | 10/XX/2024 1:11:02 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303580 | [redacted] | [redacted |  | 33333683 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Investor to order. |  |  |  | Reviewer Comment (2025-XX-02): Cleared with CDA | 7/XX/2025 11:07:53 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303580 | [redacted] | [redacted |  | 33333685 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2024-XX-24): Received PDI.<br>Seller Comment (2024-XX-23): XX | 10/XX/2024 10:04:36 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303580 | [redacted] | [redacted |  | 33812303 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-02): Cleared with CDA<br>Reviewer Comment (2025-XX-02): Valuation Received - 07/XX/2025 | 7/XX/2025 11:08:57 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303581 | [redacted] | [redacted |  | 33333686 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy missing for the subject property. |  |  |  | Reviewer Comment (2024-XX-22): Received hazard policy<br>Seller Comment (2024-XX-21): Insurance | 10/XX/2024 3:24:43 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303581 | [redacted] | [redacted |  | 33333687 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 07/XX/2023 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. | The subject is construction to permanent loan with 1 year interest only payment. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark as waived. Thank you! |  |  | 10/XX/2024 4:06:58 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303581 | [redacted] | [redacted |  | 33333688 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/XX/2023 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | Final Closing Disclosure provided disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2024-XX-09): Sufficient Cure Provided At Closing |  | 10/XX/2024 3:18:28 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303581 | [redacted] | [redacted |  | 33333689 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 07/XX/2023 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XX under disclosed by $XX compared to the calculated Finance Charge of $XXich exceeds the $XX0 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 07/XX/2023). | This is construction to permanent file with an interest only period for 1 year. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark as waived. Thank you! |  |  | 10/XX/2024 4:06:58 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303581 | [redacted] | [redacted |  | 33333690 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/XX/2023 disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan. | This is construction to permanent file with an interest only period for 1 year. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark as waived. Thank you! |  |  | 10/XX/2024 4:06:58 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303581 | [redacted] | [redacted |  | 33333691 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 07/XX/2023 with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. | This is construction to permanent file with an interest only period for 1 year. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark as waived. Thank you! |  |  | 10/XX/2024 4:06:58 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303581 | [redacted] | [redacted |  | 33333692 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 07/XX/2023 with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. | This is construction to permanent file with an interest only period for 1 year. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark as waived. Thank you! |  |  | 10/XX/2024 4:06:58 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303581 | [redacted] | [redacted |  | 33333693 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 07/XX/2023 disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | This is construction to permanent file with an interest only period for 1 year. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark as waived. Thank you! |  |  | 10/XX/2024 4:06:58 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303581 | [redacted] | [redacted |  | 33333694 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/XX/2023 disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | This is construction to permanent file with an interest only period for 1 year. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark as waived. Thank you! |  |  | 10/XX/2024 4:06:58 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303581 | [redacted] | [redacted |  | 33333695 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment - Fixed Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/XX/2023 disclosed a maximum periodic principal and interest payment for payment stream 1 that does not match the actual maximum payment for the loan. | This is construction to permanent file with an interest only period for 1 year. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark as waived. Thank you! |  |  | 10/XX/2024 4:06:58 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303581 | [redacted] | [redacted |  | 33333696 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - xx 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 12,880.56 on Final Closing Disclosure provided on 07/XX/2023 are overdisclosed. | This is construction to permanent file with an interest only period for 1 year. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark as waived. Thank you! |  |  | 10/XX/2024 4:06:58 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303581 | [redacted] | [redacted |  | 33333697 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XX0 exceeds tolerance of $XX0 plus 10% or $XX0. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-XX-09): Sufficient Cure Provided At Closing |  | 10/XX/2024 3:18:28 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303581 | [redacted] | [redacted |  | 33333698 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-XX-02): CDA provided and cleared. | 7/XX/2025 1:26:30 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303581 | [redacted] | [redacted |  | 33333699 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 07/XX/2023 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 07/XX/2023). The disclosed Total of Payments in the amount of $XX5.44 is under disclosed by $XX compared to the calculated total of payments of $XX6.16 which exceeds the $XX0 threshold. | This is construction to permanent file with an interest only period for 1 year. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived.<br>Seller Comment (2024-XX-17): Since this is a EV2 Exception can you please mark as waived. Thank you! |  |  | 10/XX/2024 4:06:58 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303581 | [redacted] | [redacted |  | 33812304 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-02): CDA provided and cleared.<br>Reviewer Comment (2025-XX-02): Valuation Received - 07/XX/2025 | 7/XX/2025 1:26:24 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Refinance - Rate/Term |  | D | B | C | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303584 | [redacted] | [redacted |  | 33333717 |  |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy missing for the subject property. |  |  |  | Reviewer Comment (2024-XX-18): Hazard insurance provided, exception cleared.<br>Seller Comment (2024-XX-17): see attached | 10/XX/2024 9:17:19 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303584 | [redacted] | [redacted |  | 33333718 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 03/XX/2024 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | APR increased on 03/XX/2024 CD, this was not within 3 business days of 03/XX/2024 Closing date. |  |  |  | Reviewer Comment (2024-XX-22): SitusAMC received 3-XX-24 CD with electronic signature<br>Seller Comment (2024-XX-22): Disagree- the final CD issued 3/XX/24 has an APR of 7.895 and the last CD issued on 3/XX/24 has an APR of 7.895. There was no increase in APR not disclosed to borrower three days prior.<br>Seller Comment (2024-XX-21): See attached and comment above | 10/XX/2024 3:42:14 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | TRID timing exception, no remediation available. | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303584 | [redacted] | [redacted |  | 33333720 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $XXeeds tolerance of $XXufficient or no cure was provided to the borrower. | TX Guaranty Fee increased on 03/XX/2024 Closing Disclosure with no valid change evident. |  |  |  | Reviewer Comment (2024-XX-18): SitusAMC borrower within tolerance limit.<br>Seller Comment (2024-XX-17): this fee is located in the section that the borrower can shop for. | 10/XX/2024 1:48:02 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303584 | [redacted] | [redacted |  | 33333721 |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Per guidelines 300.04.07.01 Portfolio Matrix - Doctor Loan - Minimum FICO required is 700 for Loan Amount within $XX0, with 100% LTV. | Borrower has verified disposable income of at least $XXBorrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XX.<br>The representative FICO score is above 680.<br>Allowable per seller guidelines. | Borrower has reserves of 9 months when only 6 months are required. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator | Reviewer Comment (2025-XX-30): Client elected to regrade<br>Reviewer Comment (2024-XX-22): Buyer to review.<br>Seller Comment (2024-XX-21): xx to review for Purchase exception.<br>Reviewer Comment (2024-XX-18): Lender's comp factors do not mitigate risk. Referred to buyer<br>Seller Comment (2024-XX-17): Underwriter Director gave a approval exception for Credit score under 700. Score is not low due to derog. credit. 14889/mo residual income-XX- 9 monthis reserves (6 mo required by program) |  |  | 6/XX/2025 4:50:07 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase |  | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303585 | [redacted] | [redacted |  | 33333724 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared. | 7/XX/2025 7:20:01 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303585 | [redacted] | [redacted |  | 33812307 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared.<br>Reviewer Comment (2025-XX-01): Valuation Received - 07/XX/2025 | 7/XX/2025 7:19:55 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303586 | [redacted] | [redacted |  | 33333727 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XX0 exceeds tolerance of $XX0. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-XX-31): Sufficient Cure Provided At Closing |  | 10/XX/2024 7:44:24 AM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Purchase | Final CD evidences Cure | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303586 | [redacted] | [redacted |  | 33333728 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $XX exceeds tolerance of $XX0. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-XX-31): Sufficient Cure Provided At Closing |  | 10/XX/2024 7:44:24 AM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Purchase | Final CD evidences Cure | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303586 | [redacted] | [redacted |  | 33333729 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared.<br>Reviewer Comment (2024-XX-06): Investor to order. No further comment from seller is required.<br>Seller Comment (2024-XX-05): Hello, there is nothing in the guidelines that states a secondary valuation is required on behalf of Fannie Mae. The SSRs show the low Risk Score of 2.6 and 3. If a secondary valuation is requested, please provide an explanation as to why. Thank you. | 7/XX/2025 7:17:20 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | CA | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303586 | [redacted] | [redacted |  | 33333730 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Missing evidence of receipt of $XXft as well as XX proceeds. |  |  |  | Reviewer Comment (2024-XX-27): XX closing statemnt provided.<br>Seller Comment (2024-XX-27):XX/XX<br> AD: Please see main condition uploaded.<br>Reviewer Comment (2024-XX-22): Please provide evidence of transfer of XX proceeds.<br>Seller Comment (2024-XX-21):XX/XX<br> AD: Please see main condition uploaded. | 11/XX/2024 3:11:52 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303586 | [redacted] | [redacted |  | 33333731 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to DTI and Assets. |  |  |  | Reviewer Comment (2024-XX-27): XX closing statemnt provided.<br>Seller Comment (2024-XX-27):XX/XX<br> AD: Please see main condition uploaded.<br>Reviewer Comment (2024-XX-22): Please provide evidence of transfer of XX proceeds.<br>Seller Comment (2024-XX-21):XX/XX<br> AD: Please see main condition uploaded. | 11/XX/2024 3:07:06 PM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303586 | [redacted] | [redacted |  | 33333732 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 60.24337% significantly exceeds the guideline maximum of 46.25%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | X provided for XX being sold, current mortgage must be included for qualification. |  |  |  | Reviewer Comment (2024-XX-11): Received evidence of exclusion of debt. | 11/XX/2024 10:45:59 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303586 | [redacted] | [redacted |  | 33333733 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | XX provided for XX being sold, current mortgage must be included for qualification. |  |  |  | Reviewer Comment (2024-XX-11): Received evidence of exclusion of debt.<br>Seller Comment (2024-XX-07): Hello, please see the attached documents for the fully executed XX proceeds and the executed note. The borrowers netted $XXm the transaction. The fully executed note shows that the monthly payment is $XXXX agreement showing that if the house is not sold within 6 months, then XX will buy the property from the borrowers, so either way the mortgage payment can be omitted. | 11/XX/2024 10:45:46 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303586 | [redacted] | [redacted |  | 33333734 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall due to DTI and assets. |  |  |  | Reviewer Comment (2024-XX-27): XX closing statemnt provided.<br>Reviewer Comment (2024-XX-25): Please provide evidence of transfer ofXX proceeds.<br>Seller Comment (2024-XX-21):XX/XX<br> AD: Please see main condition uploaded. | 11/XX/2024 3:07:06 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303586 | [redacted] | [redacted |  | 33333735 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Closing discrepancy. |  | Missing evidence of receipt of $XXft as well as XX proceeds. |  |  |  | Reviewer Comment (2024-XX-27): XX closing statemnt provided.<br>Seller Comment (2024-XX-27):XX/XX<br> AD: Please see the attached Final AUS and 1003 to document that the $XX not a gift, rather a cash deposit from XX. B3-4.3-14, XX does not state that the funds need to be deposited into the borrower's account. Furthermore, B3-4.3-10, Anticipated Sales Proceeds states that a settlement statement is a sufficient document in order to verify the net proceed amount.The XX used for funds to close should not require proof of funds being deposited into the borrower's account as XX has documented the transaction and availability of the funds via a settlement statement.<br>Seller Comment (2024-XX-27):XX/XX<br> AD: Please see main condition uploaded.<br>Reviewer Comment (2024-XX-25): Please provide evidence of transfer of XX proceeds.<br>Seller Comment (2024-XX-21):XX/XX<br> AD: Please see the following excel sheet for asset breakdown as well as the XX Statements to fully source the $XXred to title from borrower's account. If the 1003 needs to be updated with the correct Bank Statements and AUS as well please let me know.<br>Seller Comment (2024-XX-21):XX/XX<br> AD: Please see the following excel sheet for asset breakdown. | 11/XX/2024 3:03:49 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303586 | [redacted] | [redacted |  | 33333736 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Waterfall due to DTI and assets. |  |  |  | Reviewer Comment (2024-XX-27): XX closing statemnt provided.<br>Reviewer Comment (2024-XX-25): Please provide evidence of transfer of XX proceeds.<br>Seller Comment (2024-XX-21):XX/XX<br> AD: Please see main condition uploaded. | 11/XX/2024 3:03:58 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303586 | [redacted] | [redacted |  | 33333737 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing evidence of receipt of $XXft as well as XX proceeds. |  |  |  | Reviewer Comment (2024-XX-27): XX closing statemnt provided.<br>Seller Comment (2024-XX-27):XX/XX<br> AD: Please see that the $XX not a gift, rather a cash deposit sent from the borrower's bank account. Two months have been provided to fully source the cash deposit. An Updated AUS and final 1003 for the corrected asset lines. Also, B3-4.3-14, XX does not state that the funds need to be deposited into the borrower's account. Furthermore, B3-4.3-10, Anticipated Sales Proceeds states that a settlement statement is a sufficient document in order to verify the net proceed amount. The XXused for funds to close should not require proof of funds being deposited into the borrower's account as UWM has documented the transaction and availability of the funds via a settlement statement.<br>Reviewer Comment (2024-XX-25): Please provide evidence of transfer of XX proceeds.<br>Seller Comment (2024-XX-21):XX/XX<br> AD: Please see main condition uploaded. | 11/XX/2024 3:04:05 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303586 | [redacted] | [redacted |  | 33333738 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to DTI and assets. |  |  |  | Reviewer Comment (2024-XX-27):XX closing statemnt provided.<br>Reviewer Comment (2024-XX-25): Please provide evidence of transfer of XX proceeds.<br>Seller Comment (2024-XX-21):XX/XX<br> AD: Please see main condition uploaded. | 11/XX/2024 3:06:16 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303586 | [redacted] | [redacted |  | 33812308 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-01): CDA provided and cleared.<br>Reviewer Comment (2025-XX-01): Valuation Received - 07/XX/2025 | 7/XX/2025 7:16:55 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | CA | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303588 | [redacted] | [redacted |  | 33333751 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Investor to provide appropriate secondary valuation tool. |  |  |  | Reviewer Comment (2025-XX-02): Cleared with CDA<br>Reviewer Comment (2024-XX-21): Investor to order. No further comment from seller required.<br>Seller Comment (2024-XX-21): appr | 7/XX/2025 4:43:48 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303588 | [redacted] | [redacted |  | 33333752 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $XXeeds tolerance of $XXficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-XX-04): Sufficient Cure Provided At Closing |  | 10/XX/2024 9:12:44 AM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase | Final CD evidences Cure | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223303588 | [redacted] | [redacted |  | 33812309 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-02): Cleared with CDA<br>Reviewer Comment (2025-XX-02): Valuation Received - 07/XX/2025 | 7/XX/2025 4:44:53 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303589 | [redacted] | [redacted |  | 33333754 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List was not provided. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived at seller request.<br>Seller Comment (2024-XX-16): EV2 Exception Please mark as Waived. Thank you. |  |  | 10/XX/2024 6:28:30 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | C | B | A | A | B | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303589 | [redacted] | [redacted |  | 33333755 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 09/XX/2022 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The earliest dated E-Consent is 10/XX/2022 which was after the date of the initial Loan Estimate provided electronically issued 09/XX/2022. |  |  |  | Reviewer Comment (2024-XX-17): EV2 waived at seller request.<br>Seller Comment (2024-XX-16): EV2 Exception Please mark as Waived. Thank you. |  |  | 10/XX/2024 6:37:43 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | C | B | A | A | B | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223303589 | [redacted] | [redacted |  | 33333757 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is missing secondary valuation product required for securitization. |  | Investor to provide. |  |  |  | Reviewer Comment (2025-XX-30): CU score acceptable Loan sold to xx from xx, this was a xx Overlay<br>Reviewer Comment (2024-XX-21): Investor to order. No further comment from seller is required.<br>Seller Comment (2024-XX-21): loe | 6/XX/2025 10:14:00 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | B | A | A | B | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223305538 | [redacted] | [redacted |  | 33365748 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-02): CDA provided and cleared.<br>Reviewer Comment (2025-XX-01): CDA already ordered.<br>Seller Comment (2025-XX-01): Please request PRP to order | 5/XX/2025 12:24:41 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| 223305538 | [redacted] | [redacted |  | 33391912 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-02): CDA provided and cleared.<br>Reviewer Comment (2025-XX-02): Valuation Received - 05/XX/2025 | 5/XX/2025 12:24:31 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| 223305539 | [redacted] | [redacted |  | 33365897 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-02): CDA provided and cleared.<br>Reviewer Comment (2025-XX-01): CDA already ordered.<br>Seller Comment (2025-XX-01): Please request PRP to order | 5/XX/2025 4:58:04 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| 223305539 | [redacted] | [redacted |  | 33365911 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | $XXortfall in coverage, replacement cost estimate not provided. |  |  |  | Reviewer Comment (2025-XX-05): After further review, exception cleared.<br>Seller Comment (2025-XX-05): HOI Memo | 5/XX/2025 12:25:02 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| 223305539 | [redacted] | [redacted |  | 33365923 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Only CD in file is signed/final CD issued 4/XX/25. Please provide all LEs/CDs issued to borrower. |  |  |  | Reviewer Comment (2025-XX-01): Provided and cleared.<br>Seller Comment (2025-XX-01): Initial and LOCK LE and 3 day CD UPLOADED-IN FILE 4/XX/2025. Also attached | 5/XX/2025 3:30:07 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | No Defined Cure | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| 223305539 | [redacted] | [redacted |  | 33365924 |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  |  |  |  |  | Reviewer Comment (2025-XX-01): Provided and cleared.<br>Seller Comment (2025-XX-01): BSA Report & FINAL 1008 showing DTI<br>Reviewer Comment (2025-XX-01): Verified DTI exceeds 41%, please provide BSA to confirm income calculation input.<br>Seller Comment (2025-XX-01): FICO 600-639 with MAX DTI 41%. This file DTI is 39.914%. Please see Prime 90 FICO/MAX DTI pg. 1 of Guidelines. | 5/XX/2025 10:15:29 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| 223305539 | [redacted] | [redacted |  | 33391913 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-02): CDA provided and cleared.<br>Reviewer Comment (2025-XX-02): Valuation Received - 05/XX/2025 | 5/XX/2025 4:57:57 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| 223305539 | [redacted] | [redacted |  | 33405021 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | 1004 in name of XX Appraisal transfer letter not provided. |  |  |  | Reviewer Comment (2025-XX-05): After further review, exception cleared.<br>Seller Comment (2025-XX-05): xx is our Parent Company. | 5/XX/2025 12:29:11 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| 223305540 | [redacted] | [redacted |  | 33366648 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-02): CDA provided and cleared.<br>Reviewer Comment (2025-XX-01): CDA ordered 4/30.<br>Seller Comment (2025-XX-01): Please request PRP to order | 5/XX/2025 3:32:57 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| 223305540 | [redacted] | [redacted |  | 33391914 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-02): CDA provided and cleared.<br>Reviewer Comment (2025-XX-02): Valuation Received - 05/XX/2025 | 5/XX/2025 3:32:51 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| 223305542 | [redacted] | [redacted |  | 33366447 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-02): CDA provided and cleared.<br>Reviewer Comment (2025-XX-01): CDA ordered 4/30.<br>Seller Comment (2025-XX-01): Please request PRP to order | 5/XX/2025 12:25:56 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| 223305542 | [redacted] | [redacted |  | 33391916 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-02): CDA provided and cleared.<br>Reviewer Comment (2025-XX-02): Valuation Received - 05/XX/2025 | 5/XX/2025 12:25:52 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| 223305543 | [redacted] | [redacted |  | 33365848 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-02): CDA provided and cleared.<br>Reviewer Comment (2025-XX-01): CDA ordered 4/30.<br>Seller Comment (2025-XX-01): Please request PRP to order | 5/XX/2025 3:31:22 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| 223305543 | [redacted] | [redacted |  | 33391917 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-02): CDA provided and cleared.<br>Reviewer Comment (2025-XX-02): Valuation Received - 05/XX/2025 | 5/XX/2025 3:31:15 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| 223305544 | [redacted] | [redacted |  | 33368664 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-XX-02): CDA provided and cleared.<br>Reviewer Comment (2025-XX-01): CDA ordered 4/30.<br>Seller Comment (2025-XX-01): Please request PRP to order | 5/XX/2025 5:23:53 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| 223305544 | [redacted] | [redacted |  | 33391918 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-02): CDA provided and cleared.<br>Reviewer Comment (2025-XX-02): Valuation Received - 05/XX/2025 | 5/XX/2025 5:23:48 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| 223305545 | [redacted] | [redacted |  | 33368817 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Secondary valuation is missing. |  |  |  | Reviewer Comment (2025-XX-02): CDA provided and cleared.<br>Reviewer Comment (2025-XX-01): CDA ordered 4/30.<br>Seller Comment (2025-XX-01): Please request PRP to order | 5/XX/2025 12:22:03 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| 223305545 | [redacted] | [redacted |  | 33387002 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Guidelines require 3 months bank statements and CPA prepared P&L. Only have xx printout, need full xx statement. Also missing P&L statement. |  |  |  | Reviewer Comment (2025-XX-01): Provided and cleared.<br>Seller Comment (2025-XX-01): BS uploaded<br>Seller Comment (2025-XX-01): I sent 12 months BS separately please see if you can open them.<br>Seller Comment (2025-XX-01): 12 months BS<br>Seller Comment (2025-XX-01): BS<br>Reviewer Comment (2025-XX-01): BSA spreadsheet received, however no additional statements were submitted. Exception remains.<br>Seller Comment (2025-XX-01): Please see 12 months BS and BSA Report | 5/XX/2025 8:28:07 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| 223305545 | [redacted] | [redacted |  | 33387009 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Guidelines require 3 months bank statements and CPA prepared P&L. Only have xx printout, need full xx statement. Also missing P&L statement. |  |  |  | Reviewer Comment (2025-XX-01): Provided and cleared.<br>Seller Comment (2025-XX-01): Qualified Mortgage | 5/XX/2025 8:29:08 PM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes |
| 223305545 | [redacted] | [redacted |  | 33387010 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay – Bank Statement Guidelines Require Less than 12 Months | Ability to Repay (Dodd-Frank 2014): Guidelines require less than 12 consecutive months bank statements. | Guidelines require 3 months bank statements and P&L, P&L not provided. |  |  |  | Reviewer Comment (2025-XX-01): Provided and cleared.<br>Seller Comment (2025-XX-01): BS uploaded<br>Seller Comment (2025-XX-01): 12 months BS | 5/XX/2025 8:28:38 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| 223305545 | [redacted] | [redacted |  | 33387011 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Guidelines require 3 months bank statements and CPA prepared P&L. Only have xx printout, need full xx statement. Also missing P&L statement. |  |  |  | Reviewer Comment (2025-XX-01): Provided and cleared.<br>Seller Comment (2025-XX-01): BS uploaded<br>Seller Comment (2025-XX-01): 12 m BS | 5/XX/2025 8:28:38 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| 223305545 | [redacted] | [redacted |  | 33387055 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Guidelines require 3 months bank statements and CPA prepared P&L. Only have xx printout, need full xx statement. Also missing P&L statement. |  |  |  | Reviewer Comment (2025-XX-01): Provided and cleared.<br>Seller Comment (2025-XX-01): 12 mon BS uploaded | 5/XX/2025 8:27:59 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| 223305545 | [redacted] | [redacted |  | 33387060 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Guidelines require 3 months bank statements and CPA prepared P&L. Only have xx printout, need full xx statement. Also missing P&L statement. |  |  |  | Reviewer Comment (2025-XX-01): Provided and cleared.<br>Seller Comment (2025-XX-01): BS uploaded<br>Seller Comment (2025-XX-01): 12 M BS | 5/XX/2025 8:27:54 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| 223305545 | [redacted] | [redacted |  | 33387073 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Guidelines require 3 months bank statements and CPA prepared P&L. Only have xx printout, need full xx statement. Also missing P&L statement. |  |  |  | Reviewer Comment (2025-XX-01): Provided and cleared.<br>Seller Comment (2025-XX-01): BS uploaded<br>Seller Comment (2025-XX-01): 12 M BS | 5/XX/2025 8:29:08 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| 223305545 | [redacted] | [redacted |  | 33391919 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2025-XX-02): CDA provided and cleared.<br>Reviewer Comment (2025-XX-02): Valuation Received - 05/XX/2025 | 5/XX/2025 12:22:49 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Non QM | Non QM | No |
| 223334125 | [redacted] | [redacted |  | 33396965 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | Most Recent Valuation Inspection Date: 08/XX/2024 <br> Disaster End Date: [redacted]<br> Disaster Name: [redacted]<br> Disaster Declaration Date: [redacted] |  |  |  | Reviewer Comment (2024-XX-26): Received Property Inspection Report.<br>Seller Comment (2024-XX-25): see attached Disasster Cert<br> XX Disaster Cert.pdf (Appraisal) was uploaded<br>Reviewer Comment (2024-XX-17): The most recent disaster end date is 08/XX/2024 however valuation inspection date is 08/XX/2024 which is earlier than disaster end date, please provide recent Property Disaster Inspection report. Exception remains.<br>Seller Comment (2024-XX-16): XX moved through Florida on XX. Appraisal attached is datedXX/XX<br> and Notes there was no flood damage due to XX on Pg.1. Please clear<br> X Appraisal with no damage comments on pg1.pdf (Appraisal) was uploaded | 9/XX/2024 5:43:16 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223334125 | [redacted] | [redacted |  | 33396967 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  |  |  |  |  | Reviewer Comment (2025-XX-18): Inspection provided.<br>Seller Comment (2025-XX-17): Please see XX attached<br> class_XX(XX)-V1.pdf (Unclassified) was uploaded | 3/XX/2025 7:17:19 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223444777 | [redacted] | [redacted |  | 33498905 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.58335% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XX (an overage of $XX or .58335%). | The Points and Fees allowable maximum for the subject loan is 3%, the fee percentage charged on the loan showing is 3.5878%, loan amount of $XX878% = $XXerage of $XX. |  |  |  | Reviewer Comment (2025-XX-12): Non-QM loan fee testing not applicable for this program.<br>Buyer Comment (2025-XX-06): This is a NON-QHEM program and does not follow the FNMA 3% Points and Fees test. It is 5%. NON-QHEM loans will never meet the 3 % FNMA QM test. | 2/XX/2025 2:17:30 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes |
| 223444779 | [redacted] | [redacted |  | 33498912 |  |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 5.95338% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XX025). FNMA Finance Charge total $XX a Original Loan Amount of $XX. an allowable total of $XXd $XX025) (an overage of $XX or .95338%). |  |  |  |  | Reviewer Comment (2025-XX-10): Client elected to turn off FNMA testing | 2/XX/2025 12:39:43 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | UT | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | A | A | A | B | A | A | A | Non QM | N/A | Yes |
| 223444780 | [redacted] | [redacted |  | 33498914 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The Right to Received an Appraisal Disclosure was not provided to the borrower 3 business days prior to closing. |  |  |  | Reviewer Comment (2025-XX-20): Acknowledgement Appraisal Receipt date of 01/XX/25 provided, exception cleared.<br>Buyer Comment (2025-XX-20): Document uploadXX/XX<br> and still pending, please clear.<br>Buyer Comment (2025-XX-14): POD for appraisal uploaded | 2/XX/2025 2:30:16 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | FL | Investment | Purchase |  | B | A | A | A | B | A | A | A | Non QM | N/A | No |
| 223444781 | [redacted] | [redacted |  | 33498915 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The last property inspection date is 12/XX/2024 There was FEMA disaster dated 01/XX/2025. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2025-XX-04): PDI provided, exception cleared.<br>Buyer Comment (2025-XX-04): PDI uploaded | 3/XX/2025 5:56:52 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223444781 | [redacted] | [redacted |  | 33498917 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title Policy amount is not given on Title Preliminary document. |  |  |  | Reviewer Comment (2025-XX-04): Title supplemental provided, exception cleared.<br>Buyer Comment (2025-XX-03): Supplement report including loan amount already included in original upload, D0525 pg 481. Reupload, Please clear | 3/XX/2025 5:57:09 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223444781 | [redacted] | [redacted |  | 33498920 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations dated 12/XX/2024 was not provided to applicant within three business days of application of 11/XX/2024. |  |  |  | Reviewer Comment (2025-XX-05): Disclosure provided timely based on RESPA'S definition of business day.<br>Buyer Comment (2025-XX-03): Application taken on 11/XX, your team is not accounting for the Thanksgiving holiday which was 11/XX-XX. Initial docs were issued within the three days. Please escalation and clear this item. | 3/XX/2025 8:01:58 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223444781 | [redacted] | [redacted |  | 33498922 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial LE dated 12/XX/24 was not provided within 3 days of application of 11/XX/24. |  |  |  | Reviewer Comment (2025-XX-05): SitusAMC received lender attestation and confirmation that company holiday included after Thanksgiving holiday to include Friday xx. LE sent within 3 business days of application.<br>Reviewer Comment (2025-XX-04): Application date of xx would require the Initial LE to be sent by 12-XX-24, which is 3 business days and not counting 11-xx Thursday for holiday. 11-xx Wed, skip 11-xx Thursday, Day xx is Fri 11-xx (not a federal holiday), December xx Monday is day xx and December xx Tuesday is day xx. LE not sent until 12-xx and timing was not met.<br>Buyer Comment (2025-XX-03): Application was taken on /xx, your team in not accounting for the Thanksgiving holiday which was 11/xx-xx. Initial docs were issued within the three days. Please escalate and clear this item | 3/XX/2025 2:55:26 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223444781 | [redacted] | [redacted |  | 33498923 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. |  |  |  |  | Reviewer Comment (2025-XX-05): Received appraisal receipt confirmation, exception cleared.<br>Buyer Comment (2025-XX-05): POD for updated appraisal uploaded<br>Buyer Comment (2025-XX-03): Please clear, per the appraisal the original effective date was 12/XX/24, the updated appraisal was 2/6 | 3/XX/2025 1:31:52 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223444789 | [redacted] | [redacted |  | 33498935 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception in file approving paid in kind Loan must be treated as Cash-out. Compensating factor is Borrower is an Experienced Investor. | Borrower's Experience/Track Record | Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 3 Properties and has Completed 2 Properties. | SitusAMC,Originator | Reviewer Comment (2025-XX-04): Client elects to downgrade and waive based on the following compensating factor:<br>Borrower's Experience/Track Record. The borrower has: 4 Years of Experience. Currently holds 3 Properties and has Completed 2 Properties. |  |  | 2/XX/2025 12:28:02 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Investment | Refinance - Rate/Term |  | B | B | B | B |  |  | A | A |  | N/A | No |
| 223444791 | [redacted] | [redacted |  | 33498938 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing for, [redacted]. |  |  |  | Reviewer Comment (2025-XX-14): Certificate of Good Standing provided, exception cleared.<br>Buyer Comment (2025-XX-11): See Cert. of Good Standing | 2/XX/2025 1:02:04 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | SC | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223444796 | [redacted] | [redacted |  | 33498945 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard insurance policy effective date is after the note date. |  |  |  | Reviewer Comment (2025-XX-24): HOI effective date is the same day as the disbursement date<br>Buyer Comment (2025-XX-24): Please provide an update, Final HUD with disbursement date ofXX/XX<br> allows HOI effective of same date to be sufficient. Please clear<br>Buyer Comment (2025-XX-19): per final HUD, settlement and disbursement date 2/10, HOI effective date is sufficient, please clear | 2/XX/2025 3:18:34 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223444799 | [redacted] | [redacted |  | 33498950 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The file is missing a Fraud Report for the borrower entity. |  |  |  | Reviewer Comment (2025-XX-07): OFAC for the entity provided<br>Buyer Comment (2025-XX-07): Uploaded search from OFAC website showing no hits. Please clear.<br>Buyer Comment (2025-XX-07): As previously stated, the entity xx is on the LDP/GSA (fraud report). See page 125. please clear this.<br>Reviewer Comment (2025-XX-06): The OFAC is missing for the entity. The entity is not listed as participant for the OFAC search.<br>Buyer Comment (2025-XX-05): Please provide status<br>Buyer Comment (2025-XX-03): Please see Fraud Report in original loan file (page 125), borrowers LLC "XX" is shown. Please clear. | 2/XX/2025 2:58:00 PM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | VA | Investment | Refinance - Cash-out - Other |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 223444808 | [redacted] | [redacted |  | 33498959 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-XX-11): Form 442 provided<br>Buyer Comment (2025-XX-06): See uploaded 1004D. | 3/XX/2025 4:27:49 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Investment | Purchase |  | C | A | A | A |  |  | C | A |  | N/A | No |
| 223505818 | [redacted] | [redacted |  | 33579915 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Request: Borrower lives rent free.<br> Borrower has been living rent free for 35 years with his brother but is a seasoned investor.<br> The compensating factor and exception approval are missing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record | Reserves: 33.91<br> Guideline Requirement: 6.00<br>Seasoned investor owning 6 properties or more. | SitusAMC,Aggregator<br>Aggregator | Reviewer Comment (2024-XX-02): Client elects to waive<br>Seller Comment (2024-XX-30): 1008 WITH COMPENSATING FACTORS<br> xx- 1008 xx.pdf (Unclassified) was uploaded |  |  | 8/XX/2024 8:04:20 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | MA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505819 | [redacted] | [redacted |  | 33579917 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The OFAC for the Business entity was not provided in the loan file. |  |  |  | Reviewer Comment (2024-XX-22): Received OFAC search for business entity.<br>Seller Comment (2024-XX-21): see attached OFAC<br> XX OFAC 1.pdf (Unclassified) was uploaded<br>Reviewer Comment (2024-XX-21): Provided OFAC search in Fraud Report is for both the Guarantor and we are still missing OFAC search for the Business Entity, exception remains.<br>Seller Comment (2024-XX-20): OFAC on pg 67 of previously provided Fraud Report<br> XX OFAC on pg 67 of XX.pdf (Unclassified) was uploaded<br>Reviewer Comment (2024-XX-18): Received Fraud report however missing OFAC search for borrowing business entity. Exception Remains.<br>Seller Comment (2024-XX-17): see page 67 of fraud report first column states OFAC<br> XX.pdf (Unclassified) was uploaded<br>Reviewer Comment (2024-XX-17): Received Fraud report however missing OFAC search for borrowing entity.<br>Seller Comment (2024-XX-15): OFAC in Fraud report<br> XX.pdf (Unclassified) was uploaded | 5/XX/2024 7:35:32 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | PA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505819 | [redacted] | [redacted |  | 33579918 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lenber approved exception with compensating factors for taxes past due at the time of application. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The DSCR of 1.41 | Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-XX-14): Client elects to waive with compensating factors |  |  | 5/XX/2024 6:06:39 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | PA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505821 | [redacted] | [redacted |  | 33579954 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-XX-12): Received Approval document, doc associated. Exception Cleared<br>Buyer Comment (2022-XX-11): see approval | 4/XX/2022 9:50:38 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | SC | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223505822 | [redacted] | [redacted |  | 33579958 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | [redacted] |  |  |  | Reviewer Comment (2022-XX-19): Corporate Resolution not required for LLC. Exception cleared<br>Buyer Comment (2022-XX-18): Business is a Limited Liability Company. State of Florida does not require Corp. Resolutions for an LLC. Per the Company Operating Agreement xx owns 90% and xx owns 10%. Please Clarify where in the GL's that a Corp Resolution is required when have the Operating Agreement and Articles for Company.<br>Reviewer Comment (2022-XX-12): As per operating agreement there are 2 members on this business & Note is signed by only 1 borrower, need corporate resolution for other borrower (xx). Exception Remains.<br>Buyer Comment (2022-XX-11): Entity is an LLC - Corporate Resolutions are not required.<br>Buyer Comment (2022-XX-11): LLC Docs | 4/XX/2022 10:53:52 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223505822 | [redacted] | [redacted |  | 33579959 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-XX-12): Received Approval document, doc associated. Exception Cleared<br>Buyer Comment (2022-XX-11): uploaded 1008 & approval | 4/XX/2022 9:58:58 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223505822 | [redacted] | [redacted |  | 33579962 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing verification Borrower's ownership percentage in xx to support use of XX business assets for down payment, closing and reserves |  |  |  | Reviewer Comment (2022-XX-20): cleared<br>Reviewer Comment (2022-XX-20): Provided LOE is post to note dated , which is not acceptable , Exception remains.<br>Buyer Comment (2022-XX-19): Uploaded LOE - Access to funds<br>Reviewer Comment (2022-XX-12): Both members of the LLC are not on the loan.<br>Buyer Comment (2022-XX-12): Per the Company Operating Agreement xx owns 90% and xx owns 10% and xx is the Managing Member. In as such, why would an access to funds letter be required?<br>Buyer Comment (2022-XX-11): See LLC docs uploaded for Corp Res docs exceiption - XX- xx is 90% owner of Business and xx is 10% owner perSection III. of LLC Operating Agreement and has all asscess to funds. | 4/XX/2022 4:05:02 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223505823 | [redacted] | [redacted |  | 33579963 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 1. Allow 16 properties financed with XX with an aggregate principal balance of $XXw no primary housing history due to borrower living rent free with daughter since 2011.<br> 3. Allow actual rental income of $XX per month for subject property to be documented with copy of signed lease and cash receipts as tenant pays rent in cash (market rent is $XX per month per the appraisal but actual rent of $XXr month is being used to qualify. Lender Accept exception. | The representative FICO score exceeds the guideline minimum by at least 40 points. | LTV is 65.000%<br> Credit score is 765<br> Reserves 105.74 months<br> DSC is 130.997%<br> Borrower has been self-employed as Owner of [redacted] for the past 10 years<br> No Public Records and no late payments on credit report going back to earliest overall inception in 08/2010 | SitusAMC,Originator | Reviewer Comment (2022-XX-11): Lender exception approved with compensating factors |  |  | 4/XX/2022 10:10:09 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505823 | [redacted] | [redacted |  | 33579965 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2022-XX-14): Received Certificate of Good Standing, doc associated. Exception Cleared<br>Buyer Comment (2022-XX-13): Uploaded Cert. of Good Standing. | 4/XX/2022 11:16:28 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505824 | [redacted] | [redacted |  | 33579966 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | 1 month bank statement provided, guidelines require 2 months verification of funds. |  |  |  | Reviewer Comment (2022-XX-15): Cleared<br>Buyer Comment (2022-XX-13): Two months bank statements for xx account along with activity printouts updating the balance in the account are attached for your review. | 4/XX/2022 9:08:52 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223505824 | [redacted] | [redacted |  | 33579970 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | 1003 shows XX with a balance of $XXne bank statement in file with a balance of $XX. |  |  |  | Reviewer Comment (2022-XX-15): Cleared<br>Buyer Comment (2022-XX-13): Please see the attached account activity statements updating the available balance in the xx acct ending in xx to $XX. | 4/XX/2022 9:13:04 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223505824 | [redacted] | [redacted |  | 33579971 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing verification of sufficient assets for closing and reserves. |  |  |  | Reviewer Comment (2022-XX-15): Cleared<br>Buyer Comment (2022-XX-13): The Borrower's current balance in xx acct ending in xx is $XXs needed to close are $XXning balance after closing = $XX divided by the PITI of $XX = $XXonths reserves. | 4/XX/2022 9:13:12 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223505825 | [redacted] | [redacted |  | 33579972 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow no primary housing history due to Borrower living rent-free with his mother (who is the owner of that property) for the past 6 years vs program restriction that Borrowers without mortgage or rental housing history including Borrowers living rent-free are not eligible but will be considered on an exception basis. Lender granted exception in file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Comp factors used to waive exception.<br>Comp factor used to waive exception. | SitusAMC,Originator<br>SitusAMC,Originator | Reviewer Comment (2022-XX-12): Comp factors used to waive exception. |  |  | 4/XX/2022 5:49:07 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505825 | [redacted] | [redacted |  | 33579973 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing Certificate of Good Standing. |  |  |  | Reviewer Comment (2022-XX-14): Received Certificate of Good Standing, doc associated. Exception Cleared<br>Buyer Comment (2022-XX-13): The Certificate of Good Standing is attached for your review. | 4/XX/2022 11:00:12 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505825 | [redacted] | [redacted |  | 33579974 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Missing Corporate Resolution. |  |  |  | Reviewer Comment (2022-XX-14): Borrower is the sole owner of business hence corporate resolution is not required. Exception Cleared<br>Buyer Comment (2022-XX-13): The LLC Documentation is attached for your review. | 4/XX/2022 11:03:16 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505825 | [redacted] | [redacted |  | 33579975 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Allow no primary housing history due to Borrower living rent-free with his mother (who is the owner of that property) for the past 6 years vs program restriction that Borrowers without mortgage or rental housing history including Borrowers living rent-free are not eligible but will be considered on an exception basis. Lender granted exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Comp factor used to waive exception. | SitusAMC,Originator | Reviewer Comment (2022-XX-11): Lender exception approved with compensating factors |  |  | 4/XX/2022 4:49:15 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505826 | [redacted] | [redacted |  | 33579977 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-XX-15): Received Approval document, doc associated. Exception Cleared<br>Buyer Comment (2022-XX-14): see approval | 4/XX/2022 11:32:28 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223505827 | [redacted] | [redacted |  | 33579979 |  |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | The lease agreement provided in file does not include all pages, provide a complete lease agreement. |  |  |  | Reviewer Comment (2022-XX-21): Cleared<br>Buyer Comment (2022-XX-19): Uploaded the exception and appraisal that states lease agreements are not required per the exception and to use market rents as stated on the appraisal uploaded.<br>Buyer Comment (2022-XX-19): Appraisal<br>Buyer Comment (2022-XX-19): Exception | 4/XX/2022 11:08:16 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505827 | [redacted] | [redacted |  | 33579981 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Missing verification of housing pay history. |  |  |  | Reviewer Comment (2022-XX-21): Cleared<br>Buyer Comment (2022-XX-19): Uploaded the credit report supplement that reflects the Housing History Payments for the borrowers primary residence at 1xx along with the xx bank Mortgage statement and the HELOC with XX. In addition upoloaded the cancelled rent check for the prior rental payments at xx resulting in a 12 month payment history. Please clear.<br>Buyer Comment (2022-XX-19): Copies of cancelled check rent payments for previous residence 1xx<br>Buyer Comment (2022-XX-19): XX HELOC statement<br>Buyer Comment (2022-XX-19): xx Bank Statement<br>Buyer Comment (2022-XX-19): Credit Report Supplement | 4/XX/2022 11:08:55 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505827 | [redacted] | [redacted |  | 33579982 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow use of Appraisal Market Rent of $XX in lieu of actual rent amounts vs program requirement that Lenders must review the purchase agreement to determine if the subject is being sold subject to tenancy. If so the Lender may rely on the rents set forth in the purchase agreement | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XX. | LTV is 71.269%, 8.731% < program maximum of 80%<br> Credit score is 784, 64 points > program requirement of 720<br> No public records | SitusAMC<br>SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2022-XX-11): Compensating factors used to waive exceptions |  |  | 4/XX/2022 4:43:47 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505828 | [redacted] | [redacted |  | 33579983 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception to policy: Allow 16 properties financed with XX with an aggregate principal balance of $XX0. Lender exception approval in file. | The representative FICO score exceeds the guideline minimum by at least 40 points. | LTV is 65.00%<br> Credit score is 765<br> Reserves are 103.21 months<br> DSC is 148.277%<br> Borrower has been self-employed as Owner of [redacted] for the past 10 years<br> Borrower has 17 open and 12 closed mortgages reporting 0x30 since inceptions<br> No Public Records and no late payments on credit report going back to earliest overall inception on 08/2010. | SitusAMC,Originator | Reviewer Comment (2022-XX-12): Lender exception approval with compensating factors in file. |  |  | 4/XX/2022 3:20:38 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505828 | [redacted] | [redacted |  | 33579984 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval is missing. |  |  |  | Reviewer Comment (2022-XX-15): Received Approval document, doc associated. Exception Cleared<br>Buyer Comment (2022-XX-15): Approval uploaded for your review. | 4/XX/2022 10:38:50 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505828 | [redacted] | [redacted |  | 33579985 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing. |  |  |  | Reviewer Comment (2022-XX-15): Received Certificate of Good Standing, doc associated. Exception Cleared<br>Buyer Comment (2022-XX-15): Certificate of Good Standing uploaded for your review. | 4/XX/2022 10:39:51 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505828 | [redacted] | [redacted |  | 33579987 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception to policy: Allow no primary history due to borrower living rent free with daughter since 2011. Lender Approved exception. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | LTV is 65.00%<br> Credit score is 765<br> Reserves are 103.21 months<br> DSC is 148.277%<br> Borrower has been self-employed as Owner of [redacted] for the past 10 years<br> Borrower has 17 open and 12 closed mortgages reporting 0x30 since inceptions<br> No Public Records and no late payments on credit report going back to earliest overall inception on 08/2010. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-XX-13): Lender granted exception approval in loan file. |  |  | 4/XX/2022 5:03:45 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505828 | [redacted] | [redacted |  | 33579988 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception to policy: Allow actual rental income of $XX per month for subject property to be documented with copy of signed leases and cash receipts as the tenants pay rent in case (market rent per appraisal is $XX per month, however the lower actual rent pf $XX per month is being used to qualify). Lender Approved exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has owned the subject property for at least 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | LTV is 65.00%<br> Credit score is 765<br> Reserves are 103.21 months<br> DSC is 148.277%<br> Borrower has been self-employed as Owner of [redacted] for the past 10 years<br> Borrower has 17 open and 12 closed mortgages reporting 0x30 since inceptions<br> No Public Records and no late payments on credit report going back to earliest overall inception on 08/2010. | SitusAMC<br>SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-XX-13): Lender granted exception approval in loan file. |  |  | 4/XX/2022 5:04:00 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505829 | [redacted] | [redacted |  | 33579990 |  |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | No Lease agreement in place. |  |  |  | Reviewer Comment (2022-XX-20): cleared<br>Buyer Comment (2022-XX-19): The property is rented through Airbnb. Please see attached. | 4/XX/2022 4:24:18 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505829 | [redacted] | [redacted |  | 33579991 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.69 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  |  |  | Reviewer Comment (2022-XX-20): Cleared<br>Buyer Comment (2022-XX-19): Please see the Underwriters Income Calculator. The Underwriter used the gross monthly rent from the Income Operating Statement to qualify. | 4/XX/2022 4:31:43 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505829 | [redacted] | [redacted |  | 33579992 |  |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | No Lease agreement in place. |  |  |  | Reviewer Comment (2022-XX-20): cleared<br>Buyer Comment (2022-XX-19): The subject property is rented as a xx property. See attached for your review. | 4/XX/2022 4:28:40 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505829 | [redacted] | [redacted |  | 33579993 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow use Form 1007 Rent Schedule to qualify is based on property being renovated upon acquisition. Lender Countered exception. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | LTV is 60.000%<br> Credit score is 758<br> Reserves are 214.95 months<br> No public records and no late payments on credit report<br> Borrower has 6 open mortgages and 2 closed mortgages on credit report, all rated 0x30 since inception. | SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2022-XX-18): Lender granted exception approval in loan file. |  |  | 4/XX/2022 10:49:15 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505830 | [redacted] | [redacted |  | 33579994 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  |  |  |  |  | Reviewer Comment (2022-XX-15): Received Grant deed from spouse of borrower , no requirement for spousal consent ,Exception cleared.<br>Buyer Comment (2022-XX-14): see borrower grant deed | 4/XX/2022 11:50:03 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Refinance - Cash-out - Other |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 223505830 | [redacted] | [redacted |  | 33579996 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Missing Lease Agreement for unit #5 |  |  |  | Reviewer Comment (2022-XX-18): Cleared<br>Buyer Comment (2022-XX-15): see lease agreement - unit 4 is now month to month, as month to month rental agreement states, tenant has been there since 2015<br>Reviewer Comment (2022-XX-15): Doc Id 45 already given in file not confirm for which property lease agreement is missing , we could verify lease agreement for unit #1,2,3, and 117 , missing for Unit#4 , Exception remains.<br>Buyer Comment (2022-XX-14): there are 5 units but the unit numbers aren't consecutive; units are 1, 2, 3, 4, 117 - which are reflected on the appraisal | 4/XX/2022 9:03:35 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Refinance - Cash-out - Other |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 223505830 | [redacted] | [redacted |  | 33579997 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | UCDP and or LCA are not in file. |  |  |  | Reviewer Comment (2022-XX-18): Cleared<br>Reviewer Comment (2022-XX-15): Secondary valuation i.e., CDA/ARR is required for securitization purpose for I 12 files , Exception remains.<br>Buyer Comment (2022-XX-14): commercial properties will not have USCP or LCA.<br>Buyer Comment (2022-XX-14): see borrower appraisals | 4/XX/2022 8:47:47 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | CA | Investment | Refinance - Cash-out - Other |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 223505830 | [redacted] | [redacted |  | 33579999 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject transaction is a cash out refinance. Neither report gave a score, which would require approval from XX's appraisal review department." |  |  |  | Reviewer Comment (2022-XX-26): Approval from XXs Appraisal Review Department provided. Exception cleared<br>Buyer Comment (2022-XX-25): See XX approval of appraisal | 4/XX/2022 11:35:12 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Refinance - Cash-out - Other |  | D | A | C | A |  |  | D | A |  | N/A | No |
| 223505831 | [redacted] | [redacted |  | 33580001 |  |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | No Lease agreement in place. |  |  |  | Reviewer Comment (2022-XX-10): Cleared<br>Buyer Comment (2022-XX-10): see revised appraisal reflexcting owner occ<br>Reviewer Comment (2022-XX-09): If the subject is owner occupied, please correct the 1004 to reflect owner and not tenant occupied.<br>Buyer Comment (2022-XX-06): The CD reflects that there were no leases transferred to buyer , previously provide letter from owner confirming she occupies the subject as her primary residence and has never rented the property. Please clear or escalate<br>Reviewer Comment (2022-XX-19): Please provide corrected 1004 reflecting correct occupancy.<br>Buyer Comment (2022-XX-18): See LOE from Rhonda Pippo reflecting subject was owner occupied at the time of closing<br>Reviewer Comment (2022-XX-15): Purchase contract line item 165 reflects leases are to be transferred to Borrower.<br>Buyer Comment (2022-XX-14): Per guidelines leases are only required if the transaction is subject to tenancy, no where in the purchase agreement does it reflect subject is subject to tenancy, in addition the owner of the property confirms subject is not leased<br>Buyer Comment (2022-XX-14): - | 5/XX/2022 10:37:43 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | LA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223505831 | [redacted] | [redacted |  | 33580002 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval is missing. |  |  |  | Reviewer Comment (2022-XX-15): Received approval , exception cleared.<br>Buyer Comment (2022-XX-14): see final approval | 4/XX/2022 10:59:39 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | LA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223505831 | [redacted] | [redacted |  | 33580003 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  |  |  |  |  | Reviewer Comment (2022-XX-15): Documentation provided. Exception cleared.<br>Buyer Comment (2022-XX-14): fraud report /deed reflects borrower primary is free and clear - per guidelines borrower tax and insurance on property is current therefore pay history is not required<br>Buyer Comment (2022-XX-14): - | 4/XX/2022 3:47:09 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | LA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223505832 | [redacted] | [redacted |  | 33580006 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing evidence of access to funds for account ending #xx, document is required and needs to be provided. |  |  |  | Reviewer Comment (2022-XX-22): Cleared<br>Buyer Comment (2022-XX-21): The Access Letter signed by the non-borrowing partner, xx, has already been provided and acknowledged on 04.14.2022.Thank you.<br>Reviewer Comment (2022-XX-20): Operating agreement reflects 2 partners however only one is reflected as Borrower. Please provide evidence of access to business funds.<br>Buyer Comment (2022-XX-19):xx reflecting xx' and borrower's percent of ownership.<br>Reviewer Comment (2022-XX-15): As long as bank statement reads holder name only as Business name , we would required ownership % of borrower "xx" , this letter shows person "xx " given access to borrower to use the funds who is not on the bank statement , Exception remains.<br>Buyer Comment (2022-XX-14): Access Letter to [redacted] accounts xx and xx. | 4/XX/2022 9:00:27 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223505832 | [redacted] | [redacted |  | 33580007 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing evidence of access to funds for account ending #xx, document is required and needs to be provided. |  |  |  | Reviewer Comment (2022-XX-18): Cleared<br>Buyer Comment (2022-XX-14): Access Letter to [redacted] accounts xx and xx. | 4/XX/2022 8:47:56 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223505832 | [redacted] | [redacted |  | 33580008 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing source of fund deposit for the EMD. |  |  |  | Reviewer Comment (2022-XX-06): Cleared<br>Buyer Comment (2022-XX-04): [redacted] asset statement reflecting EMD debit of $XX page 2. | 5/XX/2022 1:38:57 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223505833 | [redacted] | [redacted |  | 33580009 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | 1003 and Bank Statements show checking account withXX currency. Based on the exchange rate to U.S. Dollars on 03/XX/22 the funds verified are insufficient for funds needed for closing and reserves. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XX. | Comp factors used to waive exception | Originator<br>SitusAMC | Reviewer Comment (2022-XX-05): Comp factors used to waive exception<br>Buyer Comment (2022-XX-05): see approved exception<br>Reviewer Comment (2022-XX-20): Translators note does note indicate that figures are in USD only the exchange rate. all balance and debit amounts are reflected as BRL per the statement<br>Buyer Comment (2022-XX-19): Please escalate as the translator is clearly stating they already translated all the figures from the Real to US dollars and what date/conversion rate was used; reflects "Translators Note: Exchange Rate according to the website bcb.gov.br on xx2022 1.00 USD + 4.76 BRL"<br>Reviewer Comment (2022-XX-18): Statement reflects balance as BRL not USD. translator statement only reflects exchange rate at time of statement.<br>Buyer Comment (2022-XX-14): It should be noted at the bottom of the 3-24 statement AMC will see "translators note" which confirms funds on the statement have been translated from foreign currency to US Dollars. It appears AMC is using applying another conversion which has already been completed by the translator<br>Buyer Comment (2022-XX-14): Please provide AMC's calculations, clarify what foreign balance you are using and exchange rate/effective date |  |  | 5/XX/2022 10:19:14 AM | 2 | C | B | C | B | C | B | C | B | C | B |  | FL | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505834 | [redacted] | [redacted |  | 33580012 |  |  | Credit | Guideline | Guideline Issue | Guideline | There are more than six loans for one of the borrowers, which exceeds guideline allowance. |  | 16 loans sold to XX exceeds maximum 6 allowed. Allow 16 properties financed with XX with an aggregate principal balance of $XX. program restriction that no Borrower may be obligated for more than 6 loans that have been sold to XX, then additional loans for which such person is a Borrower are ineligible for sale to XX. No Borrower may be obligated for loans sold to XX with an aggregate principal amount of $XXmore then additional loans on which such person is a Borrower are ineligible for sale to XX. Lender's Exception Approval is in file. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 64.20 months > 40 months | SitusAMC<br>SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2022-XX-12): Compensating factors used to waive exception |  |  | 4/XX/2022 4:18:51 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505834 | [redacted] | [redacted |  | 33580014 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Borrower has no verified housing history. Borrower lives rent free at XX 13 years. Borrowers without mortgage or rental housing history including borrowers living rent free are not eligible but will be considered on an exception basis. Lender's Exception Approval is in file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | 64.20 months > 40 months | SitusAMC<br>SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2022-XX-12): Compensating factors used to waive exception |  |  | 4/XX/2022 4:20:24 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505834 | [redacted] | [redacted |  | 33580015 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow actual rental income of $XX month for subject property to be documented with copy of signed leases vs program requirement that if the appraisal indicates that the subject property is occupied, then to determine the actual rent . Lenders must obtain the leases in effect. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | 64.20 months > 40 months | SitusAMC,Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-XX-12): Compensating factors used to waive exception |  |  | 4/XX/2022 4:19:44 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505834 | [redacted] | [redacted |  | 33580016 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject transaction is a cash out refinance. Neither report gave a score, which would require approval from XX's appraisal review department. |  |  |  | Reviewer Comment (2022-XX-02): Cleared<br>Buyer Comment (2022-XX-28): Approval from Appraisal Review uploaded for your review. | 5/XX/2022 10:06:59 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505835 | [redacted] | [redacted |  | 33580018 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Missing evidence of satisfactory rental payment history for Borrower's [redacted] primary residence. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender comp factor | SitusAMC<br>SitusAMC,Originator | Reviewer Comment (2022-XX-26): Lender granted an exception<br>Buyer Comment (2022-XX-24): See Exception Approval uploaded.<br>Reviewer Comment (2022-XX-12): Exception is for verification of primary rent expense. Please provide VOR or lease and 12 months history forXX.<br>Buyer Comment (2022-XX-11): See docs for Rent pmts; Rentals, Mtgs XX. |  |  | 5/XX/2022 12:46:34 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | FL | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505835 | [redacted] | [redacted |  | 33580019 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Missing Lease Agreemnents for unit #1 and unit #2 to support $XX and $XX gross monthly rents. Subject appraised tenant occupied |  |  |  | Reviewer Comment (2022-XX-12): Airbnb statements provided. Exception cleared.<br>Buyer Comment (2022-XX-11): See Rent histories uploaded. No Lease Agreements- Properties are short term rentals XX | 4/XX/2022 3:43:54 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505835 | [redacted] | [redacted |  | 33580020 |  |  | Credit | Credit | Credit Documentation | Credit | Borrower does not own current residence and thus casts doubt on business purpose of loan. |  | Missing evidence of satisfactory rental payment history for Borrower's [redacted] primary residence. |  |  |  | Reviewer Comment (2022-XX-12): Cleared<br>Buyer Comment (2022-XX-11): See Rents Pay History in Except #1. BWR owns multiple XX properties and travels frequently. Additionally see BWR LOE. | 4/XX/2022 3:31:25 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505835 | [redacted] | [redacted |  | 33580021 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (2022-XX-13): Insurance agent reflects sufficient coverage. Exception cleared.<br>Buyer Comment (2022-XX-11): HAZ Policy-& email states Reclacemnt Cost Coverage. | 4/XX/2022 12:48:44 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505835 | [redacted] | [redacted |  | 33580022 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject transaction is a cash out refinance. The one report provided had no score, which would require approval from XX's appraisal review department. |  |  |  | Reviewer Comment (2022-XX-12): Appraisal approval provided. Exception cleared.<br>Buyer Comment (2022-XX-11): uploaded XXs Appraisal Review | 4/XX/2022 3:36:33 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Refinance - Cash-out - Other |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505836 | [redacted] | [redacted |  | 33580023 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor concentration is 76.50% vs guideline max of 50%. Lender granted exception in file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Comp factor used to waive exception. | SitusAMC<br>Originator | Reviewer Comment (2022-XX-14): Lender granted exception approval in loan file. |  |  | 4/XX/2022 10:23:17 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505836 | [redacted] | [redacted |  | 33580024 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor concentration is 76.503% (420 of 549 units) vs program requirement that no more than 50% of the total units in the subject project may be renter-occupied. Lender granted exception in file. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Comp factor used to waive exception. | Originator<br>SitusAMC | Reviewer Comment (2022-XX-14): Lender granted exception approval in loan file.<br>Reviewer Comment (2022-XX-12): Lender exception approved with compensating factors. |  |  | 4/XX/2022 10:19:45 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505836 | [redacted] | [redacted |  | 33580025 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow no housing history as borrower lives rent-free with her husband, who is not a borrower in this transaction, in a property they own jointly but for which he is the only person on the note. Lender granted exception in file. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (2022-XX-12): Lender exception approved with compensating factors. |  |  | 4/XX/2022 10:20:33 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505836 | [redacted] | [redacted |  | 33580026 |  |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Allow no housing history as borrower lives rent-free with her husband, who is not a borrower in this transaction, in a property they own jointly but for which he is the only person on the note. Lender granted exception in file. | The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC | Reviewer Comment (2022-XX-12): Lender exception approved with compensating factors. |  |  | 4/XX/2022 10:21:15 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505836 | [redacted] | [redacted |  | 33580027 |  |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | Lease agreement not found in the loan file, for the property address [redacted]. |  |  |  | Reviewer Comment (2022-XX-23): Cleared<br>Buyer Comment (2022-XX-20): See uploaded lease.<br>Reviewer Comment (2022-XX-18): Lease agreement unit # corrected; however, the only thing provided is a Lease Extension Agreement and it is dated 4/XX/22 which was after closing by almost a month - XX- need the lease that was in place at the time of closing. Condition remains open.<br>Buyer Comment (2022-XX-17): Uploaded corrected lease agreement.<br>Reviewer Comment (2022-XX-11): Lease agreement provided reflects unit #10<br>Buyer Comment (2022-XX-10): See uploaded Lease Agreement.<br>Reviewer Comment (2022-XX-19): No additional information provided.<br>Buyer Comment (2022-XX-18): I didn't see your comment. Please disregard today's comments.<br>Buyer Comment (2022-XX-18): Uploaded Rent Schedule from the appraisal and the final income calculator. Please clear finding.<br>Reviewer Comment (2022-XX-18): Per Purchase Contract, Section 6, Property is subject to leases or occupancy after closing.<br>Buyer Comment (2022-XX-14): Uploaded Appraisal Rent Schedule and Final Income Calculator. | 5/XX/2022 10:56:09 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223505837 | [redacted] | [redacted |  | 33580033 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The approval was not provided for review. |  |  |  | Reviewer Comment (2022-XX-04): Received Approval document, doc associated. Exception Cleared<br>Buyer Comment (2022-XX-01): CTC for review | 4/XX/2022 11:57:00 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223505837 | [redacted] | [redacted |  | 33580034 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report was not provided for review. |  |  |  | Reviewer Comment (2022-XX-19): Fraud report provided<br>Buyer Comment (2022-XX-19): DV Report for review<br>Reviewer Comment (2022-XX-14): Red flags needs to be addressed on fraud report which will update score of fraud report , Exception remains.<br>Buyer Comment (2022-XX-13): Reviewed and Arm's length transaction. SSN matches both Borrowers<br>Reviewer Comment (2022-XX-04): Need Fraud Report addressing all Red Flags, Exception Remains.<br>Buyer Comment (2022-XX-01): DV Report for review | 4/XX/2022 5:31:22 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223505837 | [redacted] | [redacted |  | 33580038 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XX exceeds tolerance of $XX0. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $XX0 on LE but disclosed as $XX.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XX2, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-XX-04): SitusAMC received COC datedXX/XX<br> for increase in fee.<br>Buyer Comment (2022-XX-01): Lock for review<br>Buyer Comment (2022-XX-01): COC for review | 4/XX/2022 8:03:15 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223505837 | [redacted] | [redacted |  | 33580039 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XX0 exceeds tolerance of $XX0. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $XXn LE but disclosed as $XXn Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-XX-04): SitusAMC sufficient cure provided at closing.<br>Buyer Comment (2022-XX-01): Cure provided at Closing | 4/XX/2022 8:03:15 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223505837 | [redacted] | [redacted |  | 33580040 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow no primary housing history due to Borrower living rent - free with relative who is non occupying co-borrower vs program restriction that borrowers without housing history are not eligible but will be considered on an exception basis. Lender exception in file; however, the terms of approval do not match how the loan closed. Provide corrected lender exception approval. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $XX. | LTV is 72.441%, 17.559% < program maximum of 90%<br> DTI is 16.728%, 33.272% < program maximum of 50 %<br> No public records | SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2022-XX-15): Compensating Factors used to waive Exception.<br>Buyer Comment (2022-XX-13): Exception Revision for review<br>Reviewer Comment (2022-XX-05): Lender exception is not materially correct and does not reflect the correct loan amount or LTV. Please provide Exception reflecting how loan closed.<br>Buyer Comment (2022-XX-01): Exception Approval for review |  |  | 4/XX/2022 9:36:31 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223505837 | [redacted] | [redacted |  | 33580041 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow use of 100% of business assets for non occupant co borrower from business checking account with XX with borrower only having 50% ownership vs program restriction that funds of a business owned by the borrowers may be included, however the percent of the business' funds may not be greater than the percent of ownership. Lender exception in file; however, the terms of approval do not match how the loan closed. Provide corrected lender exception approval. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $XX. | LTV is 72.441%, 17.559% < program maximum of 90%<br> DTI is 16.728%, 33.272% < program maximum of 50 %<br> No public records<br>Credit score is 710, 70 points > program requirement of 640<br> No public records | SitusAMC,Originator<br>SitusAMC,Originator<br>SitusAMC | Reviewer Comment (2022-XX-15): Compensating Factors used to waive Exception.<br>Buyer Comment (2022-XX-13): Exception Revision for review<br>Reviewer Comment (2022-XX-05): Lender exception is not materially correct and does not reflect the correct loan amount or LTV. Please provide Exception reflecting how loan closed.<br>Buyer Comment (2022-XX-01): Exception Approval for review |  |  | 4/XX/2022 9:35:51 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223505837 | [redacted] | [redacted |  | 33580042 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XX0 exceeds tolerance of $XX0. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-XX-04): Sufficient Cure Provided At Closing |  | 4/XX/2022 8:03:15 AM |  | 1 |  | A |  | A |  | A |  | A |  | A |  | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223505838 | [redacted] | [redacted |  | 33580045 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing approval. |  |  |  | Reviewer Comment (2022-XX-30): Cleared<br>Buyer Comment (2022-XX-30): Note date isXX/XX<br> Lock expired 3/21<br>Reviewer Comment (2022-XX-30): Page # 2 of Approval document shows Lock is Expired prior to Note date. Exception Remains.<br>Buyer Comment (2022-XX-29): CTC for review | 3/XX/2022 12:54:45 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223505838 | [redacted] | [redacted |  | 33580046 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.91550% or Final Disclosure APR of 5.93200% is in excess of allowable threshold of APOR 3.16% + 2.5%, or 5.66000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2022-XX-01): Cleared<br>Buyer Comment (2022-XX-31): Mavent for review<br>Reviewer Comment (2022-XX-30): That has nothing to do with this exception.<br>Buyer Comment (2022-XX-29): This is a A10 Non-QM loan | 4/XX/2022 8:32:50 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223505838 | [redacted] | [redacted |  | 33580047 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Previous loan refinanced within twelve (12) month period of consummation) | Texas Constitution Section 50(a)(6): Previous loan refinanced within twelve (12) month period of consummation | Missing document in the loan file. |  |  |  | Reviewer Comment (2022-XX-08): Cleared<br>Buyer Comment (2022-XX-06): The Appraiser states that the prior transfer was into a Trust. Borrowers have been in the Property for 2 years<br>Reviewer Comment (2022-XX-06): 1004 indicates property was acquired on 11/XX/2021 which is less than 12 months from consummation.<br>Buyer Comment (2022-XX-04): This property was Free and Clear<br>Reviewer Comment (2022-XX-30): This is due to the length of time be tween refinances<br>Buyer Comment (2022-XX-29): No refund due per our TX Atty | 4/XX/2022 1:15:37 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXd offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223505838 | [redacted] | [redacted |  | 33580048 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2022 did not disclose Amount of Non-Escrowed Property Costs over Year 1 | Final CD does not disclose the Non-Escrowed property cost over year 1 on page 4, and does not indicate the "Other" status on page 1. |  |  |  | Reviewer Comment (2022-XX-30): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2022-XX-30): LOX for review<br>Buyer Comment (2022-XX-30): PCCD for review<br>Reviewer Comment (2022-XX-30): SitusAMC received CD datedXX/XX<br> however we required correction on Post CD along with LOX in order to clear the exception.<br>Buyer Comment (2022-XX-29): PCCD for review |  | 3/XX/2022 11:24:56 AM |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223505838 | [redacted] | [redacted |  | 33580049 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan estimate document not delivered to the borrowers within 3 business days of the application. |  |  |  | Reviewer Comment (2022-XX-01): SitusAMC received Initial LE along with document stating it was mailed to the borrower.<br>Buyer Comment (2022-XX-31): Encompass Fulfillment Service Fulfilled<br>Buyer Comment (2022-XX-31): LE for review<br>Reviewer Comment (2022-XX-30): SitusAMC received lender rebuttal that application is 12-13. However, Initial loan Application in file reflects earlier originator signed date of 12-10 and the file only has an LE in file that is dated 2-XX-22. Please provide any earlier missing LE's along with earlier e-consent if signed electronically.<br>Buyer Comment (2022-XX-30): Initial Application is12/13 | 4/XX/2022 4:36:38 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223505838 | [redacted] | [redacted |  | 33580050 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | A Right to Receive a Copy of the Appraisal disclosure was not provided to the borrowers within 3 days of the application. |  |  |  | Reviewer Comment (2022-XX-30): SitusAMC received 12-XX-21 Notice of Right to receive copy of appraisal disclosure.<br>Buyer Comment (2022-XX-30): Right to Receive Copy of Appraisal | 3/XX/2022 11:20:46 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223505838 | [redacted] | [redacted |  | 33580051 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Timing | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | A Right to Receive a Copy of the Appraisal disclosure was not provided to the borrowers within 3 days of the application. |  |  |  | Reviewer Comment (2022-XX-01): SitusAMC received initial LE.<br>Buyer Comment (2022-XX-31): Initial LE for review<br>Reviewer Comment (2022-XX-30): SitusAMC received lender rebuttal that application is 12-13. However, Initial loan Application in file reflects earlier originator signed date of 12-10 and the file only has an LE in file that is dated 2-XX-22. Please provide any earlier missing LE's along with earlier e-consent if signed electronically.<br>Buyer Comment (2022-XX-30): Dated 12/13 | 4/XX/2022 8:22:36 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223505839 | [redacted] | [redacted |  | 33580055 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XX exceeds tolerance of $XXufficient or no cure was provided to the borrower. | Tolerance exceeded due to rate lock. |  |  |  | Reviewer Comment (2022-XX-13): SitusAMC received valid COC dated 3/XX/22.<br>Buyer Comment (2022-XX-12): CD #1, #2, #3 & Final Exec CD with Lender Credit of $XXr fee above limits..<br>Buyer Comment (2022-XX-12): LE's #2, #3, #4<br>Buyer Comment (2022-XX-12): Initial LE<br>Buyer Comment (2022-XX-12): Ple see Disclosure Tracking, COC's, LEs, CDs and Lender Credit of $XXr fees above limits on Final Executed CD uploaded for reference. | 4/XX/2022 9:57:57 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223505839 | [redacted] | [redacted |  | 33580056 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XX exceeds tolerance of $XX0. Insufficient or no cure was provided to the borrower. | Tolerance exceeded with cure provided. |  |  |  | Reviewer Comment (2022-XX-13): SitusAMC - Sufficient cure was provided at closing.<br>Buyer Comment (2022-XX-12): See Docs uploaded in Except #1 & Lender Credit for $XXr fees above limits | 4/XX/2022 9:58:44 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223505839 | [redacted] | [redacted |  | 33580057 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $XX0 exceeds tolerance of $XX0. Insufficient or no cure was provided to the borrower. | Tolerance exceeded with cure provided. |  |  |  | Reviewer Comment (2022-XX-13): SitusAMC - Sufficient cure was provided at closing.<br>Buyer Comment (2022-XX-12): See Docs uploaded in Except #1 & Lender Credit for $XXr fees above limits | 4/XX/2022 9:58:58 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223505839 | [redacted] | [redacted |  | 33580059 |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of Special Flood Hazard Disclosure not provided to the borrower within a reasonable timing. |  |  |  | Buyer Comment (2022-XX-13): waived. |  |  | 4/XX/2022 3:14:08 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Second Home | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223505839 | [redacted] | [redacted |  | 33580060 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor concentration is 81.416% (92 of 113 units) vs program requirement that no more than 50% of the total units in the subject project may be renter-occupied. Lender granted exception in file. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Comp factor used to waive exception. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-XX-05): Compensating factors used to waive exception |  |  | 4/XX/2022 10:37:26 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Second Home | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223505839 | [redacted] | [redacted |  | 33580061 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Project allows for short-term rentals vs program requirement that the subject project may not include any units offering daily, weekly, or monthly rentals. (Note: There is not a check-in desk on site). Lender granted exception in file. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Comp factor used to waive exception. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-XX-05): Compensating factors used to waive exception |  |  | 4/XX/2022 10:38:01 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Second Home | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223505839 | [redacted] | [redacted |  | 33580062 |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  |  |  |  |  | Reviewer Comment (2022-XX-13): Documentation provided.<br>Buyer Comment (2022-XX-13): Uploaded LOE from broker that primary is free and clear<br>Buyer Comment (2022-XX-13): Uploaded REO Docs<br>Buyer Comment (2022-XX-13): Credit report reflects XX showing 99 months paid. This was for property XX (borrowers previous residence). XXwas inherited from his father. Uploaded donation docs.<br>Buyer Comment (2022-XX-12): See Credit Report. XX has 3 XX rated on Credit Report all paid as agreed with 0 lates for more than 99 months. PR was was paid off in XX 2021 and has no other mortgages or rents as now owns home free & clear. | 4/XX/2022 5:19:32 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Second Home | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223505839 | [redacted] | [redacted |  | 33580063 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XX exceeds tolerance of $XX0. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-XX-13): Sufficient Cure Provided At Closing |  | 4/XX/2022 10:02:16 AM |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223505839 | [redacted] | [redacted |  | 33580064 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $XX0 exceeds tolerance of $XX0. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-XX-13): Sufficient Cure Provided At Closing |  | 4/XX/2022 10:02:16 AM |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223505840 | [redacted] | [redacted |  | 33580065 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Missing approval. |  |  |  | Reviewer Comment (2022-XX-07): Received Approval document, doc associated. Exception Cleared<br>Buyer Comment (2022-XX-07): see approval | 4/XX/2022 11:00:44 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Second Home | Purchase |  | C | A | C | A | A | A | A | A | Non QM | Non QM | No |
| 223505840 | [redacted] | [redacted |  | 33580067 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XX0 exceeds tolerance of $XX0. Sufficient or excess cure was provided to the borrower at Closing. | Tolerance exceeded with cure provided. |  |  |  | Reviewer Comment (2022-XX-04): Sufficient Cure Provided At Closing |  | 4/XX/2022 11:42:03 AM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | FL | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | No |
| 223505841 | [redacted] | [redacted |  | 33580071 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-XX-12): Received Approval , exception cleared.<br>Buyer Comment (2022-XX-08): see approval | 4/XX/2022 10:48:18 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223505841 | [redacted] | [redacted |  | 33580073 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Two appraisals were completed as this is a flip purchase transaction and one of them is a transferred appraisal. Allow use of the transferred appraisal which was completed by a licensed level appraiser vs. program requirement for an appraiser to be at a minimum certified level. Lender's Exception Approval is in file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years. | 16.13 months > 6 months | SitusAMC<br>SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-XX-06): Lender granted exception approval in loan file. |  |  | 4/XX/2022 2:59:01 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223505841 | [redacted] | [redacted |  | 33580074 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 03/XX/2022 not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on 03/XX/2022 not received by borrower at least four (4) business days prior to closing |  |  |  | Reviewer Comment (2022-XX-09): Mailbox rule is applied for receipt date of 03/04<br>Buyer Comment (2022-XX-08): see LE tracking/Econsent reflecting presumed received date of 3/4<br>Buyer Comment (2022-XX-08): - | 4/XX/2022 10:51:43 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223505841 | [redacted] | [redacted |  | 33580076 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XX0 exceeds tolerance of $XX0. Sufficient or excess cure was provided to the borrower at Closing. | Final Closing Disclosure discloses a $XX Lender cure credit for $XX Appraisal Fee and $XX0 Second Appraisal Fee tolerance amounts |  |  |  | Reviewer Comment (2022-XX-04): Sufficient Cure Provided At Closing |  | 4/XX/2022 5:05:22 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223505841 | [redacted] | [redacted |  | 33580077 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XX0 exceeds tolerance of $XXficient or excess cure was provided to the borrower at Closing. | Final Closing Disclosure discloses a $XX Lender cure credit for $XX0 Second Appraisal <br> Fee and $XX Appraisal Fee tolerance amounts |  |  |  | Reviewer Comment (2022-XX-04): Sufficient Cure Provided At Closing |  | 4/XX/2022 5:05:22 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223505842 | [redacted] | [redacted |  | 33580078 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2022-XX-14): Received 1008 and considered approval document , Exception cleared.<br>Buyer Comment (2022-XX-13): I am submitting a 1008 and the Conditional Approval that matches for your review.<br>Reviewer Comment (2022-XX-13): DTI on Approval document do not match 1008. Exception Remains.<br>Buyer Comment (2022-XX-12): The Conditional Loan Approval is attached for your review. | 4/XX/2022 10:42:54 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223505842 | [redacted] | [redacted |  | 33580079 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing verification that Final Title Policy issued with new 1st lien in free and clear lien position with no exceptions. Preliminary title discloses $XXitem 7) Deed of Trust dated 11/XX/2017 held by [redacted] and [redacted]. Beneficiary Demand signed by [redacted] states $XXe. Beneficiary Demand signed by [redacted] states $XX. Final Closing Disclosure discloses $XXsbursed to Fidelity National Title. Preliminary Title Supplement states item 7 to be deleted. |  |  |  | Reviewer Comment (2022-XX-18): Received required documentation. Cleared.<br>Buyer Comment (2022-XX-15): Please see payoff for lien attached. The original balance was $XXd the remaining amount due was $XX<br> Reviewer Comment (2022-XX-14): Please provide evidence that the lien for $XX7) was paid off through closing as the Final CD only shows $XXing paid off. Exception remains.<br>Buyer Comment (2022-XX-12): Please clarify. The Final title Policy has not been issued yet but will be. There is a Supplemental Report that states Item 7 will be paid at the successful close of escrow. | 4/XX/2022 3:42:53 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223505842 | [redacted] | [redacted |  | 33580080 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XX0 exceeds tolerance of $XX0. Insufficient or no cure was provided to the borrower. | Final Closing Dislosure discloses $XX0 Lender's cure credit for $XX0 Appraisal Fee tolerance |  |  |  | Reviewer Comment (2022-XX-13): SitusAMC received sufficient cure at closing.<br>Buyer Comment (2022-XX-12): Please see all LE's, CD's, the Disclosure Tracking Summary and the COC(s). All changes in pricing were due to Interest Rate Changes, Lock Extensions, Change in Loan Amount. | 4/XX/2022 7:36:01 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223505842 | [redacted] | [redacted |  | 33580081 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $XX less than amount of binding Lender Credit previously disclosed in the amount of $XX. | Missing Change of Circumstance for reduction in the Lender credit |  |  |  | Reviewer Comment (2022-XX-13): SitusAMC received valid COC dated 03/XX/2022.<br>Buyer Comment (2022-XX-12): Please see all LE's, CD's, the Disclosure Tracking Summary and the COC(s). All changes in pricing were due to Interest Rate Changes, Lock Extensions, Change in Loan Amount. | 4/XX/2022 7:36:01 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223505842 | [redacted] | [redacted |  | 33580084 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 1,100.00 on Final Closing Disclosure provided on 04/XX/2022 not accurate. |  |  |  |  | Reviewer Comment (2022-XX-14): SitusAMC received Post Cd and LOX.<br>Buyer Comment (2022-XX-13): Attached please find the LOE to the Borrower, Confirmation from the HOA Management Company that the monthly HOA fee is $XXnd the disclosure tracking summary and COC(s) for your review. |  | 4/XX/2022 6:41:53 AM |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223505842 | [redacted] | [redacted |  | 33580085 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XX exceeds tolerance of $XXufficient or no cure was provided to the borrower. | Missing valid Change of Circumstance for $XX Loan Discount Fee discloses in revised Closing Disclosure dated 3/XX/2022. Closing Disclosure does not disclose a Lender cure credit for $XX tolerance amount |  |  |  | Reviewer Comment (2022-XX-13): SitusAMC received valid COC dated 03/XX/2022.<br>Buyer Comment (2022-XX-12): Please see all LE's, CD's, the Disclosure Tracking Summary and the COC(s). All changes in pricing were due to Interest Rate Changes, Lock Extensions, Change in Loan Amount. | 4/XX/2022 7:36:01 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223505842 | [redacted] | [redacted |  | 33580088 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XX0 exceeds tolerance of $XX0. Sufficient or excess cure was provided to the borrower at Closing. | SitusAMC received sufficient cure at closing. |  |  |  | Reviewer Comment (2022-XX-13): Sufficient Cure Provided At Closing |  | 4/XX/2022 7:36:01 AM |  | 1 |  | A |  | A |  | A |  | A |  | A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223505842 | [redacted] | [redacted |  | 33580089 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee. Fee Amount of $XX exceeds tolerance of $XXufficient or no cure was provided to the borrower. | Zero percent fee |  |  |  | Reviewer Comment (2022-XX-25): SitusAMC has received corrected PCCD, copy of refund check, proof of mailing and LOE to borrower.<br>Buyer Comment (2022-XX-22): I am submitting the copy of the refund check, LOE to the Borrower for reasons for the refund and the PCCD for your review. |  | 4/XX/2022 3:19:03 AM |  | 2 |  | B |  | B |  | B |  | B |  | B |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223652783 | [redacted] | [redacted |  | 33787249 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Provide a copy of Appraisal acknowledgement disclosure with three (3) business days prior to consummation. |  |  |  | Buyer Comment (2025-XX-14): will accept grade b thank you on this condit<br>Reviewer Comment (2025-XX-14): The disclosure shows an either/or statement where there is no checkmark or signature explicitly showing which statement they are acknowledging. We cannot assume which option the borrower is acknowledging. Unable to accept. You can accept to waive this exception with a final overall B grade.<br>Buyer Comment (2025-XX-14): Hi, <br> Attached is the original email sent to borrower.<br>Reviewer Comment (2025-XX-11): Disclosure states the borrower either waive or received prior to closing, not compliant.<br>Buyer Comment (2025-XX-09): hi please see attached-110100004996_Gabouchian-appraial acknowlegment<br>Reviewer Comment (2025-XX-08): The appraisal was sent on 3-XX-25 and no borrower receipt provided. The assumed receipt date is 3-XX-25, which is after the note date of 3-XX-25.<br>Buyer Comment (2025-XX-04): see attached for POD of Appraisal |  |  | 4/XX/2025 2:50:07 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| 223652783 | [redacted] | [redacted |  | 33787250 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.45006% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XXn overage of $XX or .45006%). | Points and Fees total $XX. an investor allowable total of $XXr an overage of $XX. Non material grade 2 excepiton, you can waive and accept final B grade. |  |  |  | Buyer Comment (2025-XX-04): accept the B grade thank u |  |  | 4/XX/2025 7:23:01 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes |
| 223652809 | [redacted] | [redacted |  | 33787336 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Loan was approved with DSCR of 0.7738, however per 1008 borrower is first time investor which requires DSCR minimum of 1. No Lender exception was located in the file. | The representative FICO score exceeds the guideline minimum by at least 40 points. | FICO is 732 vs the minimum of 660<br> over 14 months reserves | Originator,SitusAMC | Reviewer Comment (2025-XX-08): Client elects to down grade and waive using compensating factors<br> FICO is 732 vs the minimum of 660<br> over 14 months reserves<br>Buyer Comment (2025-XX-04): Uploaded approved Exception |  |  | 4/XX/2025 4:58:32 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Investment | Purchase |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223685791 | [redacted] | [redacted |  | 33793688 |  |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. |  | First Time Home Buyer<br> Eligible to purchase investment property |  |  |  | Reviewer Comment (2025-XX-18): clear.<br>Buyer Comment (2025-XX-14): Per guidelines, FTHB is eligible. Pg 21 of guidelines. Please waive exception. | 2/XX/2025 7:25:42 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CT | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223685791 | [redacted] | [redacted |  | 33793689 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | missing Prepayment information. |  |  |  | Reviewer Comment (2025-XX-14): clear<br>Buyer Comment (2025-XX-14): Note Addendum uploaded.<br>Reviewer Comment (2025-XX-18): Box 5 refers to loan charges. It does not specify a pre-payment penalty.<br>Buyer Comment (2025-XX-14): No addendum available,. Prepayment is addressed on the note #5 5.1, 5.2 and 5.3 Pg 2 of note. Please waive exception | 4/XX/2025 1:41:58 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CT | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | Yes |
| 223685792 | [redacted] | [redacted | XX | 33793694 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.55596% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XXn overage of $XX or .55596%). | Fannie Mae Points and Fees exceed allowable threshold by $XX or .55596%. |  |  |  |  |  |  | 9/XX/2023 12:43:30 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes |
| 223685792 | [redacted] | [redacted | XX | 33793696 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XX exceeds tolerance of $XX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2023-XX-14): Sufficient Cure Provided At Closing |  | 9/XX/2023 1:47:31 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes |
| 223685795 | [redacted] | [redacted |  | 33793725 |  |  | Credit | Guideline | Guideline Issue | Guideline | Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  | Origination guidelines were utilized at origination. |  |  |  | Reviewer Comment (2025-XX-10): Loan was originated to guides provided.<br>Buyer Comment (2025-XX-07): Loan was originated to the guides please clear the condition.<br>Reviewer Comment (2025-XX-06): If loan was underwritten to the guides it was originated to then we can clear this exception. If not, exception can be waived.<br>Seller Comment (2025-XX-06): Clearedge Lending is a "Delegated", the loans are underwritten to the investor approved guidelines. Please advise as to what is required to clear this finding. | 3/XX/2025 6:41:52 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | IN | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223685795 | [redacted] | [redacted |  | 33793729 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 02/XX/2025 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XX over disclosed by $XX0 compared to the calculated Amount Financed of $XXd the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 02/XX/2025). | Amount financed disclosed as $XX actual amount of $XXariance of $XX0. |  |  |  | Reviewer Comment (2025-XX-10): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-XX-09): PCCD cure documentation uploaded for review.<br>Reviewer Comment (2025-XX-01): SitusAMC is unable to determine fee purpose. Please provide documentation of purpose for fee name lender's title insurance #2 noted on the PCCD dated 3/28.<br>Buyer Comment (2025-XX-28): PCCD documentation uploaded for review.<br>Reviewer Comment (2025-XX-19): SitusAMC received rebuttal that pending attestation from title company.<br>Seller Comment (2025-XX-18): Per ClearEdge, we are pending additional information from the Title company.<br>Reviewer Comment (2025-XX-07): Please provide an attestation from title company that gives the services/purpose of the Title-Title management fee to determine if 4c7 excludable fee.<br>Seller Comment (2025-XX-06): Your portal reflects inclusion of $XXor "Title - Service Charge", the fee on the final CD is $XXor "Title - Management Fee". Per §1026.4(c)(7) this is bona fide and reasonable and therefore should be excluded. |  | 4/XX/2025 9:28:34 AM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | IN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223685795 | [redacted] | [redacted |  | 33793730 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 02/XX/2025 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XX under disclosed by $XX0 compared to the calculated Finance Charge of $XXich exceeds the $XX0 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 02/XX/2025). | Finance Charge disclosed as $XX actual amount of $XXariance of $XX0. |  |  |  | Reviewer Comment (2025-XX-10): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-XX-09): PCCD cure documentation uploaded for review.<br>Reviewer Comment (2025-XX-01): SitusAMC is unable to determine fee purpose. Please provide documentation of purpose for fee name lender's title insurance #2 noted on the PCCD dated 3/28.<br>Buyer Comment (2025-XX-28): PCCD documentation uploaded for review.<br>Reviewer Comment (2025-XX-27): Unable to waive and downgrade TRID exceptions with a lender exception.<br>Buyer Comment (2025-XX-27): Please be advised compensating factors include<br> 1. 6 months Reserves<br> 2. Low Loan amount <br> 3. CLTV Below 50 47.6670%<br> 4. DTI Below 25% 19.21 %<br>Buyer Comment (2025-XX-27): We would like to request an exception here based on pre-submission correspondence with Brandon that did not include any sort of notarize documentation<br>Reviewer Comment (2025-XX-19): SitusAMC received rebuttal that pending attestation from title company.<br>Seller Comment (2025-XX-18): Per ClearEdge, we are pending additional information from the Title company.<br>Reviewer Comment (2025-XX-07): Please provide an attestation from title company that gives the services/purpose of the Title-Title management fee to determine if 4c7 excludable fee.<br>Seller Comment (2025-XX-06): Your portal reflects inclusion of $XXor "Title - Service Charge", the fee on the final CD is $XXor "Title - Management Fee". Per §1026.4(c)(7) this is bona fide and reasonable and therefore should be excluded. |  | 4/XX/2025 9:28:16 AM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | IN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223685795 | [redacted] | [redacted |  | 33793732 |  |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Borrowers FICO score of 646 does not meet guideline minimum requirement of 660. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXBorrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reserves: 15.12<br> Guideline Requirement: 6.00<br>Combined Loan to Value: 47.66667%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>DTI: 19.13352% <br> Guideline Maximum DTI: 50.00000% | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-XX-27): Client elects to waive with comp factors.<br>Buyer Comment (2025-XX-27): We would like to request an exception here based on pre-submission correspondence with Brandon that did not include any sort of notarize documentation. The credit report was provided in the file as required; however, the joint credit report in the file notes additional Social Security numbers other than the ITIN numbers. If there are additional numbers other than the ITIN number, the credit report is not valid, and the qualifications are based on No score guidelines with a 660 utilized for pricing purposes. <br>Please be advised compensating factors include<br> 1. 6 months Reserves<br> 2. Low Loan amount <br> 3. CLTV Below 50 47.6670%<br> 4. DTI Below 25% 19.21 %<br>Reviewer Comment (2025-XX-20): Please provide in writing from borrower(s) stating they do not have a SSN and have notarized as well. Exception remains.<br>Seller Comment (2025-XX-18): The credit report was only submitted given there is a SS# noted on the credit report in which case the No Score requirements are to be utilized. Pending investor to advise. Note added for investor review.<br>Buyer Comment (2025-XX-18): The credit report was only submitted given there is a SS# noted on the credit report in which case the No Score requirements are to be utilized.<br>Reviewer Comment (2025-XX-13): Unable to clear guideline requirment. Due Diligence guidelines to not indicate that If there are additional numbers other than the ITIN number the credit report is not valid and qualification is based on No Score guidelines with a 660 utilized for pricing purposes.<br>Seller Comment (2025-XX-11): If there are additional numbers other than the ITIN number the credit report is not valid and qualification is based on No Score guidelines with a 660 utilized for pricing purposes.<br>Reviewer Comment (2025-XX-11): Unable to clear guideline requirement. Per guidelines, Borrowers with no credit score are eligible are price as 660 credit score. Credit report reflects scores.<br>Buyer Comment (2025-XX-07): Provided email from Balbec, Brandon Danzig. The credit report was provided in the file as required however the joint credit report in file notes additional Social Security numbers other than the ITIN numbers. If there are additional numbers other than the ITIN number the credit report is not valid and qualification is based on No Score guidelines with a 660 utilized for pricing purposes. |  |  | 3/XX/2025 3:26:52 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | IN | Primary | Purchase |  | C | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223685796 | [redacted] | [redacted |  | 33793735 |  |  | Credit | Guideline | Guideline Issue | Guideline | Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  | Reviewer Comment (2025-XX-25): Cleared. Loan was reviewed to originator guides.<br>Buyer Comment (2025-XX-24): yes it was reviewed to the origination guidelines<br>Reviewer Comment (2025-XX-17): Was the loan reviewed to the Origination guides?<br>Buyer Comment (2025-XX-14): Please advise if condition can be cleared. | 3/XX/2025 9:53:56 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | VA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223685796 | [redacted] | [redacted |  | 33793737 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (2025-XX-25): Received credit supplement verifying debts paid out prior to closing.<br>Buyer Comment (2025-XX-21): 75% of $XXm lease was use for rental calculation. There are no HOA dues. LOX in file. See mortgage snip, lease was extended on 10/XX/24 for another year to 10/XX/25 from same tenant from the previous year. Snip from lease and calculation in Encompass.<br>Reviewer Comment (2025-XX-17): Unable to clear. It appears that lender used a different amount for rental income instead of factoring in 75% of the lease amount per guideline requirements.<br>Seller Comment (2025-XX-14): I am showing DTI is under 45- please advise where you are seeing it is over<br>Seller Comment (2025-XX-14): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 48.32647% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factor | 3/XX/2025 9:49:00 AM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | VA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes |
| 223685796 | [redacted] | [redacted |  | 33793738 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 48.32647% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2025-XX-25): Received credit supplement verifying debts paid out prior to closing.<br>Buyer Comment (2025-XX-21): 75% of $XXm lease was use for rental calculation. There are no HOA dues. LOX in file. See mortgage snip, lease was extended on 10/XX/24 for another year to 10/XX/25 from same tenant from the previous year. Snip from lease and calculation in Encompass.<br>Reviewer Comment (2025-XX-20): Borrower's income of $XX matching, liabilities were excluded still DTI is exceeding, require additional rental income to procced. Exception Remains.<br>Buyer Comment (2025-XX-19): DTI calculation | 3/XX/2025 9:47:18 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223685796 | [redacted] | [redacted |  | 33793740 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XX exceeds tolerance of $XX plus 10% or $XX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-XX-06): Sufficient Cure Provided At Closing |  | 3/XX/2025 12:19:33 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | VA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes |
| 223685796 | [redacted] | [redacted |  | 33793741 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XX0 exceeds tolerance of $XX0. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-XX-06): Sufficient Cure Provided At Closing |  | 3/XX/2025 12:19:33 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | VA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes |
| 223685796 | [redacted] | [redacted |  | 33793742 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $XX0 exceeds tolerance of $XX0. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-XX-06): Sufficient Cure Provided At Closing |  | 3/XX/2025 12:19:33 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | VA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes |
| 223685796 | [redacted] | [redacted |  | 33793744 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 02/XX/2025 not received by borrower at least four (4) business days prior to closing. | Loan Estimate provided on 02/XX/2025 is not signed & Dated by borrower. |  |  |  | Reviewer Comment (2025-XX-17): SitusAMC received proof of receipt.<br>Buyer Comment (2025-XX-17): proof of delivery receipt via LOS system attached. Please clear | 3/XX/2025 10:41:25 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223685796 | [redacted] | [redacted |  | 33793745 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Increase in DTI due to difference in Rental Income on REO Investment property and Total monthly debt payment. |  |  |  | Reviewer Comment (2025-XX-25): Received credit supplement verifying debts paid out prior to closing.<br>Reviewer Comment (2025-XX-25): EXCEPTION HISTORY - Exception Explanation was updated on 03/XX/2025 PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 48.32647% exceeds Guideline total debt ratio of 45.00000%. | 3/XX/2025 9:48:12 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223685796 | [redacted] | [redacted |  | 33793746 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Increase in DTI due to difference in Rental Income on REO Investment property and Total monthly debt payment. |  |  |  | Reviewer Comment (2025-XX-25): Received credit supplement verifying debts paid out prior to closing. | 3/XX/2025 9:49:00 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223685797 | [redacted] | [redacted |  | 33793747 |  |  | Credit | Guideline | Guideline Issue | Guideline | Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  | Origination guidelines were utilized at origination. |  |  |  | Reviewer Comment (2025-XX-12): Loan was reviewed to originator guides.<br>Buyer Comment (2025-XX-12): Can you have this cleared as the loan was originated to the Waterstone guideline? | 3/XX/2025 4:13:19 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NH | Second Home | Purchase |  | B | A | B | A | A | A | A | A | Non QM | Non QM | No |
| 223685798 | [redacted] | [redacted |  | 33793754 |  |  | Credit | Guideline | Guideline Issue | Guideline | Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  | Reviewer Comment (2025-XX-26): Originator guides used.<br>Seller Comment (2025-XX-24): can this be cleared | 3/XX/2025 6:52:18 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Investment | Purchase |  | B | A | B | A |  |  | A | A |  | N/A | No |
| 223685799 | [redacted] | [redacted |  | 33793756 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Certificate of Foreign Entity is missing for business entity to operate business in foreign state GA. |  |  |  | Reviewer Comment (2025-XX-27): Cleared. Per guidelines, cog only required for state of formation.<br>Seller Comment (2025-XX-25): this is not needed per our guide | 3/XX/2025 10:32:51 AM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | GA | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 223685799 | [redacted] | [redacted |  | 33793757 |  |  | Credit | Guideline | Guideline Issue | Guideline | Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  | Reviewer Comment (2025-XX-26): Originator guides used.<br>Seller Comment (2025-XX-25): can this be cleared | 3/XX/2025 4:17:05 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Investment | Purchase |  | D | A | D | A |  |  | A | A |  | N/A | No |
| 223685800 | [redacted] | [redacted |  | 33793759 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing in the file |  |  |  | Reviewer Comment (2025-XX-28): Corporate Resolution is not required. Exception Cleared.<br>Seller Comment (2025-XX-27): corporate resolution isn't needed because both members of the entity signed | 3/XX/2025 5:12:10 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223685800 | [redacted] | [redacted |  | 33793761 |  |  | Credit | Guideline | Guideline Issue | Guideline | Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  | Verified Guidelines |  |  |  | Reviewer Comment (2025-XX-28): Origination guides used.<br>Seller Comment (2025-XX-27): can we clear this | 3/XX/2025 7:47:49 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223685801 | [redacted] | [redacted |  | 33793762 |  |  | Credit | Guideline | Guideline Issue | Guideline | Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  | Reviewer Comment (2025-XX-31): Client elects to waive.<br>Buyer Comment (2025-XX-31): yes please waive<br>Seller Comment (2025-XX-31): Request made to waive exception<br>Reviewer Comment (2025-XX-28): If originator guides were not used we would recommend waiving this exception. Would you like me to waive this?<br>Seller Comment (2025-XX-28): Our guidelines were used to underwrite said loan. |  |  | 3/XX/2025 4:16:43 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223685801 | [redacted] | [redacted |  | 33793763 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | 1003 Final missing in the file. |  |  |  | Reviewer Comment (2025-XX-01): Cleared. Lender application provided.<br>Buyer Comment (2025-XX-28): We do not collect Form 1003. We have supplied out application which is an online application as well as the final signed term sheet. Also attached. | 4/XX/2025 9:06:17 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Investment | Refinance - Rate/Term |  | C | B | C | B |  |  | A | A |  | N/A | No |
| 223685802 | [redacted] | [redacted |  | 33793765 |  |  | Credit | Guideline | Guideline Issue | Guideline | Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  | Reviewer Comment (2025-XX-31): Client elects to waive.<br>Buyer Comment (2025-XX-31): Yes. Please Waive.<br>Reviewer Comment (2025-XX-28): If originator guides were not used we would recommend waiving this exception. Would you like me to waive this?<br>Seller Comment (2025-XX-28): The underwriting team used our guidelines.<br>Seller Comment (2025-XX-28): Not certain what is needed here. |  |  | 3/XX/2025 4:16:57 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 223685802 | [redacted] | [redacted |  | 33793766 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient. Require verification of policy with sufficient coverage OR copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-XX-31): Policy covers loan amount.<br>Seller Comment (2025-XX-28): Loan amount is $XXage is for $XX | 3/XX/2025 4:17:22 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 223685802 | [redacted] | [redacted |  | 33793767 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Complete Environmental Indemnity Agreement is missing in the file. |  |  |  | Reviewer Comment (2025-XX-31): Received Complete Environmental Indemnity Agreement. Exception Cleared.<br>Buyer Comment (2025-XX-28): Please see pages 116-123 of the closing package. Also attached, thank you. | 3/XX/2025 2:57:09 AM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | NJ | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 223685802 | [redacted] | [redacted |  | 33793768 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Cash-Out Utilization for refinance is missing in the file. |  |  |  | Reviewer Comment (2025-XX-02): Received Cash-out Letter in the file. Exception Cleared.<br>Buyer Comment (2025-XX-01): Please see attached Cash Out Utilization Letter, thank you. | 4/XX/2025 5:11:03 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 223685802 | [redacted] | [redacted |  | 33793769 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Complete Business Purpose Certificate is missing in the file. |  |  |  | Reviewer Comment (2025-XX-03): Certificate of Commercial Loan Waiver provided.<br>Reviewer Comment (2025-XX-03): Unable to locate business purpose affidavit.<br>Buyer Comment (2025-XX-03): The attached has been accepted on other loans as the Business Purpose Affidavit.<br>Reviewer Comment (2025-XX-31): Business Purpose Certificate not received in the file. Exception Remains.<br>Buyer Comment (2025-XX-28): See pages 133-136 of closing package. Also attached. | 4/XX/2025 5:11:39 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 223685802 | [redacted] | [redacted |  | 33793770 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Paragraph/clause-2 is missing in the guarantor agreement. |  |  |  | Reviewer Comment (2025-XX-31): Received complete guarantor agreement with all the paragraph/clauses in the file. Exception Cleared.<br>Buyer Comment (2025-XX-28): Not certain what document is being referred to but please see guaranty attached. | 3/XX/2025 2:47:45 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Investment | Refinance - Cash-out - Other |  | D | B | D | B |  |  | A | A |  | N/A | No |
| 223685803 | [redacted] | [redacted |  | 33793772 |  |  | Credit | Guideline | Guideline Issue | Guideline | Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  | Deal settings indicate origination guidelines are not available for this review. |  |  |  | Reviewer Comment (2025-XX-02): Originator guides used. | 4/XX/2025 11:52:28 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223685803 | [redacted] | [redacted |  | 33793774 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD is missing, available doc is without signature |  |  |  | Reviewer Comment (2025-XX-01): Provided signed & dated final closing statement. Exception cleared. | 4/XX/2025 4:57:01 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223685804 | [redacted] | [redacted |  | 33793775 |  |  | Credit | Guideline | Guideline Issue | Guideline | Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  | Reviewer Comment (2025-XX-21): Reviewed to originator guides.<br>Buyer Comment (2025-XX-21): Please clear. The loan was originated according to the guides | 4/XX/2025 4:11:22 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | FL | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223685804 | [redacted] | [redacted |  | 33793777 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to determine if sections listed on note as reserved is missing addendums or riders. Provide lender attestation these reserved sections do not refer to additional documentation/addendums/riders to note which borrower may be obligated/accounted for. |  |  |  | Reviewer Comment (2025-XX-24): Received lenders attestation. Condition cleared.<br>Seller Comment (2025-XX-22): i attest that they do not refer to additional docs | 4/XX/2025 9:26:42 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223685804 | [redacted] | [redacted |  | 33793778 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | The documentation must cover a minimum two-month period and be dated within 90 days of the loan note date. |  |  |  | Reviewer Comment (2025-XX-30): Provided consecutive month bank statement from 12/XX/2024 to 01/XX/2025. Exception cleared.<br>Seller Comment (2025-XX-28): two months of bank statements here | 4/XX/2025 2:33:37 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223685805 | [redacted] | [redacted |  | 33793779 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Signed & dated 1003 Final is missing. |  |  |  | Reviewer Comment (2025-XX-02): Associated term sheet in lieu of final 1003. Exception cleared.<br>Seller Comment (2025-XX-01): we do not collect 1003s please clear | 5/XX/2025 3:54:35 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223685805 | [redacted] | [redacted |  | 33793780 |  |  | Credit | Guideline | Guideline Issue | Guideline | Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  | Reviewer Comment (2025-XX-01): Origination guides used.<br>Buyer Comment (2025-XX-01): This was reviewed to the origination guidelines. please clear<br>Seller Comment (2025-XX-01): Pushing back. This was reviewed to the origination guidelines | 5/XX/2025 4:14:34 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223685805 | [redacted] | [redacted |  | 33793781 |  |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The homeowner's insurance declarations page in the file verified an effective date of 04/XX/2025 which is after the consummation date of 04/XX/2025. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  |  |  | Reviewer Comment (2025-XX-05): Cleared. The policy begins on the disbursement/per diem date.<br>Reviewer Comment (2025-XX-02): Note date is 04/XX/2025. Hazard insurance effective date should cover the note date of 04/XX/2025. Exception remains.<br>Seller Comment (2025-XX-01): hazard insurance policy date is xx. Close date on the loan is xx, as seen by the HUD and the executed loan docs. This shouldn't be a condition. Please clear. | 5/XX/2025 5:20:19 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223685806 | [redacted] | [redacted |  | 33793784 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing page 6 of the Guaranty agreement and the following pages of the Security Instrument: 14, 15 and 18. |  |  |  | Reviewer Comment (2025-XX-09): Received required documentation. Condition cleared.<br>Buyer Comment (2025-XX-07): see attached | 5/XX/2025 8:28:51 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Investment | Refinance - Rate/Term |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223685808 | [redacted] | [redacted |  | 33793790 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Require Operating Agreement for [redacted] |  |  |  | Reviewer Comment (2025-XX-31): Received Operating Agreement for [redacted]. Exception Cleared<br>Buyer Comment (2025-XX-28): operating agreement | 3/XX/2025 8:10:48 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223685808 | [redacted] | [redacted |  | 33793792 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Require Certificate of Good Standing for [redacted] |  |  |  | Reviewer Comment (2025-XX-31): Received Certificate of Good standing t for [redacted]. Exception Cleared<br>Buyer Comment (2025-XX-28): COG uploaded | 3/XX/2025 8:11:07 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223685808 | [redacted] | [redacted |  | 33793793 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation missing for [redacted] |  |  |  | Reviewer Comment (2025-XX-31): Received Organization/Formation for [redacted]. Exception Cleared<br>Buyer Comment (2025-XX-28): page 18 of 22 | 3/XX/2025 8:11:34 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223685808 | [redacted] | [redacted |  | 33793794 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Initial rate lock doc reflects prepayment penalty structure as "Six Months Interest" however Prepayment Note Addendum reflects "12 months Interest" fixed with 3% prepayment charge. require updated Note document. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-XX-23): Investor exception provided.<br>Reviewer Comment (2025-XX-17): Acceptance as it pertains to pricing is noted; however, Note reflects 1 year PPP using flat 3%. Guides appear to require 1% flat fee on the1 year. That PPP option not under guides. Approved investor exception to accept and we can downgrade to EV2 informational keeping existing PPP in place.<br>Buyer Comment (2025-XX-17): The Buyer on this loan has agreed to accept the prepay as is with a pricing hit. <br>May we have this prepay condition cleared?<br>Reviewer Comment (2025-XX-16): Initial rate lock doc reflects prepayment penalty structure as "Six Months Interest" however Prepayment Note Addendum reflects "12 months Interest" fixed with 3% prepayment charge. require updated Note document. Lender to confirm the correct prepayment structure. Exception remains.<br>Buyer Comment (2025-XX-15): Per lender : Please review again |  |  | 4/XX/2025 10:24:40 AM | 2 | C | B | C | B | C | B | C | B | C | B |  | VA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223685808 | [redacted] | [redacted |  | 33793795 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Require current active lease agreement and rental deposit of two most recent bank statements showing consecutive rental payments. Current lease is expired without a month to month clause. |  |  |  | Reviewer Comment (2025-XX-21): Email provided showing borrower receives $XX net rent. Borrower's Bank statements provided show deposits. Cleared.<br>Buyer Comment (2025-XX-21): Please re - review. Emails sent showing Mgt co & Borrower<br>Reviewer Comment (2025-XX-17): Documentation the lease renews yearly was provided and noted. Still missing evidence of the monthly rent deposits of $XX. If management company receives rent and forwards net deposits to client. Provide management ledger reflecting gross receipt and then show us where the net deposits are being made to borrower to comply with guide requirement of "evidence of rent deposit to borrower. "<br>Buyer Comment (2025-XX-15): Per lender : Did you review the UW Cert that was uploaded to clarify the lease for you? This is not a month to month lease. The lease is done by a property management company. Please review the UW Cert and clear the condition.<br>Reviewer Comment (2025-XX-14): Lease addendum provided that shows the monthly rent increasing on 1/XX/2022 to $XXre still missing proof this is a month to month lease. Additionally, the statements provided don't show a payment of $XXyer Comment (2025-XX-11): bank statements<br>Buyer Comment (2025-XX-11): Underwriter cert<br>Reviewer Comment (2025-XX-08): Point 10.9 shows Renew of 1 year only it does not confirm auto renew every Year, additionally Lender used $XXual lease where as provided lease shows $XXd provided bank statement does not shows deposit IAO $XXer lease Tenant is xx and xx where as Bank statement shows xx payment from xxs which is also not matching monthly amount of $XXption Remains<br>Reviewer Comment (2025-XX-07): Point 10.9 shows Renew of 1 year only it does not confirm auto renew every Year, additionally Lender used $XXual lease where as provided lease shows $XXd provided bank statement does not shows deposit IAO $XXer lease Tenant is xx and xx where as Bank statement shows xx payment from xx which is alos not matching monthly amount of $XXption Remains<br>Buyer Comment (2025-XX-05): per lender Here is the full copy of the original lease agreement. see page 15 item 10.9 Cancellation; Renewal, states that the lease will automatically renew every year.<br>Buyer Comment (2025-XX-05): 2 moths bank statement | 4/XX/2025 9:12:46 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223685808 | [redacted] | [redacted |  | 33793797 |  |  | Credit | Credit | Credit Eligibility | Credit | Unacceptable credit - late payments 1X30 or greater within the last 12 months. |  | Documentation shows subject property loan paid thru 1/2025, payoff statement shows a late charge balance of $XX, need to verify late payment was not within the last 12 months. |  |  |  | Reviewer Comment (2025-XX-14): Credit supplement provided.<br>Buyer Comment (2025-XX-13): Credit supplement<br>Reviewer Comment (2025-XX-08): Comments are for other open exception.<br>Buyer Comment (2025-XX-08): Per lender : Here is January, February business account to show the receipt of rental income<br>Buyer Comment (2025-XX-08): Here is January, February business account to show the receipt of rental income | 4/XX/2025 3:36:42 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687710 | [redacted] | [redacted | XX | 33796238 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | PITIA reserves months updated as guideline. |  |  |  | Reviewer Comment (2024-XX-03): Received Wire copy of $XXansferred to Closing agent from account # XX prior to closing. Exception Cleared<br>Buyer Comment (2024-XX-02): Per lender : Please see a copy of the wire from title<br>Reviewer Comment (2024-XX-26): Kindly Provide Wire Copy of fund transferred to Closing agent XX $XXr subject closing. Exception remains<br>Buyer Comment (2024-XX-24): Assets<br>Buyer Comment (2024-XX-24): Per Lender : Please review rebuttal on reserves. Reuploading the accounts used in reserve calculation in case they need to be rereviewed | 10/XX/2024 11:41:27 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Primary | Purchase |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223687710 | [redacted] | [redacted | XX | 33796239 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2024-XX-03): Received Wire copy of $XXansferred to Closing agent from account # XX prior to closing. Exception Cleared | 10/XX/2024 11:42:36 AM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687710 | [redacted] | [redacted | XX | 33796240 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2024-XX-03): Received Wire copy of $XXansferred to Closing agent from account # XX prior to closing. Exception Cleared | 10/XX/2024 11:42:36 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Primary | Purchase |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223687710 | [redacted] | [redacted | XX | 33796241 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 08/XX/2024, Most Recent Tax Return End Date 12/XX/2022, Tax Return Due Date 03/XX/2024. | This is an EV2 informational exception and may be waived. |  |  |  | Buyer Comment (2024-XX-20): EV2; 2023 personal and business extensions in file |  |  | 9/XX/2024 3:56:51 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Purchase |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223687711 | [redacted] | [redacted | XX | 33796243 |  |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit Report is not legible copy in file for borrower. |  |  |  | Reviewer Comment (2023-XX-19): Credit report provided.<br>Buyer Comment (2023-XX-17): Credit | 7/XX/2023 4:29:53 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | IL | Primary | Refinance - Cash-out - Other |  | D | B | D | B | C | A | C | A | Non QM | Non QM | No |
| 223687711 | [redacted] | [redacted | XX | 33796244 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was provided 06/XX/23 which was not 3 business days prior to closing. |  |  |  | Reviewer Comment (2023-XX-25): Evidence of earlier delivery<br>Buyer Comment (2023-XX-21): Please see uploaded appraisal delivery on 6/XX/2023<br>Reviewer Comment (2023-XX-19): The acknowledgement was done onXX/XX<br> which is not 3 business days prior to closing.<br>Buyer Comment (2023-XX-17): Proof borrower received 1004 | 7/XX/2023 11:04:07 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | IL | Primary | Refinance - Cash-out - Other |  | D | B | D | B | C | A | C | A | Non QM | Non QM | No |
| 223687711 | [redacted] | [redacted | XX | 33796245 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2023-XX-10): Appraisal receipt provided.<br>Buyer Comment (2023-XX-08): Per Lender: "This disclosure was issued in error, the Appraiser increased the fee for the Appraisal because the home is a large custom home on a large lot. Processing sent the COC for the fee increase to redisclose and the IL copy of the Appraisal Notice was attached as well, the Borrower checked of he received the Appraisal while esigning."<br>Reviewer Comment (2023-XX-03): Doc ID 0173 shows the borrower acknowledged the receipt of an appraisal on 5/XX/2023. The document date is 5/XX/2023.<br>Buyer Comment (2023-XX-01): Please confirm the doc ID for what Receipt of Appraisal you are referring to? Per Lender there is no earlier appraisal report than what has been provided.<br>Reviewer Comment (2023-XX-25): File contains two appraisal one datedXX/XX<br> and one datedXX/XX<br> Receipt of an appraisal dated 05/XX/23 was before any appraisal completed. If there is an earlier dated appraisal report, please provide it for further review.<br>Buyer Comment (2023-XX-21): 5/XX/23 appraisal acknowledgement<br>Reviewer Comment (2023-XX-19): The acknowledgement was done onXX/XX<br> which is not 3 business days prior to closing.<br>Buyer Comment (2023-XX-17): Uploaded evidence that borrower received appraisals | 8/XX/2023 2:32:50 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | IL | Primary | Refinance - Cash-out - Other |  | D | B | D | B | C | A | C | A | Non QM | Non QM | No |
| 223687711 | [redacted] | [redacted | XX | 33796246 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.52722% or Final Disclosure APR of 8.53000% is equal to or greater than the threshold of APOR 6.68% + 1.5%, or 8.18000%. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.53682% or Final Disclosure APR of 8.53000% is equal to or greater than the threshold of APOR 6.68% + 1.5%, or 8.18000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2023-XX-14): Appraisal delivery provided.<br>Buyer Comment (2023-XX-11): Please see appraisal delivery documentation and comments on appraisal condition - this should clear up the appraisal delivery and resolve this exception regarding the HPML compliance. | 8/XX/2023 12:05:41 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Cash-out - Other |  | D | B | D | B | C | A | C | A | Non QM | Non QM | No |
| 223687711 | [redacted] | [redacted | XX | 33796247 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2023-XX-25): Evidence of earlier delivery<br>Buyer Comment (2023-XX-21): 6/XX/2023 appraisal delivery<br>Reviewer Comment (2023-XX-19): The acknowledgement was done onXX/XX<br> which is not 3 business days prior to closing.<br>Buyer Comment (2023-XX-17): Proof of appraisal delivery was uploaded | 7/XX/2023 11:04:07 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Cash-out - Other |  | D | B | D | B | C | A | C | A | Non QM | Non QM | No |
| 223687711 | [redacted] | [redacted | XX | 33796248 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2023-XX-14): Appraisal delivery provided.<br>Buyer Comment (2023-XX-11): \*\*Please see all 3 comments and uploads below\*\* There is no report completed 6/30, that would be the original Appraisal completed 5/30. Due to the previous copy in file being poor quality it only appeared to be 6/30, when it is actually 5/30. The tracking log showing the original appraisal was emailed to the borrower onXX/XX<br> has also been uploaded. The other report in file is datedXX/XX<br> - This report was E-delivered sent onXX/XX<br> and acknowledged by the borrower in the email dated 6/XX/23.<br>Buyer Comment (2023-XX-11): Tracking log showing 5/XX/23 appraisal report emailed to borrower on 5/XX/23<br>Buyer Comment (2023-XX-10): Please see attached E-delivery datedXX/XX<br> - Per Lender: "2nd Appraisal was completed on 6/XX/23"<br>Buyer Comment (2023-XX-10): Please see the attached clearer copy of the appraisal report - comments have referenced this being completed 6/XX/23, however the completion date is 5/XX/23.<br>Reviewer Comment (2023-XX-10): We have determined the appraisal notice dated in May was in error per LOX. We have two full appraisal s being tested for deliver. one dated 06/XX/23 and one dated 06/XX/23. We see emails to borrower one dated 06/XX/23 at 4:22pwere borrower acknowledges first appraisal attached. We will test first appraisal using that date. Please confirm or provide evidence of receipt for the 2nd appraisal dated 06/XX/23<br>Buyer Comment (2023-XX-08): Please see the attached Attestation from the lender - The Appraisal Notice dated 5/XX/23 was generated in error, no appraisal was completed prior to that date.<br>Reviewer Comment (2023-XX-03): Doc ID 0173<br>Buyer Comment (2023-XX-01): Please confirm the doc ID for what Receipt of Appraisal you are referring to? Per Lender there is no earlier appraisal report than what has been provided.<br>Reviewer Comment (2023-XX-25): File contains two appraisal one datedXX/XX<br> and one datedXX/XX<br> Receipt of an appraisal dated 05/XX/23 was before any appraisal completed. If there is an earlier dated appraisal report, please provide it for further review.<br>Buyer Comment (2023-XX-21): Please see uploaded 5/XX/23 appraisal acknowledgement<br>Reviewer Comment (2023-XX-19): The acknowledgement was done onXX/XX<br> which is not 3 business days prior to closing.<br>Buyer Comment (2023-XX-17): Proof of appraisal delivery was uploaded | 8/XX/2023 12:05:41 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Cash-out - Other |  | D | B | D | B | C | A | C | A | Non QM | Non QM | No |
| 223687711 | [redacted] | [redacted | XX | 33796252 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Require Recent and consecutive account statements covering a period of two (2) months for each bank for down payment and closing costs. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXBorrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2023-XX-21): Exception provided.<br>Buyer Comment (2023-XX-18): Please see attached exception from GS.<br>Reviewer Comment (2023-XX-03): 3.89 months reserves provided. Six months are required.<br>Buyer Comment (2023-XX-01): Bank statement<br>Reviewer Comment (2023-XX-19): The cash out cannot be used for reserves.<br>Buyer Comment (2023-XX-17): Per lender: I believe that the cash is allowed for the reserves |  |  | 8/XX/2023 2:46:29 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | IL | Primary | Refinance - Cash-out - Other |  | D | B | D | B | C | A | C | A | Non QM | Non QM | No |
| 223687711 | [redacted] | [redacted | XX | 33796255 |  |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | Appraisal in file with same effective date however since there are 2 appraisals with the same appraiser per guidelines only 1 needs to be entered |  |  |  | Reviewer Comment (2023-XX-19): CDA not required.<br>Buyer Comment (2023-XX-17): Per Lender: the original appraisal had a more that 10 % tolerance differenced from the CDA so a second appraisal was required | 7/XX/2023 4:56:37 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Cash-out - Other |  | D | B | D | B | C | A | C | A | Non QM | Non QM | No |
| 223687713 | [redacted] | [redacted | XX | 33796262 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.02434% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX on a Federal Total Loan Amount of $XX. an investor allowable total of $XX (an overage of $XX or .02434%). | Point change was due to re-appraisal of subject property and a valid change of circumstance |  |  |  | Reviewer Comment (2022-XX-10): Lender has granted blanked approval to Waive this open EV2 exception. |  |  | 11/XX/2022 9:12:06 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes |
| 223687713 | [redacted] | [redacted | XX | 33796264 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. Note: the disaster end date has not been identified. | Borrower has verified disposable income of at least $XXBorrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 9/XX/22 | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-XX-26): Post disaster inspection report, shows no damage, dated 9/XX/22, but the disaster does not have an end date yet.<br>Seller Comment (2022-XX-26): Inspection |  |  | 10/XX/2022 5:20:43 PM | 2 | C | B | C | B | C | B | B | B | C | B |  | FL | Primary | Purchase |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| 223687714 | [redacted] | [redacted | XX | 33796267 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | Nebraska Mortgage Bankers Registration and Licensing Act (Broker Notice Not Provided) | Nebraska Mortgage Bankers Registration and Licensing Act: Mortgage broker has received compensation from the borrower without providing a written agreement to the borrower. | The file was missing a copy of the Nebraska Broker Notice Disclosure or proof of the borrower's electronic receipt of the disclosure. |  |  |  | Reviewer Comment (2022-XX-10): Lender has granted blanked approval to Waive this open EV2 exception. |  |  | 11/XX/2022 9:24:24 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | NE | Primary | Purchase |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| 223687715 | [redacted] | [redacted | XX | 33796271 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Assumption | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan allows for Assumption. | ARM Note contains assumability verbiage. File does not contain a Non-Assumability Rider. Incorrectly disclosed |  |  |  | Reviewer Comment (2019-XX-14): Waived at client request |  |  | 10/XX/2019 1:49:31 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687715 | [redacted] | [redacted | XX | 33796272 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. | No cure provided |  |  |  | Reviewer Comment (2019-XX-14): Waived at client request |  |  | 10/XX/2019 1:49:48 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687715 | [redacted] | [redacted | XX | 33796273 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $XX less than amount of binding Lender Credit previously disclosed in the amount of $XX. | Change of Circumstance dated [redacted] added Lender credit. Final CD shows credit removed |  |  |  | Reviewer Comment (2019-XX-30): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided |  | 10/XX/2019 11:27:45 AM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687715 | [redacted] | [redacted | XX | 33796274 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure | TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. | Missing Seller's CD |  |  |  | Reviewer Comment (2019-XX-14): Waived at client request |  |  | 10/XX/2019 1:49:57 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687716 | [redacted] | [redacted |  | 33796277 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | PITIA reserves does not meet 12 months as missing full 60 days seasoning of [Redacted] account and [Redacted] of vested balance. |  |  |  | Reviewer Comment (2019-XX-08): Rec'd evidence of sufficient funds.<br>Buyer Comment (2019-XX-08): Asset statement xx/XX/xxxxo xx/XX/xxxxor 60 days seasoning and $XXdacted] shows in USD no conversion needed. Required reserves $XXdacted] | 3/XX/2019 10:40:11 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Investment | Purchase |  | C | A | C | A | A | A | A | A | N/A | N/A | No |
| 223687716 | [redacted] | [redacted |  | 33796279 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DTI Exceeds 50% and no exception approval is evident. |  |  |  | Reviewer Comment (2019-XX-08): Rec'd attestation letter that, per guidelines, the note rate is used to calculate the DTI.<br>Reviewer Comment (2019-XX-08): A copy of a Tax Cert (D0171) for an unidentified property and Lender's correspondence regarding Note rate used as qualifying rate provided. Unable to determine purpose of documents provided in relation to exception response comment by [Redacted] datedxx/XX/xxxx. Issue remains EV3 for [Redacted] % >50% maximum.<br>Reviewer Comment (2019-XX-08): Lender's correspondence reviewed regarding the basis of Lender's [Redacted] % DTI. Review's [Redacted] % DTI includes documented $XX monthly property taxes for [Redacted] ree and clear property. Lender's correspondence applies no monthly maintenance amount for [Redacted] property due to free and clear status of property. Issue remains EV3 for [Redacted] % >50% maximum. | 3/XX/2019 3:04:05 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Investment | Purchase |  | C | A | C | A | A | A | A | A | N/A | N/A | No |
| 223687717 | [redacted] | [redacted | XX | 33796283 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | The file was missing the Business bank statement for the month of XXXXX XXXXX. |  |  |  | Reviewer Comment (2023-XX-28): Received Business bank statement for XXXXX XXXXX verified and updated the details. Exception Cleared.<br>Seller Comment (2023-XX-28): XX/XX/XX KM: Attached. | 11/XX/2023 12:02:52 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | C | A | B | B | A | A | Non QM | Non QM | No |
| 223687717 | [redacted] | [redacted | XX | 33796285 |  |  | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.68551% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XXn investor allowable total of $XXn overage of $XX or 1.68551%). | XXXXX Points and Fees threshold exceeded by $XX or 1.68551% |  |  |  |  |  |  | 11/XX/2023 8:50:03 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes |
| 223687718 | [redacted] | [redacted | XX | 33796289 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 12/XX/2023 11:27:23 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Purchase |  | B | B | B | B | B | B | A | A | N/A | N/A | No |
| 223687718 | [redacted] | [redacted | XX | 33796290 |  |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | XXXXX Points and Fees on subject loan of 5.34790% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XX023). XXXXX Finance Charge total $XX a Original Loan Amount of $XXn allowable total of $XX (an overage of $XX or .34790%). | XXXXX Points and Fees on subject loan is in excess of the investor allowable threshold of $XX or .34790%. |  |  |  |  |  |  | 12/XX/2023 11:43:41 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | N/A | N/A | Yes |
| 223687719 | [redacted] | [redacted | XX | 33796294 |  |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 6.60648% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XX024). FNMA Finance Charge total $XX a Original Loan Amount of $XX. an allowable total of $XX024) (an overage of $XX or 1.60648%). | FNMA Points and Fees on subject loan of 6.60648% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XX024). FNMA Finance Charge total $XX a Original Loan Amount of $XX. an allowable total of $XXd $XX024) (an overage of $XX or 1.60648%). |  |  |  |  |  |  | 1/XX/2024 9:56:16 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | MA | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | N/A | N/A | Yes |
| 223687721 | [redacted] | [redacted | XX | 33796297 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 1/XX/2024 11:30:56 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | C | B | A | A | D | A | Non QM | Non QM | No |
| 223687721 | [redacted] | [redacted | XX | 33796298 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2024-XX-09): Received and associated 2nd Appraisal Report dated 10/XX/2023. Details updated. Exception cleared.<br>Seller Comment (2024-XX-08): 1/8 kg: Please see both appraisals attached that are completed by two separate appraisers. | 1/XX/2024 4:04:25 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | C | B | A | A | D | A | Non QM | Non QM | No |
| 223687721 | [redacted] | [redacted | XX | 33796304 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing the copy of the Income worksheet document. |  |  |  | Reviewer Comment (2024-XX-13): Received the copy of the Income worksheet document. Exception Cleared.<br>Seller Comment (2024-XX-12):XX/XX<br> kg: Please see attached income worksheet and updated 1003<br>Reviewer Comment (2024-XX-09): Provided income worksheet page is already there in file. However, we require income worksheet to reflect all the deposits and unsourced deposits month wise. Exception remains.<br>Seller Comment (2024-XX-08): 1/8 kg: Please see attached | 2/XX/2024 11:52:44 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | C | B | A | A | D | A | Non QM | Non QM | No |
| 223687722 | [redacted] | [redacted | XX | 33796307 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.46707% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XXn overage of $XX or .46707%). | Fannie Mae Points and Fees threshold exceeded by an overage of $XX or .46707% |  |  |  |  |  |  | 1/XX/2024 1:05:15 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | OR | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes |
| 223687722 | [redacted] | [redacted | XX | 33796310 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Calculated combined loan to value percentage of 84.99994% exceeds Guideline combined loan to value percentage of 80.00000%. There is a Lender Exception in file approving this. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $XX. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-XX-01): Client elects to waive with comp factors: Reserves: $XX DTI: 38.5; Residual Income: $XX |  |  | 2/XX/2024 1:51:58 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | OR | Primary | Purchase |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| 223687722 | [redacted] | [redacted | XX | 33796311 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Calculated combined loan to value percentage of 84.99994% exceeds Guideline combined loan to value percentage of 80.00000%. There is a Lender Exception in file approving this. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $XX. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-XX-01): Client elects to waive with comp factors: Reserves: $XX DTI: 38.5; Residual Income: $XX |  |  | 2/XX/2024 1:52:17 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | OR | Primary | Purchase |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| 223687722 | [redacted] | [redacted | XX | 33796314 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XX0 exceeds tolerance of $XX0 plus 10% or $XX0. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-XX-12): Sufficient Cure Provided At Closing |  | 1/XX/2024 2:07:51 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | OR | Primary | Purchase | Final CD evidences Cure | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes |
| 223687724 | [redacted] | [redacted | XX | 33796318 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 3/XX/2024 3:50:12 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Investment | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | N/A | No |
| 223687725 | [redacted] | [redacted | XX | 33796322 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 3/XX/2024 12:54:18 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | WA | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| 223687726 | [redacted] | [redacted | XX | 33796325 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 5/XX/2024 9:21:51 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | MT | Investment | Purchase |  | B | B | A | A | B | B | A | A | N/A | N/A | No |
| 223687727 | [redacted] | [redacted | XX | 33796327 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | The file was missing proof the disclosure was provided to the borrower(s) within 3 days of the application date. |  |  |  |  |  |  | 6/XX/2024 8:58:08 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Investment | Purchase |  | B | B | A | A | B | B | A | A | N/A | N/A | No |
| 223687728 | [redacted] | [redacted | XX | 33796333 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of 4.81 is less than Guideline PITIA months reserves of 6.00. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXBorrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-XX-23): Client elects to waive, compensating factors: 59% LTV, owned subject 8yrs & SE 16 yrs<br>Seller Comment (2024-XX-18):XX/XX<br> NR: While UWM acknowledges the lack of acceptable reserves on this file, we believe this loan is still of investment quality for the following reasons: 1.) The borrower has a NBI that has additional assets of $XX401k. 2.) the borrower has lived in the primary residence for 8 years. 3.) Stable employment/income history for 12 years. |  |  | 7/XX/2024 4:21:50 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | IL | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223687728 | [redacted] | [redacted | XX | 33796334 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  | Reviewer Comment (2024-XX-23): Client waived ATR exception, exception cleared<br>Seller Comment (2024-XX-18):XX/XX<br> NR: While UWM acknowledges the lack of acceptable reserves on this file, we believe this loan is still of investment quality for the following reasons: 1.) The borrower has a NBI that has additional assets of $XX401k. 2.) the borrower has lived in the primary residence for 8 years. 3.) Stable employment/income history for 12 years. | 7/XX/2024 4:23:25 PM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes |
| 223687728 | [redacted] | [redacted | XX | 33796335 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2024-XX-23): Client waived ATR exception, exception cleared<br>Seller Comment (2024-XX-18):XX/XX<br> NR: While UWM acknowledges the lack of acceptable reserves on this file, we believe this loan is still of investment quality for the following reasons: 1.) The borrower has a NBI that has additional assets of $XX401k. 2.) the borrower has lived in the primary residence for 8 years. 3.) Stable employment/income history for 12 years. | 7/XX/2024 4:23:25 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Refinance - Cash-out - Other |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223687729 | [redacted] | [redacted | XX | 33796338 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.56070% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX on a Federal Total Loan Amount of $XX. an investor allowable total of $XX (an overage of $XX or .56070%). | Fannie Mae Points and Fees exceed allowable threshold by $XX or .56070%. |  |  |  |  |  |  | 7/XX/2024 10:24:10 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes |
| 223687731 | [redacted] | [redacted | XX | 33796343 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 8/XX/2024 8:19:34 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Investment | Purchase |  | B | B | A | A | B | B | A | A | N/A | N/A | No |
| 223687732 | [redacted] | [redacted | XX | 33796346 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 8/XX/2024 9:57:22 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Investment | Refinance - Rate/Term |  | B | B | A | A | B | B | A | A | N/A | N/A | No |
| 223687732 | [redacted] | [redacted | XX | 33796349 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of 54.36439% exceeds Guideline total debt ratio of 50.00000%. |  |  |  | Reviewer Comment (2024-XX-21): Payments for REO property is made by borrowers business. 12 months Bank statements associated in REO screen and monthly payment excluded from DTI calculation. Currently DTI is within guidelines limit. Exception is cleared.<br>Seller Comment (2024-XX-20):XX/XX<br> KT Hi Team, it appears that the Specialized loan is being included in the net REO negative cash flow - the loan is paid by the borrowers business and as such is not required to be in the DTI ratio. When this is removed, the qualifying DTI should be 36.32%. Please let me know if you have any additional questions on this one! | 8/XX/2024 12:30:15 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | AZ | Investment | Refinance - Rate/Term |  | B | B | A | A | B | B | A | A | N/A | N/A | No |
| 223687733 | [redacted] | [redacted | XX | 33796352 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.96907% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XX (an overage of $XX or 1.96907%). | Fannie Mae Points and Fees exceed allowable threshold by $XX or 1.96907%. |  |  |  |  |  |  | 9/XX/2024 9:23:11 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | VA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687733 | [redacted] | [redacted | XX | 33796355 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $XX exceeds tolerance of $XXufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $XX exceeds tolerance of $XXfficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2024-XX-24): SitusAMC received valid COC and CD dated 08/XX/2024<br>Seller Comment (2024-XX-20): On 8.5 there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at 2.504% or $XX with lender paid compensation of $XX and a Final Cost to the Borrower of 5.254% or $XXthe borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from 5.254% or $XX 2.504% or $XX. On 8.7 a Closing disclosure went out to the borrower to redisclose the Discount points becoming a charge for the rate at $XX. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form. | 9/XX/2024 1:07:01 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687734 | [redacted] | [redacted | XX | 33796356 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 9/XX/2024 11:14:53 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Investment | Purchase |  | B | B | A | A | B | B | A | A | Non QM | N/A | No |
| 223687734 | [redacted] | [redacted | XX | 33796357 |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  | Reviewer Comment (2024-XX-24): Earlier disclosure provided. Exception cleared. | 9/XX/2024 1:15:18 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | FL | Investment | Purchase |  | B | B | A | A | B | B | A | A | Non QM | N/A | No |
| 223687735 | [redacted] | [redacted | XX | 33796359 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary title policy does not state a coverage amount. |  |  |  |  |  |  | 8/XX/2024 10:50:23 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Purchase |  | C | B | C | B | A | A | A | A | N/A | N/A | No |
| 223687735 | [redacted] | [redacted | XX | 33796360 |  |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | The file is missing documentation confirming the condo project is warrantable. | The representative FICO score is above 680. | FICO: 765 | SitusAMC | Reviewer Comment (2024-XX-26): Client elects to waive. FICO 765; DTI 40%; Reserves $XX 17 years employment<br>Reviewer Comment (2024-XX-25): Client to review<br>Seller Comment (2024-XX-25): Uploaded UW Condo Cert<br>Reviewer Comment (2024-XX-12): Seller to provide an attestation verifying the condo is warrantable. Exception remains.<br>Seller Comment (2024-XX-10): Upload transmittal approval on Condo |  |  | 9/XX/2024 7:50:12 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Investment | Purchase |  | C | B | C | B | A | A | A | A | N/A | N/A | No |
| 223687737 | [redacted] | [redacted | XX | 33796363 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 9/XX/2024 8:54:19 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Investment | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A | N/A | N/A | No |
| 223687737 | [redacted] | [redacted | XX | 33796364 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXovide updated policy reflecting minimum coverage of $XX0.00 OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2024-XX-24): Additional coverage updated from Florida Checklist of Coverage and document associated. Sufficient amount of insurance coverage available. Exception is cleared. | 9/XX/2024 12:15:51 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A | N/A | N/A | No |
| 223687737 | [redacted] | [redacted | XX | 33796365 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Per appraisal, subject is a vacation/short term rental. Per guides, short term rental income can only be used with a 2-year history of receipt for that property on the tax returns, leases are not acceptable to document income. The income reported for the subject is reported under an partnership, [redacted]. File contains only the 2022 partnership returns. For review purposes, the rental income for the subject is calculated using just the one year return, but requires the second from 2021 to complete the review. |  |  |  | Reviewer Comment (2024-XX-08): 1065 including 8825 for the year 2021 received and associated. Per guidelines, 2-year history of receipt on the tax returns is documented. Exception is cleared. | 10/XX/2024 9:19:23 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A | N/A | N/A | No |
| 223687737 | [redacted] | [redacted | XX | 33796367 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is located in a FEMA disaster that does not have a declared end date. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2024-XX-26): Client elects to waive: in home 14yrs, 708 FICO & 16mo reserves<br>Reviewer Comment (2024-XX-24): Client to review.<br>Seller Comment (2024-XX-24): (Rate Lock) Could you please re-assign condition to "Buyer" so that they can review and clear next week when they review escalation requests. Thank you<br>Reviewer Comment (2024-XX-23): A Disaster Inspection Report cannot be accepted to verify the subject property was not damaged until after the end date of the disaster has been identified by FEMA. Exception remains. |  |  | 10/XX/2024 2:37:48 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | FL | Investment | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A | N/A | N/A | No |
| 223687738 | [redacted] | [redacted | XX | 33796368 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 9/XX/2024 6:39:33 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| 223687738 | [redacted] | [redacted | XX | 33796369 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.41928% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XXn overage of $XX or .41928%). | Fannie Mae Points and Fees exceed allowable threshold by $XX or .41928%. |  |  |  |  |  |  | 9/XX/2024 6:39:33 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | B | B | A | A | Non QM | Non QM | Yes |
| 223687738 | [redacted] | [redacted | XX | 33796372 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after 08/XX/2024 declared end date. |  |  |  | Reviewer Comment (2024-XX-30): Received Post Disaster inspection report, inspection date updated and document associated. Exception is cleared.<br>Seller Comment (2024-XX-30): Please see attached. | 9/XX/2024 2:18:13 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| 223687738 | [redacted] | [redacted | XX | 33796375 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The subject property is located in a FEMA disaster area that does not have a declared end date. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. | Borrower has verified disposable income of at least $XXBorrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-XX-05): Client elects to waive. Comp factors: 18mo reserves, 3.5yrs VOR with 0 lates & 3yrs SE<br>Reviewer Comment (2024-XX-05): Received PDI reflects inspection date as 10/XX/2024 however FEMA disaster end date is 11/XX/2024. Please provide inspection report which reflects inspection date on or after 11/XX/2024. Exception remains.<br>Seller Comment (2024-XX-05): 11.05 cdl - Please see attached PDI. |  |  | 11/XX/2024 8:04:21 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | FL | Primary | Purchase |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| 223687738 | [redacted] | [redacted | XX | 33796376 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after 11/XX/2024 declared end date. | Borrower has verified disposable income of at least $XXBorrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-XX-05): Client elects to waive. Comp factors: 18mo reserves, 3.5yrs VOR with 0 lates & 3yrs SE |  |  | 11/XX/2024 8:04:15 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | FL | Primary | Purchase |  | C | B | C | B | B | B | A | A | Non QM | Non QM | No |
| 223687739 | [redacted] | [redacted | XX | 33796377 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 9/XX/2024 11:13:22 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TN | Primary | Refinance - Cash-out - Home Improvement |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| 223687740 | [redacted] | [redacted | XX | 33796381 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-XX-05): Received final title policy. Exception cleared. | 12/XX/2022 6:04:17 PM |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | MD | Primary | Refinance - Cash-out - Other |  | C | B | B | A | C | B | A | A | Non QM | Non QM | No |
| 223687740 | [redacted] | [redacted | XX | 33796382 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-XX-05): Received final title policy. Exception cleared.<br>Seller Comment (2022-XX-02): FTP | 12/XX/2022 6:04:22 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MD | Primary | Refinance - Cash-out - Other |  | C | B | B | A | C | B | A | A | Non QM | Non QM | No |
| 223687740 | [redacted] | [redacted | XX | 33796384 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.99461% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XXnvestor allowable total of $XXn overage of $XX or .99461%). | Points and Fees threshold exceeded by $XX or .99461%. |  |  |  | Reviewer Comment (2022-XX-06): Client elects to waive.<br>Reviewer Comment (2022-XX-05): Client to review.<br>Seller Comment (2022-XX-02): Disagree - Please note that the Fannie Mae points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan.<br>Bank Statement loans are not subject to QM, Fannie, Freddie or State-Specific high cost testing. They are still required to pass HOEPA and our investors will take HPML fails on them as long as all the requirements are met. i.e. (no appraisal wavier, no escrow waiver, and not NY)<br>Our contract states that xx will buy xx as long as all the requirements were met, as they were on this loan. |  |  | 12/XX/2022 3:18:08 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687740 | [redacted] | [redacted | XX | 33796385 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2022-XX-05): SitusAMC received Initial CD dated 10/XX/2022 & Delivery Tracking Report.<br>Seller Comment (2022-XX-02): Please see the attached Initial CD and TRID History showing proof of receipt. | 12/XX/2022 2:23:54 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MD | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | B | A | C | B | A | A | Non QM | Non QM | No |
| 223687740 | [redacted] | [redacted | XX | 33796386 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XX exceeds tolerance of $XX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-XX-28): Sufficient Cure Provided At Closing |  | 11/XX/2022 9:49:22 AM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687741 | [redacted] | [redacted | XX | 33796389 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after 11/XX/2022 declared end date. |  |  |  | Reviewer Comment (2023-XX-23): PDI received reflecting no damage<br>Seller Comment (2023-XX-18): Disaster Inspection | 1/XX/2023 2:44:15 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223687741 | [redacted] | [redacted | XX | 33796391 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.63039% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XXn overage of $XX .63039%). | Points and Fees on subject loan of 3.63039% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XXn overage of $XX .63039%). |  |  |  | Reviewer Comment (2022-XX-21): Client elects to waive<br>Reviewer Comment (2022-XX-19): Client to review |  |  | 12/XX/2022 3:29:47 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687741 | [redacted] | [redacted | XX | 33796392 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 08/XX/2022 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within three (3) business days of application date of 08/XX/2022. Initial Loan Estimate dated 08/XX/2022 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/05/2022) |  |  |  | Reviewer Comment (2022-XX-21): SitusAMC received e consent dated 08/XX/2022<br>Seller Comment (2022-XX-20): econsent | 12/XX/2022 1:47:12 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223687742 | [redacted] | [redacted | XX | 33796393 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after 09/XX/2022 declared end date. |  |  |  | Reviewer Comment (2022-XX-05): PDI provided.<br>Seller Comment (2022-XX-02): disaster inspection | 12/XX/2022 2:18:39 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | A | A | A | A | Non QM | Non QM | No |
| 223687743 | [redacted] | [redacted | XX | 33796399 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Exception triggered due to points and fees failure. |  |  |  | Reviewer Comment (2023-XX-14): Designation restated to Non-QM.<br>Buyer Comment (2023-XX-24): GS pending response from HB<br>Reviewer Comment (2023-XX-09): Client to review.<br>Seller Comment (2023-XX-04): UDR and UDP<br>Reviewer Comment (2022-XX-29): The discount points are not being excluded as the loan did not meet the discount point standard exclusion as indicated in the deal settings.<br> • Loan amount of $XXiscounted rate of 6.125% at credit of -2.625% <br> • CD reflects borrower is paying 1% in discount points to lower the rate to 5.875%. <br> • We have a 0.25% reduction in rate with 3.625 discount points paid. The ratio for that reduction is 0.068966 (0.25/3.625). The deal is set to use a 0.25 ratio. Since the ratio is less than the minimum set for the deal, the discount points are not being excluded.<br>Seller Comment (2022-XX-21): Breakdown of fees attached<br>Reviewer Comment (2022-XX-15): Updated documentation received reflects a higher undiscounted price than the discount points the borrower paid at closing: •Undiscounted Price is 2.625 for Undiscounted Rate of 6.125% •Discount points paid at closing are 1% for Note Rate of 5.875%. Please verify that is the true undiscounted price.<br>Seller Comment (2022-XX-12): UDR and UDP attached<br>Reviewer Comment (2022-XX-06): In order to perform the bona fide discount test for exclusion consideration, we would also need have the undiscounted starting rate price. Please provide the undiscounted \*price\* associated with obtaining the undiscounted rate of 6.125%.<br>Seller Comment (2022-XX-01): Points and Fees breakdown | 2/XX/2023 4:34:03 PM |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223687743 | [redacted] | [redacted | XX | 33796400 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.25304% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an allowable total of $XXn overage of $XX or .25304%). | QM Points and Fees threshold exceeded by $XX or .25304%. Loan was consummated after 01/XX/21. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations. |  |  |  | Reviewer Comment (2023-XX-14): Designation restated to Non-QM.<br>Buyer Comment (2023-XX-24): GS pending response from HB<br>Reviewer Comment (2023-XX-09): Client to review, due to the .25% threshold setting, the loan is failing QM points and fees, see comment history.<br>Seller Comment (2023-XX-04): UDR and UDP<br>Reviewer Comment (2022-XX-29): The discount points are not being excluded as the loan did not meet the discount point standard exclusion as indicated in the deal settings.<br> • Loan amount of $XX Undiscounted rate of 6.125% at credit of -2.625% <br> • CD reflects borrower is paying 1% in discount points to lower the rate to 5.875%. <br> • We have a 0.25% reduction in rate with 3.625 discount points paid. The ratio for that reduction is 0.068966 (0.25/3.625). The deal is set to use a 0.25 ratio. Since the ratio is less than the minimum set for the deal, the discount points are not being excluded.<br>Seller Comment (2022-XX-21): Breakdown of fees attached<br>Reviewer Comment (2022-XX-15): Updated documentation received reflects a higher undiscounted price than the discount points the borrower paid at closing: •Undiscounted Price is 2.625 for Undiscounted Rate of 6.125% •Discount points paid at closing are 1% for Note Rate of 5.875%. Please verify that is the true undiscounted price.<br>Seller Comment (2022-XX-12): UDR and UDP attached<br>Reviewer Comment (2022-XX-06): In order to perform the bona fide discount test for exclusion consideration, we would also need have the undiscounted starting rate price. Please provide the undiscounted \*price\* associated with obtaining the undiscounted rate of 6.125%.<br>Seller Comment (2022-XX-01): Points and Fees breakdown | 2/XX/2023 4:34:03 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Non QM | No |
| 223687743 | [redacted] | [redacted | XX | 33796401 |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The appraisal was not in the name of the lender. HPML/Safe Harbor requires correct lender to be identified. Provide a revised appraisal correcting the client. |  |  |  | Reviewer Comment (2022-XX-13): Client elects to waive<br>Seller Comment (2022-XX-12): UDR and UDP attached |  |  | 12/XX/2022 5:00:31 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CO | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Non QM | No |
| 223687743 | [redacted] | [redacted | XX | 33796402 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.25304% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XXn overage of $XX or .25304%). |  |  |  |  | Reviewer Comment (2023-XX-15): Client elects to waive. |  |  | 2/XX/2023 12:39:27 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | CO | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Non QM | Yes |
| 223687743 | [redacted] | [redacted | XX | 33796403 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Designation restated to Non-QM. |  |  |  | Reviewer Comment (2023-XX-15): Client elects to waive. |  |  | 2/XX/2023 12:37:12 PM | 2 |  | A |  | B |  | B |  | B |  | A |  | CO | Primary | Refinance - Cash-out - Other |  | C | B | A | A | C | B | B | B | Safe Harbor QM (APOR) | Non QM | No |
| 223687744 | [redacted] | [redacted | XX | 33796406 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (2022-XX-23): Offset applied for seller paid discount points per Itemization in file. Loan is not high cost.<br>Reviewer Comment (2022-XX-22): elevated to compliance<br>Seller Comment (2022-XX-16): Please see the attached Loan Detail Report and Seller CD. There are $XX Seller Credits, which were applied to the Discount Points and Originator Comp. This, combined with the other excludable charges (Tax Service, Flood Cert, MERS, Title Fees, and Prepaid Interest) reduced the Total P&Fs to $XX271%. Loan is not High Cost. | 12/XX/2022 10:08:38 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| 223687744 | [redacted] | [redacted | XX | 33796407 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | Reviewer Comment (2022-XX-23): Offset applied for seller paid discount points per Itemization in file. Loan is not high cost.<br>Reviewer Comment (2022-XX-22): Elevated to compliance<br>Seller Comment (2022-XX-16): Please see the attached Loan Detail Report and Seller CD. There are $XX Seller Credits, which were applied to the Discount Points and Originator Comp. This, combined with the other excludable charges (Tax Service, Flood Cert, MERS, Title Fees, and Prepaid Interest) reduced the Total P&Fs to $XX271%. Loan is not High Cost. | 12/XX/2022 10:08:38 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| 223687744 | [redacted] | [redacted | XX | 33796408 |  |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 7.19512% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $XX a Federal Total Loan Amount of $XX. an allowable total of $XXn overage of $XX or 2.19512%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2022-XX-23): Offset applied for seller paid discount points per Itemization in file. Loan is not high cost.<br>Reviewer Comment (2022-XX-22): elevated to compliance<br>Seller Comment (2022-XX-16): Please see the attached Loan Detail Report and Seller CD. There are $XX Seller Credits, which were applied to the Discount Points and Originator Comp. This, combined with the other excludable charges (Tax Service, Flood Cert, MERS, Title Fees, and Prepaid Interest) reduced the Total P&Fs to $XX271%. Loan is not High Cost. | 12/XX/2022 10:08:38 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687744 | [redacted] | [redacted | XX | 33796409 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | Reviewer Comment (2022-XX-23): Offset applied for seller paid discount points per Itemization in file. Loan is not high cost.<br>Reviewer Comment (2022-XX-22): elevated to compliance<br>Seller Comment (2022-XX-16): Please see the attached Loan Detail Report and Seller CD. There are $XX Seller Credits, which were applied to the Discount Points and Originator Comp. This, combined with the other excludable charges (Tax Service, Flood Cert, MERS, Title Fees, and Prepaid Interest) reduced the Total P&Fs to $XX271%. Loan is not High Cost. | 12/XX/2022 10:08:38 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| 223687744 | [redacted] | [redacted | XX | 33796410 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 7.19512% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XXn overage of $XX 4.19512%). |  |  |  |  | Reviewer Comment (2022-XX-21): Client elects to waive<br>Reviewer Comment (2022-XX-19): Client to review.<br>Seller Comment (2022-XX-16): Please note that the Fannie Mae points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan.<br>Bank Statement loans are not subject to QM, Fannie, Freddie or State-Specific high cost testing. They are still required to pass HOEPA and our investors will take HPML fails on them as long as all the requirements are met. i.e. (no appraisal wavier, no escrow waiver, and not NY)<br>Our contract states that xx will buy xx as long as all the requirements were met, as they were on this loan. |  |  | 12/XX/2022 3:29:47 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687744 | [redacted] | [redacted | XX | 33796411 |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) California Covered Loan (Consumer Caution and Home Ownership Counseling Notice Not Provided) | California Covered Loan: Borrower not provided with Consumer Caution and Home Ownership Counseling Notice. |  |  |  |  | Reviewer Comment (2022-XX-23): Offset applied for seller paid discount points per Itemization in file. Loan is not high cost.<br>Reviewer Comment (2022-XX-22): elevated to compliance<br>Seller Comment (2022-XX-16): Please see the attached Loan Detail Report and Seller CD. There are $XX Seller Credits, which were applied to the Discount Points and Originator Comp. This, combined with the Prepaid Interest reduced the Total P&Fs to $XX343%. Loan is compliant. | 12/XX/2022 10:46:12 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| 223687744 | [redacted] | [redacted | XX | 33796412 |  |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) California Covered Loan (Points and Fees) | California Anti-Predatory Lending Statute: Points and Fees on subject loan of 7.65031% is in excess of the allowable maximum of 6.00000% of the Total Loan Amount. Points and Fees total $XX a Total Loan Amount of $XX. an allowable total of $XXn overage of $XX or 1.65031%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2022-XX-23): Offset applied for seller paid discount points per Itemization in file. Loan is not high cost.<br>Reviewer Comment (2022-XX-22): elevated to compliance<br>Seller Comment (2022-XX-16): Please see the attached Loan Detail Report and Seller CD. There are $XX Seller Credits, which were applied to the Discount Points and Originator Comp. This, combined with the Prepaid Interest reduced the Total P&Fs to $XX343%. Loan is compliant. | 12/XX/2022 10:46:12 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 45 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687744 | [redacted] | [redacted | XX | 33796415 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XX0 exceeds tolerance of $XX0 plus 10% or $XX0. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $XX due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-XX-13): Sufficient Cure Provided At Closing |  | 12/XX/2022 10:26:28 AM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687744 | [redacted] | [redacted | XX | 33796416 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XX exceeds tolerance of $XXficient or excess cure was provided to the borrower at Closing. | Credit report Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $XX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-XX-13): Sufficient Cure Provided At Closing |  | 12/XX/2022 10:26:28 AM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687746 | [redacted] | [redacted | XX | 33796433 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2023-XX-23): Client elects to waive.<br>Seller Comment (2023-XX-22): XX/XX/XX RF see attached please clear thank you! |  |  | 5/XX/2023 7:45:04 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Refinance - Cash-out - Other |  | B | B | B | B | B | B | A | A | Non QM | Non QM | No |
| 223687746 | [redacted] | [redacted | XX | 33796434 |  |  | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.91203% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XXn investor allowable total of $XXn overage of $XX .91203%). | Points and Fees exceed threshold by $XX .91203%. |  |  |  | Reviewer Comment (2023-XX-23): Client elects to waive.<br>Reviewer Comment (2023-XX-15): Client to review |  |  | 5/XX/2023 7:44:37 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes |
| 223687746 | [redacted] | [redacted | XX | 33796435 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | The appraisal delivery confirmation does not confirm which appraisal was provided or if both were. Please confirm the most recent version of each appraisal was provided to the borrower. |  |  |  | Reviewer Comment (2023-XX-19): Evidence of appraisal delivery received<br>Seller Comment (2023-XX-17): Please see attached appraisal delivery and confirmation on XX/XX/XX (this is prior to the second appraisal, this is for the first appraisal on XX/XX/XX). We also have appraisal delivery and confirmation for the second appraisal (XX/XX/XX. | 5/XX/2023 1:28:09 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NY | Primary | Refinance - Cash-out - Other |  | B | B | B | B | B | B | A | A | Non QM | Non QM | No |
| 223687746 | [redacted] | [redacted | XX | 33796436 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | The appraisal delivery confirmation does not confirm which appraisal was provided or if both were. Please confirm the most recent version of each appraisal was provided to the borrower. |  |  |  | Reviewer Comment (2023-XX-19): Evidence of appraisal delivery received<br>Seller Comment (2023-XX-17): Please see attached appraisal delivery and confirmation on XX/XX/XX (this is prior to the second appraisal, this is for the first appraisal on XX/XX/XX). We also have appraisal delivery and confirmation for the second appraisal (XX/XX/XX. | 5/XX/2023 1:28:09 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NY | Primary | Refinance - Cash-out - Other |  | B | B | B | B | B | B | A | A | Non QM | Non QM | No |
| 223687746 | [redacted] | [redacted | XX | 33796437 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Primary appraisal had revisions; evidence the original document was provided to the borrower is not in file. |  |  |  | Reviewer Comment (2023-XX-19): Evidence of appraisal delivery received<br>Seller Comment (2023-XX-17): Please see attached appraisal delivery and confirmation on XX/XX/XX (this is prior to the second appraisal, this is for the first appraisal on XX/XX/XX). We also have appraisal delivery and confirmation for the second appraisal (XX/XX/XX. | 5/XX/2023 1:28:09 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NY | Primary | Refinance - Cash-out - Other |  | B | B | B | B | B | B | A | A | Non QM | Non QM | No |
| 223687747 | [redacted] | [redacted | XX | 33796438 |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | File is missing Lenders initial 1003. |  |  |  | Reviewer Comment (2023-XX-24): Initial 1003 provided.<br>Seller Comment (2023-XX-22): Uploaded Initial 1003 | 8/XX/2023 11:04:10 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | B | B | B | B | B | A | A | A | Non QM | Non QM | No |
| 223687747 | [redacted] | [redacted | XX | 33796441 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2023-XX-20): Client elects to waive.<br>Seller Comment (2023-XX-20): Updated TP |  |  | 6/XX/2023 5:26:31 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | B | B | B | B | B | A | A | A | Non QM | Non QM | No |
| 223687748 | [redacted] | [redacted | XX | 33796442 |  |  | Credit | Documents | Missing Document | Documents | File does not contain documentation form lender/seller confirming the condo is warrantable. |  | Loan was submitted under the XXXXX Non-QM program, where all condo projects must be warrantable. File contains lender attestation the project is not warrantable and is therefore ineligible. |  |  |  | Reviewer Comment (2023-XX-05): Evidence provided addressing the issue that was noted to make subject unwarrantable was done in error, therefore subject is warrantable and eligible.<br>Seller Comment (2023-XX-03): Please see attached. | 5/XX/2023 4:54:54 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Purchase |  | C | A | C | A | A | A | A | A | N/A | N/A | No |
| 223687749 | [redacted] | [redacted | XX | 33796443 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XX0 exceeds tolerance of $XXficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2023-XX-25): Sufficient Cure Provided At Closing |  | 8/XX/2023 11:07:49 AM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NY | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | D | A | A | A | A | A | D | A | Non QM | Non QM | Yes |
| 223687749 | [redacted] | [redacted | XX | 33796444 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2023-XX-06): Desk review provided.<br>Seller Comment (2023-XX-06): XX/XX/XX KM: Attached. | 9/XX/2023 12:59:19 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | NY | Second Home | Refinance - Cash-out - Other |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| 223687749 | [redacted] | [redacted | XX | 33796445 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX - No MLS Sheets - 2 Days |  |  |  | Reviewer Comment (2023-XX-06): Desk review provided.<br>Reviewer Comment (2023-XX-06): Valuation Received - XX/XX/XX | 9/XX/2023 12:58:48 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | NY | Second Home | Refinance - Cash-out - Other |  | D | A | A | A | A | A | D | A | Non QM | Non QM | No |
| 223687750 | [redacted] | [redacted | XX | 33796446 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | The file was missing a copy of the required bank statement for period XX/XX/XX. |  |  |  | Reviewer Comment (2023-XX-06): Received business bank statement of XXXXX XXXXX verified and updated the details. Exception Cleared.<br>Seller Comment (2023-XX-05): XX/XX/XX KR: attached | 10/XX/2023 5:53:14 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MD | Primary | Purchase |  | C | B | C | A | B | B | A | A | Non QM | Non QM | No |
| 223687750 | [redacted] | [redacted | XX | 33796449 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | XXXXX Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  | Reviewer Comment (2023-XX-04): Client elects to waive. |  |  | 10/XX/2023 6:38:43 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Purchase |  | C | B | C | A | B | B | A | A | Non QM | Non QM | No |
| 223687750 | [redacted] | [redacted | XX | 33796450 |  |  | Compliance | Compliance | State Compliance | State HPML | XXXXX HPML Threshold Test Non-Compliant | XXXXX Higher-Priced Mortgage Loan: APR on subject loan of 9.66867% or Final Disclosure APR of 9.67000% is equal to or greater than the threshold of APOR 6.96% + 2.5%, or 9.46000%. Non-Compliant Higher Priced Loan. | APR on subject loan of 9.66867% or Final Disclosure APR of 9.67000% is equal to or greater than the threshold of APOR 6.96% + 2.5%, or 9.46000%. Non-Compliant Higher Priced Loan. |  |  |  | Reviewer Comment (2023-XX-04): Client elects to waive. |  |  | 10/XX/2023 6:38:54 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Primary | Purchase |  | C | B | C | A | B | B | A | A | Non QM | Non QM | No |
| 223687750 | [redacted] | [redacted | XX | 33796451 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing a copy of the required Bank statement. |  |  |  | Reviewer Comment (2023-XX-11): Received business bank statement of XXXXX XXXXX verified and updated the details. Exception Cleared.<br>Seller Comment (2023-XX-10): XX/XX/XX AMB: Please see the attached business bank statement for XXXXX. | 10/XX/2023 7:20:33 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MD | Primary | Purchase |  | C | B | C | A | B | B | A | A | Non QM | Non QM | No |
| 223687751 | [redacted] | [redacted | XX | 33796453 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end date. |  |  |  | Reviewer Comment (2023-XX-28): Received Disaster Inspection reflecting no damage. Exception cleared.<br>Seller Comment (2023-XX-25): XX/XX/XX cdl - Please see the attached PDI. | 9/XX/2023 6:38:39 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Rate/Term |  | D | B | D | A | B | B | D | A | Non QM | Non QM | No |
| 223687751 | [redacted] | [redacted | XX | 33796455 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: 1 |  | The file is missing a copy of the Appraisal report. |  |  |  | Reviewer Comment (2023-XX-26): Received and associated Appraisal Report dated XX/XX/XX with Appraised Value $XXxception cleared.<br>Seller Comment (2023-XX-25): XX/XX/XX KM: Attached. | 9/XX/2023 5:15:39 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | FL | Primary | Refinance - Rate/Term |  | D | B | D | A | B | B | D | A | Non QM | Non QM | No |
| 223687751 | [redacted] | [redacted | XX | 33796456 |  |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The file is missing a copy of the Appraisal report. |  |  |  | Reviewer Comment (2023-XX-26): Received and associated Appraisal Report dated XX/XX/XX with Appraised Value $XXxception cleared.<br>Seller Comment (2023-XX-25): XX/XX/XX KM: Attached. | 9/XX/2023 5:15:45 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | FL | Primary | Refinance - Rate/Term |  | D | B | D | A | B | B | D | A | Non QM | Non QM | No |
| 223687751 | [redacted] | [redacted | XX | 33796457 |  |  | Compliance | Compliance | Federal Compliance | GSE | XXXXX - 3% Points and Fees | XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 4.21124% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XXn investor allowable total of $XXn overage of $XX or 1.21124%). | XXXXX Points and Fees threshold exceeded by $XX or 1.21124%) |  |  |  |  |  |  | 9/XX/2023 5:32:43 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | D | A | B | B | D | A | Non QM | Non QM | Yes |
| 223687752 | [redacted] | [redacted | XX | 33796460 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of borrower receipt 3 days prior to closing was not found in file. |  |  |  |  |  |  | 9/XX/2023 2:45:18 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| 223687752 | [redacted] | [redacted | XX | 33796461 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of borrower receipt 3 days prior to closing was not found in file. |  |  |  |  |  |  | 9/XX/2023 2:45:18 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | B | B | A | A | B | B | A | A | Non QM | Non QM | No |
| 223687753 | [redacted] | [redacted | XX | 33796464 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/XX/2023 5:12:26 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Investment | Refinance - Cash-out - Other |  | C | B | C | A | B | B | A | A | N/A | N/A | No |
| 223687753 | [redacted] | [redacted | XX | 33796465 |  |  | Credit | Documents | Missing Document | Documents | File does not contain documentation form lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2023-XX-02): Received project approval. Exception cleared.<br>Seller Comment (2023-XX-02): (XXXXX) Please see attached printout from XXXXX's CPM showing XXXXX's condo review department reviewed and approved project in CPM. | 11/XX/2023 5:30:49 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MD | Investment | Refinance - Cash-out - Other |  | C | B | C | A | B | B | A | A | N/A | N/A | No |
| 223687753 | [redacted] | [redacted | XX | 33796466 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | The file was missing required asset verification. Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide additional statement. |  |  |  | Reviewer Comment (2023-XX-07): Other assets provided to meet requirements, this account updated to 0% usability.<br>Seller Comment (2023-XX-06): (XXXXX) Please see attached two months statements for 401k that XXXXX obtained from broker post consummation.<br>Reviewer Comment (2023-XX-02): This is exception is due to two months statements not being provided for account #XXXXX. Please provide additonal statement. Exception remains.<br>Seller Comment (2023-XX-31): (XXXXX) Please see attached printout from file - borrower's retirement plan showing terms and conditions. Vested balance shows on top of page 3 - $XX70% = $XX. | 11/XX/2023 2:42:08 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MD | Investment | Refinance - Cash-out - Other |  | C | B | C | A | B | B | A | A | N/A | N/A | No |
| 223687753 | [redacted] | [redacted | XX | 33796467 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Calculated Available for Reserves of $XX is less than Guideline Available for Reserves of $XX. |  |  |  | Reviewer Comment (2023-XX-07): Assets provided to meet requirement.<br>Seller Comment (2023-XX-06): (XXXXX) Please see attached two months statements for 401k that XXXXX obtained from broker post consummation.<br>Reviewer Comment (2023-XX-02): Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Only one statement was provided for the retirement account. Lender to provide additional statement. Exception remains.<br>Seller Comment (2023-XX-31): (XXXXX) Please see attached printout from file - borrower's retirement plan showing terms and conditions. Vested balance shows on top of page 3 - $XX70% = $XX. | 11/XX/2023 2:42:29 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MD | Investment | Refinance - Cash-out - Other |  | C | B | C | A | B | B | A | A | N/A | N/A | No |
| 223687755 | [redacted] | [redacted | XX | 33796471 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2022-XX-26): Received Appraisal Notice document and verified details. Exception Cleared.<br>Seller Comment (2022-XX-25): Borrower confirmation of receipt | 4/XX/2022 3:21:07 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223687755 | [redacted] | [redacted | XX | 33796472 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XX0 exceeds tolerance of $XX0. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-XX-19): Sufficient Cure Provided At Closing |  | 4/XX/2022 12:23:13 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CO | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes |
| 223687755 | [redacted] | [redacted | XX | 33796473 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. |  |  |  | Reviewer Comment (2022-XX-26): Received Bank statements for borrower Assets updated the details and Verified available assets are sufficient for PITIA reserves and Closing. Exception Cleared<br>Seller Comment (2022-XX-25): XXXXX4<br>Seller Comment (2022-XX-25): XXXXX<br>Seller Comment (2022-XX-25): XXXXX3<br>Seller Comment (2022-XX-25): XXXXX2<br>Seller Comment (2022-XX-25): XXXXX1<br>Seller Comment (2022-XX-25): Earnest money docs | 4/XX/2022 2:35:04 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223687755 | [redacted] | [redacted | XX | 33796475 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | No liquid assets verified to meet cash to close of XXXXX. Final 1008 reflects XXXXX verified. |  |  |  | Reviewer Comment (2022-XX-26): Received Bank statements for borrower Assets updated the details and Verified available assets are sufficient for PITIA reserves and Closing. Exception Cleared<br>Seller Comment (2022-XX-25): Uploaded all assets documentation | 4/XX/2022 2:35:45 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223687756 | [redacted] | [redacted | XX | 33796478 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of secondary valuation required for securitization purpose. |  |  |  | Reviewer Comment (2022-XX-16): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared | 6/XX/2022 1:58:48 AM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | AZ | Second Home | Purchase |  | D | B | C | B | A | A | D | A | Non QM | Non QM | No |
| 223687756 | [redacted] | [redacted | XX | 33796479 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-XX-14): Client elects to waive. |  |  | 6/XX/2022 11:33:26 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Second Home | Purchase |  | D | B | C | B | A | A | D | A | Non QM | Non QM | No |
| 223687756 | [redacted] | [redacted | XX | 33796481 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The CPA letter provided is not dated. Guidelines require self-employment verification to be dated within 120 days of the note. |  |  |  | Reviewer Comment (2022-XX-21): Received CPA Letter with dated XX/XX/XX for borrower bank statement income verification dated within 120 days of the note date updated the details. Exception Cleared<br>Seller Comment (2022-XX-20): XX/XX/XX KM: Please rescind as the document is dated XX/XX/XX. The guidelines require the document to be signed and dated. The attached letter shows XX/XX/XX as the date in the upper right corner.<br>Reviewer Comment (2022-XX-29): CPA letter provided is signed but not dated. Only the CPA's name is listed in the upper right corner, not the date. Exception remains.<br>Seller Comment (2022-XX-28): XXXXX XX/XX/XX CW - Please rescind. CPA letter is dated XX/XX/XX in top right portion of document. It is dated after the application date and prior to the note date, and it is executed by the CPA XXXXX. Document satisfies 120 calendar day requirement.<br>Reviewer Comment (2022-XX-20): The CPA letter provided was already present in file which doesn't have date mentioned. Please provide CPA letter having evidence of date within 120 calendar days prior to the note date. Exception remains.<br>Seller Comment (2022-XX-16): XXXXX XX/XX/XX CW - Please rescind. Please see attached.<br>Reviewer Comment (2022-XX-16): Have not received new documents for this exception to confirm the CPA letter dated XX/XX/XX, please provide CPA letter with sign and dated with in 120 calendar days prior to the note date. Exception Remains<br>Seller Comment (2022-XX-14): XXXXX XX/XX/XX CW - Please rescind. CPA letter is dated XX/XX/XX. | 7/XX/2022 2:37:00 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Second Home | Purchase |  | D | B | C | B | A | A | D | A | Non QM | Non QM | No |
| 223687756 | [redacted] | [redacted | XX | 33796482 |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-XX-16): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared<br>Reviewer Comment (2022-XX-15): Valuation Received - XX/XX/XX | 6/XX/2022 1:58:35 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | AZ | Second Home | Purchase |  | D | B | C | B | A | A | D | A | Non QM | Non QM | No |
| 223687757 | [redacted] | [redacted | XX | 33796484 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-XX-31): Client elects to waive. |  |  | 5/XX/2022 12:13:22 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Cash-out - Other |  | C | B | B | B | C | A | A | A | Non QM | Non QM | No |
| 223687757 | [redacted] | [redacted | XX | 33796486 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XX exceeds tolerance of $XX. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $XXy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-XX-01): XXXXX received updated COC dated XX/XX/XX.<br>Seller Comment (2022-XX-31): CofC<br>Seller Comment (2022-XX-31): HC XX/XX/XX - See attached correct CofC for loan amount change<br>Reviewer Comment (2022-XX-31): XXXXX received COC dated XX/XX/XX stating Mortgage Insurance Program from XXXXX to XXXXX. However it should be Base Loan amount as Loan amount increased from XXXXX to XXXXX. Please provide corrected COC.<br>Seller Comment (2022-XX-27): LE and CofC for loan amount<br>Seller Comment (2022-XX-27): HC XX/XX/XX - The transfer tax increased with the loan amount increase on XX/XX/XX. See attached CofC for loan amount increase and redislosed LE<br>Reviewer Comment (2022-XX-27): XXXXX - COC dated XX/XX/XX does not provide a valid reason/sufficient information for increase in transfer taxes. Please provide a valid COC that explains what was the change & how it affected the transfer taxes to increase or cure documents. Exception remains.<br>Seller Comment (2022-XX-26): CofC<br> LE<br> TRID<br>Seller Comment (2022-XX-26): Disagree: Please see the attached CofC, Locked LE XX/XX/XX, and TRID History. Valid CofC for increase in transfer taxes. Disclosed on first locked LE. TRID History shows proof of delivery and receipt. | 6/XX/2022 2:53:11 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes |
| 223687760 | [redacted] | [redacted | XX | 33796487 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae XXXXX - 3% Points and Fees | Fannie Mae XXXXX 3% Points and Fees Test. Points and Fees on subject loan of 3.47912% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $XXn overage of $XX or .47912%). | Points and Fees on subject loan of 3.47912% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of XXXXX vs. an investor allowable total of $XXn overage of $XX or .47912%). |  |  |  | Reviewer Comment (2022-XX-29): Client elects to waive.<br>Reviewer Comment (2022-XX-20): Client to review.<br>Seller Comment (2022-XX-17): Disagree - Please note that the Fannie Mae points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan.<br>Bank Statement loans are not subject to QM or Fannie and Freddie high cost testing. They are still required to pass Hoepa and our investors will take HPML fails on them as long as all the requirements are met. i.e. (no appraisal wavier, no escrow waiver, and not NY)<br>Our contract states that XXXXX will buy HPML as long as all the requirements were met, as they were on this loan. |  |  | 6/XX/2022 4:24:00 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes |
| 223687762 | [redacted] | [redacted | XX | 33796494 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.17555% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XXn overage of $XX2 or .17555%). | Points and Fees on subject loan of 3.17555% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XXn overage of $XX2 or .17555%). |  |  |  | Reviewer Comment (2022-XX-11): Client elects to waive.<br>Seller Comment (2022-XX-10): (Rate Lock) This is a NonQM loan, exempt from QM Testing |  |  | 8/XX/2022 12:18:28 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | MS | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687762 | [redacted] | [redacted | XX | 33796496 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXceeds tolerance of $XXInsufficient or no cure was provided to the borrower. | Appraisal was last disclosed as $XX LE but disclosed as $XX Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-XX-08): XXXXX received updated CD dated XX/XX/XX along with valid COC for the Loan Discount point increased due to Lock has been extended. | 8/XX/2022 10:43:07 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MS | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687762 | [redacted] | [redacted | XX | 33796497 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XX exceeds tolerance of $XX. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $XX LE but disclosed as $XX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXopy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-XX-09): XXXXX received: Letter of Explanation, Proof of Mailing, Copy of Refund Check, and Corrected PCCD. |  | 8/XX/2022 3:04:51 AM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | MS | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687764 | [redacted] | [redacted |  | 33796504 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XX0 exceeds tolerance of $XXficient or excess cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XX0 exceeds tolerance of $XXficient or excess cure was provided to the borrower. |  |  |  | Reviewer Comment (2021-XX-19): Sufficient Cure Provided within 60 Days of Closing |  | 11/XX/2021 11:27:01 AM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes |
| 223687764 | [redacted] | [redacted |  | 33796506 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank XXXXX): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | CPA letter and verbal voe are dated after closing. |  |  |  | Reviewer Comment (2021-XX-07): Documentation is provided, exception cleared.<br>Seller Comment (2021-XX-03): Please waive condition, this appears to be a duplicate request. this loan was manually UW using XXXXX Program - Underwriting Guidelines dated XX/XX/XX. Closing took place on XX/XX/XX all required supporting document was provided prior to closing. The CPA letter, Borrower's Business Narrative and Business License to support XXXXX is has 100% proprietorship for XXXXX. This third-party verification meets guidelines requirements. These documents can be located on pages 342/D0033, 343/D0244 and 344/D0029. (Please see cover sheet previously provided for additional supporting documentation) | 12/XX/2021 10:23:21 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes |
| 223687764 | [redacted] | [redacted |  | 33796507 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-XX-Repay (Dodd-Frank XXXXX): Unable to verify current employment status using reasonably reliable third-party records. | CPA letter and verbal voe are dated after closing. |  |  |  | Reviewer Comment (2021-XX-07): Documentation is provided, exception cleared.<br>Seller Comment (2021-XX-03): Please waive condition, this appears to be a duplicate request. this loan was manually UW using XXXXX Program - Underwriting Guidelines dated XX/XX/XX. Closing took place on XX/XX/XX all required supporting document was provided prior to closing. The CPA letter, Borrower's Business Narrative and Business License to support XXXXX is has 100% proprietorship for XXXXX. This third-party verification meets guidelines requirements. These documents can be located on pages 342/D0033, 343/D0244 and 344/D0029. (Please see cover sheet previously provided for additional supporting documentation) | 12/XX/2021 10:23:21 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| 223687764 | [redacted] | [redacted |  | 33796508 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-XX-Repay (Dodd-Frank XXXXX): General Ability-XX-Repay requirements not satisfied. | CPA letter and verbal voe are dated after closing. |  |  |  | Reviewer Comment (2021-XX-07): Documentation is provided, exception cleared. | 12/XX/2021 10:23:21 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | CA | Primary | Refinance - Cash-out - Other |  | A | A | A | A | A | A | A | A | Non QM | Non QM | No |
| 223687765 | [redacted] | [redacted | XX | 33796509 |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Missing secondary valuation product required for securitization. |  |  |  |  |  | Reviewer Comment (2019-XX-26): Received CDA | 3/XX/2019 8:08:40 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223687765 | [redacted] | [redacted | XX | 33796510 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The final title policy was not provided. |  |  |  | Reviewer Comment (2018-XX-17): Final Title policy provided in trailing docs. | 12/XX/2018 1:22:59 PM |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223687765 | [redacted] | [redacted | XX | 33796511 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: [Redacted] | File is missing the xxxx transcripts for the years xxxx, xxxx and xxxx. |  |  |  | Reviewer Comment (2018-XX-17): xxxx and xxxx Wx transcripts are in the file and meet the guideline requirements for wage earner income qualification.<br>Buyer Comment (2018-XX-17): per guides most recent x years are required. Borrower is wx wage earner and xxxx and xxxx wx transcripts acceptable per guides.<br>Buyer Comment (2018-XX-17): Why are you requesting xxxx-xxxx tax transcripts? | 12/XX/2018 12:38:26 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223687765 | [redacted] | [redacted | XX | 33796512 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank xxxx): Creditor did not provide a copy of each valuation to applicant three (x) business days prior to consummation. (Type:Primary/XX/xx/xxxx) |  |  |  |  | Reviewer Comment (2018-XX-17): Rec'd appraisal delivery confirmation in trailing docs. | 12/XX/2018 1:14:22 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223687765 | [redacted] | [redacted | XX | 33796513 |  |  | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  | Reviewer Comment (2018-XX-17): Rec'd disclosure in trailing docs. | 12/XX/2018 1:14:22 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223687765 | [redacted] | [redacted | XX | 33796514 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of x.xxxxx% or Final Disclosure APR of x.xxxxx% is in excess of allowable threshold of APOR x.xx% + x.x%, or x.xxxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2018-XX-17): Rec'd appraisal delivery confirmation in trailing docs. | 12/XX/2018 1:14:22 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223687765 | [redacted] | [redacted | XX | 33796515 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank xxxx): Creditor did not provide a copy of each valuation to applicant three (x) business days prior to consummation. (Type:Primary/XX/xx/xxxx) |  |  |  |  | Reviewer Comment (2018-XX-17): Rec'd appraisal delivery confirmation in trailing docs. | 12/XX/2018 1:14:22 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223687765 | [redacted] | [redacted | XX | 33796516 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank xxxx): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2018-XX-17): Rec'd disclosure in trailing docs. | 12/XX/2018 1:14:22 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223687765 | [redacted] | [redacted | XX | 33796517 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section xx(a)(x): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-xx endorsement or the T-xx.x endorsement. (The loan is a Texas Section xx (a)(x) home equity loan.) |  |  |  |  | Reviewer Comment (2018-XX-17): Evidence in file and rec'd Final Title policy in trailing docs. | 12/XX/2018 1:14:22 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223687765 | [redacted] | [redacted | XX | 33796518 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | Texas Constitution Section xx(a)(x): Revised Notice Concerning Extensions of Credit not provided on TX Home Equity Loan made on or after x/XX/xx. |  |  |  |  | Reviewer Comment (2018-XX-17): Rec'd disclosure in trailing docs. | 12/XX/2018 1:14:22 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXd offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | D | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223687765 | [redacted] | [redacted | XX | 33796519 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | Texas Constitution Section xx(a)(x): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  |  |  | Reviewer Comment (2018-XX-17): Rec'd disclosure in trailing docs. | 12/XX/2018 1:14:22 PM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $XXd offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | D | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223687765 | [redacted] | [redacted | XX | 33796520 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section xx(a)(x): Points and fees on subject loan of x.xxxxx% is in excess of the allowable maximum of x.xxxx% of the Original Principal Loan Amount. Points and Fees total $XX on an Original Principal Loan Amount of $XX. an allowable total of $XX (an overage of $XX or x.xxxxx%.) |  |  |  |  | Reviewer Comment (2018-XX-21): (REDACTED) rec'd PCCD, LOE, copy of refund check in the amount of $XX and copy of Fed Ex shipping label. Delivery confirmed xx/XX/xx.<br>Reviewer Comment (2018-XX-19): (REDACTED) received PCCD, LOE, Copy of Refund check in the amount of $XX and copy of Fed ex shipping label. The package has not yet been shipped. Proof of Delivery is required to cure.<br>Reviewer Comment (2018-XX-18): (REDACTED) received PCCD, LOE, Copy of Refund check in the amount of $XX and copy of Fed ex shipping label. The package has not yet been shipped. Proof of Delivery is required to cure. |  | 12/XX/2018 12:35:12 PM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | D | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223687765 | [redacted] | [redacted | XX | 33796521 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Esign Consent Agreement Status | ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures. | The E-Sign Disclosure was not found in the file. |  |  |  | Reviewer Comment (2018-XX-17): Rec'd disclosure in trailing docs. | 12/XX/2018 1:14:22 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223687765 | [redacted] | [redacted | XX | 33796522 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/XX/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XX/xx/xxxx) | The Final CD did not provide a dollar amount by which the closing costs exceeded the legal limit. The field was left blank. |  |  |  | Reviewer Comment (2018-XX-18): (REDACTED) received valid COC for lender credit fee change. | 12/XX/2018 2:29:40 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223687765 | [redacted] | [redacted | XX | 33796523 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $XXs less than amount of binding Lender Credit previously disclosed in the amount of $XXxxxx) | Lender credit shown on the Final CD was $XXe lender credit shown on the LE was $xxx. |  |  |  | Reviewer Comment (2018-XX-18): (REDACTED) received valid COC for lender credit fee change. | 12/XX/2018 2:29:40 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223687765 | [redacted] | [redacted | XX | 33796524 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | The Service Provider List was not found in the file. |  |  |  | Reviewer Comment (2018-XX-17): Rec'd disclosure in trailing docs. | 12/XX/2018 1:14:22 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | D | B | C | A | C | B | C | A | Non QM | Non QM | No |
| 223687765 | [redacted] | [redacted | XX | 33796526 |  |  | Compliance | Compliance | Miscellaneous Compliance | Compliance | Other Compliance Exception (Manual Add) |  | Compliance report not provided. |  |  |  | Reviewer Comment (2018-XX-19): Rec'd compliance report.<br>Reviewer Comment (2018-XX-18): No documentation rec'd pertaining to this exception; Compliance report still missing from file. | 12/XX/2018 10:05:42 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  | D | B | C | A | C | B | C | A | Non QM | Non QM | Yes |
| 223687766 | [redacted] | [redacted |  | 33796529 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-XX-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/XX/xxxx, prior to three (x) business days from transaction date of xx/XX/xxxx. |  |  |  |  | Reviewer Comment (2018-XX-08): Reran Compliance<br>Buyer Comment (2018-XX-06): Seller note: see pc cd for final dates | 12/XX/2018 8:10:51 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687766 | [redacted] | [redacted |  | 33796530 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Assumption | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/XX/xxxx incorrectly disclosed whether the loan allows for Assumption. (Final/XX/xx/xxxx) | The Note contains language stating the loan is assumable. The Final CD incorrectly shows the loan is not assumable. |  |  |  | Buyer Comment (2018-XX-10): DH accepts |  |  | 12/XX/2018 8:39:12 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687766 | [redacted] | [redacted |  | 33796531 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/XX/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/XX/xx/xxxx) | The Final CD shows a closing date of xx/XX/xx. The Notary Date is xx/XX/xx. |  |  |  | Reviewer Comment (2018-XX-07): Letter of Explanation & Corrected Closing Disclosure provided.<br>Buyer Comment (2018-XX-06): see PC CD and LOE uploaded |  | 12/XX/2018 12:56:36 PM |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687766 | [redacted] | [redacted |  | 33796532 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/XX/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/XX/xx/xxxx) | The insurance on the CD is based on an old policy in file. An updated policy reflects an annual premium of $XX$XXx per month. |  |  |  | Reviewer Comment (2018-XX-11): Letter of Explanation & Corrected Closing Disclosure provided. Post Close CD reflects the $XXmium |  | 12/XX/2018 1:52:21 PM |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687766 | [redacted] | [redacted |  | 33796533 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepaid Other 1 Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/XX/xxxx did not disclose number of months for Delinquent Taxes under Prepaids. (Final/XX/xx/xxxx) | The Final CD did not show the number of months. |  |  |  | Reviewer Comment (2018-XX-07): Letter of Explanation & Corrected Closing Disclosure provided. |  | 12/XX/2018 1:00:05 PM |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687766 | [redacted] | [redacted |  | 33796534 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/XX/xxxx disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/XX/xx/xxxx) | $XXder-disclosure due to Title - Consumer Protection Fee. |  |  |  | Reviewer Comment (2018-XX-11): $XXnsumer protection fee was shredding fee that's not included as a finance charge<br>Buyer Comment (2018-XX-10): Please see email correspondence, fee is for shredding of personal documents<br>Reviewer Comment (2018-XX-07): (REDACTED) received Post Close CD dated xx/XX/xxxx. Please provide explanation of what Title - Consumer Protection Fee pertains to as this fee is currently being included in the finance charges and it is showing on the Post Close CD as well.<br>Buyer Comment (2018-XX-06): see PC CD and LOE | 12/XX/2018 1:35:44 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687766 | [redacted] | [redacted |  | 33796535 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Estimated cost - new is $XX xx% = $XXerage of $XXs insufficient. Per section xx.x of guidelines, insurance coverage should be in the lesser of xxx% of the insurable value (replacement cost estimate needs to be provided) or the unpaid balance of the mortgage, as long as it equals xx% of the insurable value of the improvements. |  |  |  | Reviewer Comment (2018-XX-10): Updated coverage using correct policy in file; coverage is sufficient.<br>Reviewer Comment (2018-XX-10): Coverage shortfall is $XXsed on estimated cost new of $XXder documented insured value not provided; using estimate from appraisal report.<br>Buyer Comment (2018-XX-10): it states xxx% od the replacement coverage see page x, please review again<br>Reviewer Comment (2018-XX-08): Declaration page needs to say either Guaranteed Replacement Cost or xxx% Replacement Cost.<br>Buyer Comment (2018-XX-06): Policy shows "Ax Replacement Cost Similar Construction" on left side of dec page, plus Building Code Upgrade. These show the coverage is sufficient. | 12/XX/2018 12:05:53 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223687766 | [redacted] | [redacted |  | 33796537 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing the Credit Report Comparison within ten days of closing. |  |  |  | Reviewer Comment (2018-XX-08): Received, liabilities updated | 12/XX/2018 8:00:39 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223687766 | [redacted] | [redacted |  | 33796538 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the Compliance Report. |  |  |  | Reviewer Comment (2018-XX-08): Received | 12/XX/2018 8:01:27 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223687766 | [redacted] | [redacted |  | 33796539 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: [Redacted] | [Redacted] . (REDACTED) borrower. Missing independent verification of the business verified through a disinterested third party (CPA, regulatory agency, licensing bureau or verification of a phone and address listing using the internet) within xx calendar days of closing. |  |  |  | Reviewer Comment (2018-XX-08): K-x is not marked Final, but income removed since minimal.<br>Buyer Comment (2018-XX-06): No verification of ZB Properties is required as the business no longer exists. See the xxxx K-xs marked "Final" | 12/XX/2018 8:07:54 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223687766 | [redacted] | [redacted |  | 33796540 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year x of $XX on Final Closing Disclosure provided on xx/XX/xxxx not accurate. (Final/XX/xx/xxxx) | The insurance on the CD is based on an old policy in file. An updated policy reflects an annual premium of $XX$XXx per month. |  |  |  | Reviewer Comment (2018-XX-07): Exception cleared the premium of $XX was used at Closing the updated premium of $XX dated after the loan closed thus lender used best information available at time of closing. | 12/XX/2018 12:50:45 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687766 | [redacted] | [redacted |  | 33796541 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/XX/xxxx disclosed an escrow payment for payment stream x that does not match the actual payment for the loan. (ProjSeq:x/xxxxxx) | The insurance on the CD is based on an old policy in file. An updated policy reflects an annual premium of $XX$XXx per month. |  |  |  | Reviewer Comment (2018-XX-07): Exception cleared the premium of $XX was used at Closing the updated premium of $XX dated after the loan closed thus lender used best information available at time of closing. | 12/XX/2018 12:50:45 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687766 | [redacted] | [redacted |  | 33796542 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/XX/xxxx disclosed an escrow payment for payment stream x that does not match the actual payment for the loan. (ProjSeq:x/xxxxxx) | The insurance on the CD is based on an old policy in file. An updated policy reflects an annual premium of $XX$XXx per month. |  |  |  | Reviewer Comment (2018-XX-07): Exception cleared the premium of $XX was used at Closing the updated premium of $XX dated after the loan closed thus lender used best information available at time of closing. | 12/XX/2018 12:50:45 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687766 | [redacted] | [redacted |  | 33796543 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/XX/xxxx disclosed an escrow payment for payment stream x that does not match the actual payment for the loan. (ProjSeq:x/xxxxxx) | The insurance on the CD is based on an old policy in file. An updated policy reflects an annual premium of $XX$XXx per month. |  |  |  | Reviewer Comment (2018-XX-07): Exception cleared the premium of $XX was used at Closing the updated premium of $XX dated after the loan closed thus lender used best information available at time of closing. | 12/XX/2018 12:50:45 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687766 | [redacted] | [redacted |  | 33796544 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/XX/xxxx disclosed an escrow payment for payment stream x that does not match the actual payment for the loan. (ProjSeq:x/xxxxxx) | The insurance on the CD is based on an old policy in file. An updated policy reflects an annual premium of $XX$XXx per month. |  |  |  | Reviewer Comment (2018-XX-07): Exception cleared the premium of $XX was used at Closing the updated premium of $XX dated after the loan closed thus lender used best information available at time of closing. | 12/XX/2018 12:50:45 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687766 | [redacted] | [redacted |  | 33796545 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/XX/xxxx disclosed an Estimated Total Monthly Payment for payment stream x that does not match the actual total payment for the loan. (ProjSeq:x/xxxxxx) | The insurance on the CD is based on an old policy in file. An updated policy reflects an annual premium of $XX$XXx per month. |  |  |  | Reviewer Comment (2018-XX-07): Exception cleared the premium of $XX was used at Closing the updated premium of $XX dated after the loan closed thus lender used best information available at time of closing. | 12/XX/2018 12:50:45 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687766 | [redacted] | [redacted |  | 33796546 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Client Alternative Lending Form. |  |  |  | Reviewer Comment (2018-XX-05): Received | 12/XX/2018 4:14:15 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223687767 | [redacted] | [redacted | XX | 33796548 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (x) business days prior to closing. (Initixxxx/xxxx) | File did not provide evidence of Electronic Delivery to Borrowers. |  |  |  | Reviewer Comment (2019-XX-23): (REDACTED) received Disclosure Tracking indicated the xx/XX/xxxx CD was received the same day. Exception Cleared. | 1/XX/2019 2:38:24 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | C | A | Non QM | Non QM | No |
| 223687767 | [redacted] | [redacted | XX | 33796550 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XX exceeds tolerance of $XX. Sufficient or excess cure was provided to the borrower at Closing. (xxxx | $XXe was provided to the borrower on the Final CD and is sufficient. |  |  |  |  |  | 1/XX/2019 2:39:01 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | C | A | Non QM | Non QM | Yes |
| 223687767 | [redacted] | [redacted | XX | 33796553 |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Missing secondary valuation product required for securitization. |  |  |  |  |  | Reviewer Comment (2019-XX-26): Received CDA | 3/XX/2019 8:08:40 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | A | A | A | C | A | C | A | Non QM | Non QM | No |
| 223687768 | [redacted] | [redacted | XX | 33796554 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Credit report shows 2 different collections for [Redacted] and no documentation provided as to verify amount or current status. |  |  |  | Reviewer Comment (2019-XX-11): Rec'd child support documentation in trailing docs.<br>Buyer Comment (2019-XX-11): Attached, please find the Child Support Documents. Please review and clear condition. Thank you! | 3/XX/2019 11:51:25 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Primary | Refinance - Rate/Term |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223687768 | [redacted] | [redacted | XX | 33796556 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Debt | Ability-XX-Repay (Dodd-Frank 2014): Creditor did not include alimony and/or child support in debt obligations. | No child support documents in file and 2 different [Redacted] collections on credit reports. |  |  |  | Reviewer Comment (2019-XX-11): Rec'd child support documentation in trailing docs.<br>Buyer Comment (2019-XX-11): Attached, please find the Child Support Documents. Please review and clear this condition. Thank you! | 3/XX/2019 11:51:16 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Primary | Refinance - Rate/Term |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223687768 | [redacted] | [redacted | XX | 33796557 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | No child support documents provided |  |  |  | Reviewer Comment (2019-XX-11): Rec'd child support documentation in trailing docs.<br>Buyer Comment (2019-XX-11): Attached, please find the Child Support Documents. Please review and clear this condition. Thank You! | 3/XX/2019 11:51:16 AM |  |  | 1 | A | A | C | A | B | A | C | A | A | A |  | MI | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes |
| 223687768 | [redacted] | [redacted | XX | 33796558 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-XX-Repay (Dodd-Frank 2014): General Ability-XX-Repay requirements not satisfied. | No child support documents provided |  |  |  | Reviewer Comment (2019-XX-11): Rec'd child support documentation in trailing docs. | 3/XX/2019 11:51:16 AM |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | MI | Primary | Refinance - Rate/Term |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223687768 | [redacted] | [redacted | XX | 33796559 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. |  | [Redacted] % DTI on this Business bank statement documentation loan < 50% guideline max - [Redacted] % below program guideline maximum<br>Borrower on this Business bank statement documentation loan has a disposable income of $XXdacted] |  | Originator<br>Originator | Reviewer Comment (2019-XX-11): Rec'd Lender exception approval with 2 valid comp factors: Comp factor for VOR 0x30 for 24 months not valid as LOE in file states borrower lived rent free through [Redacted]<br>Buyer Comment (2019-XX-11): Attached, please find an Underwriting Exception. Please review and clear condition. Thank you! |  |  | 3/XX/2019 11:56:51 AM | 2 | C | B | C | B | C | B | C | B | C | B |  | MI | Primary | Refinance - Rate/Term |  | C | B | C | B | C | A | A | A | Non QM | Non QM | No |
| 223687768 | [redacted] | [redacted | XX | 33796561 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xxxx/xxxxsclosed homeowner's insurance under Prepaids that does not match amount per month calculation. | Final Closing Disclosure provided on xxxx/xxxxSection F Homeowner's insurance for $XX1 does not match the monthly calculations. |  |  |  | Reviewer Comment (2019-XX-11): Refinance transaction confirmed $XX1 was the remaining amount due for the HOI policy. Lender paid the remaining amount due at closing. Confirmed from invoice provided.<br>Buyer Comment (2019-XX-11): Attached, please find the Homeowners' Insurance Invoice. This invoice coincides with the amount reflected under Section F, Homeowner's Insurance for $XX0.<br> Please review and clear this condition. Thank you! | 3/XX/2019 1:08:29 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MI | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes |
| 223687769 | [redacted] | [redacted |  | 33796563 |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | FACTA Credit Score disclosure not found in the file. |  |  |  | Reviewer Comment (2019-XX-21): Rec'd FACTA disclosure dated xx/XX/xxxx in trailing docs. | 3/XX/2019 3:27:50 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223687769 | [redacted] | [redacted |  | 33796564 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.80700% or Final Disclosure APR of 9.16800% is in excess of allowable threshold of APOR 4.44% + 1.5%, or 5.94000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2019-XX-15): Rec'd Loan Estimates dated xx/XX/xxxx and xx/XX/xxxx and Initial disclosures dated xx/XX/xxxx (provided on xx/XX/xxxx) in trailing docs. | 3/XX/2019 3:38:35 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223687769 | [redacted] | [redacted |  | 33796565 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  | Reviewer Comment (2019-XX-15): Rec'd disclosure dated xx/XX/xxxx (provided on xx/XX/xxxx) in trailing docs. | 3/XX/2019 3:38:35 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223687769 | [redacted] | [redacted |  | 33796566 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - HPML Status | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | File is missing all Loan Estimates and/or Notice of Right to Receive Copy of Appraisal disclosure. |  |  |  | Reviewer Comment (2019-XX-15): Rec'd Loan Estimates dated xx/XX/xxxx and xx/XX/xxxx in trailing docs. | 3/XX/2019 3:38:35 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase | Good faith redisclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223687769 | [redacted] | [redacted |  | 33796567 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Servicing Disclosure Status | File does not evidence the consumer was provided with the Servicing Disclosure. | File is missing all Loan Estimates and/or Initial Servicing disclosure. |  |  |  | Reviewer Comment (2019-XX-15): Rec'd Loan Estimates dated xx/XX/xxxx and xx/XX/xxxx in trailing docs. | 3/XX/2019 3:38:35 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Purchase | Good faith redisclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes |
| 223687769 | [redacted] | [redacted |  | 33796568 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling Organizations not found in the file. |  |  |  | Reviewer Comment (2019-XX-15): Rec'd List dated xx/XX/xxxx (provided xx/XX/xxxx) in trailing docs. | 3/XX/2019 3:38:35 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223687769 | [redacted] | [redacted |  | 33796569 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Lump Sum Allocation | Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under [Redacted] . Anti-predatory lending points and fees testing are not impacted. |  |  |  |  | Buyer Comment (2019-XX-25): [Redacted] accepts |  |  | 3/XX/2019 1:03:21 PM | 2 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223687769 | [redacted] | [redacted |  | 33796570 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | File is missing all Loan Estimates and/or Notice of Right to Receive Copy of Appraisal disclosure. |  |  |  | Reviewer Comment (2019-XX-15): Rec'd Loan Estimates dated xx/XX/xxxx and xx/XX/xxxx in trailing docs. | 3/XX/2019 3:38:35 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Purchase | Good faith redisclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes |
| 223687769 | [redacted] | [redacted |  | 33796571 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Broker | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxx/xxxxd not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). | Lender Contact NMLS ID was not provided on page 5 of Final CD under Contact information section. |  |  |  | Reviewer Comment (2019-XX-20): Mortgage Broker and Lender Contact completed on final CD.<br>Buyer Comment (2019-XX-20): Please seeXX/XX<br> CD uploads attached<br>Reviewer Comment (2019-XX-15): Nothing additional rec'd. | 3/XX/2019 5:28:26 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes |
| 223687769 | [redacted] | [redacted |  | 33796572 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xxxx/xxxxsclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. | Missing all Loan Estimates |  |  |  | Reviewer Comment (2019-XX-15): Rec'd Loan Estimates dated xx/XX/xxxx and xx/XX/xxxx in trailing docs. | 3/XX/2019 3:38:35 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes |
| 223687769 | [redacted] | [redacted |  | 33796573 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Home Loan Toolkit Provided | Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. | Proof of delivery of "Your Home Loan Toolkit Disclosure" was not found in the file. |  |  |  | Reviewer Comment (2019-XX-15): Rec'd Copy of Home Loan Toolkit and Docusign showing provided on xx/XX/xxxx in trailing docs. | 3/XX/2019 3:38:35 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223687769 | [redacted] | [redacted |  | 33796574 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XX may be required. | Missing all Loan Estimates |  |  |  | Reviewer Comment (2019-XX-15): Rec'd Loan Estimates dated xx/XX/xxxx and xx/XX/xxxx in trailing docs. | 3/XX/2019 3:38:35 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223687769 | [redacted] | [redacted |  | 33796575 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $XX0 exceeds tolerance of $XX0. Insufficient or no cure was provided to the borrower. | Missing all Loan Estimates |  |  |  | Reviewer Comment (2019-XX-15): Rec'd Loan Estimates dated xx/XX/xxxx and xx/XX/xxxx in trailing docs. | 3/XX/2019 3:38:35 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes |
| 223687769 | [redacted] | [redacted |  | 33796576 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XX0 exceeds tolerance of $XX0. Insufficient or no cure was provided to the borrower. | Missing all Loan Estimates |  |  |  | Reviewer Comment (2019-XX-15): Rec'd Loan Estimates dated xx/XX/xxxx and xx/XX/xxxx in trailing docs. | 3/XX/2019 3:38:35 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes |
| 223687769 | [redacted] | [redacted |  | 33796577 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Gap/Credit refresh report within 10 calendar days of closing not provided. |  |  |  | Reviewer Comment (2019-XX-14): Rec'd gap report in trailing docs | 3/XX/2019 2:38:16 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223687769 | [redacted] | [redacted |  | 33796578 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Compliance report was not provided. |  |  |  | Reviewer Comment (2019-XX-15): DocMagic report in file | 3/XX/2019 11:06:33 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223687769 | [redacted] | [redacted |  | 33796579 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Third party verification of business existence within 10 calendar days of closing not provided. |  |  |  | Reviewer Comment (2019-XX-14): Rec'd CPA verbal verification dated xx/XX/xxxx and copy of CPA license with website printout for verification of CPA contact number. | 3/XX/2019 2:32:49 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223687769 | [redacted] | [redacted |  | 33796581 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Disclosure not provided within 3 business days of application date. Initial signed application in file dated xxxx/xxxxd disclosures were not provided to the borrower until xxxx/xx. |  |  |  | Reviewer Comment (2019-XX-22): Rec'd Processor Cert that xx/XX/xxxx application submitted to [Redacted] was an erroneous copy of a previous loan withdrawn by the borrower, and the 1003 dated xx/XX/xxxx shows the wrong loan number. Verified 1003 reflects incorrect loan number and updated application date to xx/XX/xxxx per Initial loan application D192.<br>Reviewer Comment (2019-XX-21): Rec'd disclosure dated xx/XX/xxxx and E-sign summary showing docs sent xx/XX/xxxx. Also rec'd application dated xx/XX/xxxx, however, initial signed application in the file is date xx/XX/xxxx. Application date xx/XX/xxxx and docs not provided within 3 business days. | 3/XX/2019 3:40:41 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | GA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223687769 | [redacted] | [redacted |  | 33796582 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Home Loan Toolkit Timing | Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. | Disclosure not provided within 3 business days of application date. Initial signed application in file dated xxxx/xxxxd disclosures were not provided to the borrower until xxxx/xx. |  |  |  | Reviewer Comment (2019-XX-22): Rec'd Processor Cert that xx/XX/xxxx application submitted to [Redacted] was an erroneous copy of a previous loan withdrawn by the borrower, and the 1003 dated xx/XX/xxxx shows the wrong loan number. Verified 1003 reflects incorrect loan number and updated application date to xx/XX/xxxx per Initial loan application D192.<br>Reviewer Comment (2019-XX-21): Rec'd disclosure dated xx/XX/xxxx and E-sign summary showing docs sent xx/XX/xxxx. Also rec'd application dated xx/XX/xxxx, however, initial signed application in the file is date xx/XX/xxxx. Application date xx/XX/xxxx and docs not provided within 3 business days.<br>Buyer Comment (2019-XX-21): Please see page 29 Doc Magic eSign cert | 3/XX/2019 3:40:41 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | GA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223687769 | [redacted] | [redacted |  | 33796583 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate issued xxxx/xxxxd provided to the borrower on xxxx/xxxxs not provided within 3 business days of application date. Initial signed application in file dated xxxx/xxxxd disclosures were not provided to the borrower until xxxx/xx. |  |  |  | Reviewer Comment (2019-XX-22): Rec'd Processor Cert that xx/XX/xxxx application submitted to [Redacted] was an erroneous copy of a previous loan withdrawn by the borrower, and the 1003 dated xx/XX/xxxx shows the wrong loan number. Verified 1003 reflects incorrect loan number and updated application date to xx/XX/xxxx per Initial loan application D192.<br>Reviewer Comment (2019-XX-21): Rec'd disclosure dated xx/XX/xxxx and E-sign summary showing docs sent xx/XX/xxxx. Also rec'd application dated xx/XX/xxxx, however, initial signed application in the file is date xx/XX/xxxx. Application date xx/XX/xxxx and docs not provided within 3 business days. | 3/XX/2019 3:40:41 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | GA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223687769 | [redacted] | [redacted |  | 33796584 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Service Provider Timing | TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. | SSPL not provided within 3 business days of application date. Initial signed application in file dated xxxx/xxxxd disclosures were not provided to the borrower until xxxx/xx. |  |  |  | Reviewer Comment (2019-XX-22): Rec'd Processor Cert that xx/XX/xxxx application submitted to [Redacted] was an erroneous copy of a previous loan withdrawn by the borrower, and the 1003 dated xx/XX/xxxx shows the wrong loan number. Verified 1003 reflects incorrect loan number and updated application date to xx/XX/xxxx per Initial loan application D192.<br>Reviewer Comment (2019-XX-21): Rec'd disclosure dated xx/XX/xxxx and E-sign summary showing docs sent xx/XX/xxxx. Also rec'd application dated xx/XX/xxxx, however, initial signed application in the file is date xx/XX/xxxx. Application date xx/XX/xxxx and docs not provided within 3 business days. | 3/XX/2019 3:40:41 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | GA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No |
| 223687770 | [redacted] | [redacted |  | 33796586 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Lump Sum Allocation | Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under [Redacted] . Anti-predatory lending points and fees testing are not impacted. | Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under [Redacted] . Anti-predatory lending points and fees testing are not impacted. |  |  |  | Buyer Comment (2019-XX-22): [Redacted] accepts |  |  | 3/XX/2019 4:43:29 PM | 2 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Purchase |  | C | B | C | B | B | B | C | A | Non QM | Non QM | No |
| 223687770 | [redacted] | [redacted |  | 33796588 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  | Loan is to go in a Securitization and reflects only one valuation product. Loan subject to Secondary Valuation. |  |  |  | Reviewer Comment (2019-XX-28): Received CDA | 6/XX/2019 8:53:16 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase |  | C | B | C | B | B | B | C | A | Non QM | Non QM | No |
| 223687770 | [redacted] | [redacted |  | 33796589 |  |  | Credit | Guideline | Guideline Issue | Guideline | The borrower is self-employed. Guidelines require either a tax professional letter or regulatory agency verifying at least 2 years of self-employment along with either a phone listing and/or business address using directory assistance or internet search to be in file. |  | Borrower Self Employed same business less than 2 years. Exception Approved xxxx/xxxxompensating Factors:<br> 1. DTI [Redacted] %/Max 50%<br> 2. Reserves: [Redacted] Months/ 6 Months Required.<br> 3. Residual Income greater than minimum required.<br> 4. Prior Employer- Same field as current employment. |  |  |  | Reviewer Comment (2019-XX-15): Duplicate exception | 3/XX/2019 6:07:41 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase |  | C | B | C | B | B | B | C | A | Non QM | Non QM | No |
| 223687770 | [redacted] | [redacted |  | 33796590 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Assumption | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx/xxxxcorrectly disclosed whether the loan allows for Assumption. | Note is assumable and CD reflects loan is not assumable. |  |  |  | Buyer Comment (2019-XX-22): [Redacted] accepts |  |  | 3/XX/2019 4:47:14 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | B | B | C | A | Non QM | Non QM | Yes |
| 223687770 | [redacted] | [redacted |  | 33796591 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Service Provider - Compliant | TILA-RESPA Integrated Disclosure: Settlement Service Provider List did not provide at least one available provider for each settlement service borrower is entitled to shop for or inform borrower they may choose different provider from list. | SSPL has no providers listed. |  |  |  | Reviewer Comment (2019-XX-25): [Redacted] received SSPL with listed providers dated xx/XX/xxxx. Exception Cleared. | 3/XX/2019 12:23:19 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Purchase | No Defined Cure | C | B | C | B | B | B | C | A | Non QM | Non QM | No |
| 223687770 | [redacted] | [redacted |  | 33796592 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XX0 exceeds tolerance of $XX0. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided on Final CD. |  |  |  |  |  | 3/XX/2019 6:14:18 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | B | B | C | A | Non QM | Non QM | Yes |
| 223687770 | [redacted] | [redacted |  | 33796593 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XX0 exceeds tolerance of $XX. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided on Final CD. |  |  |  |  |  | 3/XX/2019 6:14:18 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | B | B | C | A | Non QM | Non QM | Yes |
| 223687770 | [redacted] | [redacted |  | 33796594 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Third party verification of business existence within 10 calendar days of closing not provided. VVOE through CPA is not valid without verification of the CPA (dated within 10 days of closing) and source of CPA contact number verified with docs in the file. |  |  |  | Reviewer Comment (2019-XX-15): Rec'd CPA letter dated xx/XX/xxxx. | 3/XX/2019 6:10:05 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase |  | C | B | C | B | B | B | C | A | Non QM | Non QM | No |
| 223687770 | [redacted] | [redacted |  | 33796595 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Bank statement program requires two years self-employment and borrower has only been self-employed since [Redacted] ; Lender exception approval provided. Comp factors: [Redacted] months reserves, [Redacted] % DTI, good residual | [Redacted] % DTI on this Bank statement documentation loan < 50% guideline max - [Redacted] % below program guideline maximum<br>Borrower on this Bank statement documentation loan has a disposable income of $XXdacted]<br>[Redacted] months reserves > 6 months guideline minimum |  | Originator Pre-Close<br>Originator Pre-Close<br>Originator Pre-Close | Reviewer Comment (2019-XX-14): Lender exception approval provided. |  |  | 3/XX/2019 6:44:27 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | GA | Primary | Purchase |  | C | B | C | B | B | B | C | A | Non QM | Non QM | No |
| 223687771 | [redacted] | [redacted | XX | 33796598 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepaid Property Tax Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xxxx/xxxxd not disclose number of months for Property Tax under Prepaids. | The Final CD listed Past Due Property Taxes of $XX Section F. Lender did not disclose the number of months associated with this amount. |  |  |  | Buyer Comment (2019-XX-21): [Redacted] accepts |  |  | 5/XX/2019 4:14:06 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687771 | [redacted] | [redacted | XX | 33796599 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final CD was issued xxxx/xxxx a closing date of xxxx/xxxxrower signed the CD on [Redacted] . |  |  |  | Reviewer Comment (2019-XX-21): (REDACTED) received required documents, exception is cleared. | 5/XX/2019 1:39:36 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| 223687771 | [redacted] | [redacted | XX | 33796600 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $XX0 exceeds tolerance of $XXficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 5/XX/2019 6:57:57 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687771 | [redacted] | [redacted | XX | 33796601 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XX exceeds tolerance of $XXficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 5/XX/2019 6:57:57 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687771 | [redacted] | [redacted | XX | 33796602 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $XX0 exceeds tolerance of $XXficient or excess cure was provided to the borrower at Closing. |  |  |  |  |  |  | 5/XX/2019 6:57:57 PM |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687771 | [redacted] | [redacted | XX | 33796604 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx/xxxxsclosed a Finance Charge that does not match the actual finance charge for the loan. | The variance is in the amount of $XX2. The Final CD incorrectly listed the Hazard Insurance Premium of $XX2 in Section H. Insurance premium is not a Finance Charge and should have been entered in Section F. |  |  |  | Reviewer Comment (2019-XX-21): (REDACTED) received required documents, exception is cleared. | 5/XX/2019 1:46:02 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687772 | [redacted] | [redacted |  | 33796606 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | Reviewer Comment (2019-XX-28): Received CDA | 6/XX/2019 8:53:16 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Rate/Term |  | C | B | A | A | C | B | C | A | Non QM | Non QM | No |
| 223687772 | [redacted] | [redacted |  | 33796608 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | Reviewer Comment (2019-XX-16): $XXroker Processing Fee the was originally listed as payable to the Broker. The Final CD and Invoice provided list (REDACTED) as the payee which is a 3rd party. Data corrected, compliance testing updated.<br>Buyer Comment (2019-XX-14): This is not a High Cost loan. Please page #6 of the attached compliance report that DocMagic generates with the closing docs. The total Points and Fees that are to be taken into account are the following:<br>Commitment Fee $XX<br> Broker Origination Fee $XX<br> Discount Points $XX<br> Credit Report $XX | 5/XX/2019 12:44:07 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Rate/Term |  | C | B | A | A | C | B | C | A | Non QM | Non QM | No |
| 223687772 | [redacted] | [redacted |  | 33796609 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (2019-XX-16): $XXroker Processing Fee the was originally listed as payable to the Broker. The Final CD and Invoice provided list (REDACTED) as the payee which is a 3rd party. Data corrected, compliance testing updated.<br>Buyer Comment (2019-XX-14): This is not a High Cost loan. Please page #6 of the attached compliance report that DocMagic generates with the closing docs. The total Points and Fees that are to be taken into account are the following:<br>Commitment Fee $XX<br> Broker Origination Fee $XX<br> Discount Points $XX<br> Credit Report $XX | 5/XX/2019 12:44:07 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Rate/Term |  | C | B | A | A | C | B | C | A | Non QM | Non QM | No |
| 223687772 | [redacted] | [redacted |  | 33796610 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | Reviewer Comment (2019-XX-16): $XXroker Processing Fee the was originally listed as payable to the Broker. The Final CD and Invoice provided list (REDACTED) as the payee which is a 3rd party. Data corrected, compliance testing updated.<br>Buyer Comment (2019-XX-14): This is not a High Cost loan. Please page #6 of the attached compliance report that DocMagic generates with the closing docs. The total Points and Fees that are to be taken into account are the following:<br>Commitment Fee $XX<br> Broker Origination Fee $XX<br> Discount Points $XX<br> Credit Report $XX | 5/XX/2019 12:44:07 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Rate/Term |  | C | B | A | A | C | B | C | A | Non QM | Non QM | No |
| 223687772 | [redacted] | [redacted |  | 33796611 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | Reviewer Comment (2019-XX-16): $XXroker Processing Fee the was originally listed as payable to the Broker. The Final CD and Invoice provided list (REDACTED) as the payee which is a 3rd party. Data corrected, compliance testing updated. | 5/XX/2019 12:44:07 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Rate/Term |  | C | B | A | A | C | B | C | A | Non QM | Non QM | No |
| 223687772 | [redacted] | [redacted |  | 33796612 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [Redacted] % is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of [Redacted] on a Federal Total Loan Amount of $XXdacted] vs. an allowable total of $XXdacted] (an overage of $XXdacted] %). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (2019-XX-16): $XXroker Processing Fee the was originally listed as payable to the Broker. The Final CD and Invoice provided list (REDACTED) as the payee which is a 3rd party. Data corrected, compliance testing updated.<br>Buyer Comment (2019-XX-14): This is not a High Cost loan. Please page #6 of the attached compliance report that DocMagic generates with the closing docs. The total Points and Fees that are to be taken into account are the following:<br>Commitment Fee $XX<br> Broker Origination Fee $XX<br> Discount Points $XX<br> Credit Report $XX | 5/XX/2019 12:44:07 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Rate/Term | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | A | A | C | B | C | A | Non QM | Non QM | Yes |
| 223687772 | [redacted] | [redacted |  | 33796613 |  |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | Reviewer Comment (2019-XX-16): $XXroker Processing Fee the was originally listed as payable to the Broker. The Final CD and Invoice provided list (REDACTED) as the payee which is a 3rd party. Data corrected, compliance testing updated.<br>Buyer Comment (2019-XX-14): This is not a High Cost loan. Please page #6 of the attached compliance report that DocMagic generates with the closing docs. The total Points and Fees that are to be taken into account are the following:<br>Commitment Fee $XX<br> Broker Origination Fee $XX<br> Discount Points $XX<br> Credit Report $XX | 5/XX/2019 12:44:07 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Rate/Term |  | C | B | A | A | C | B | C | A | Non QM | Non QM | No |
| 223687772 | [redacted] | [redacted |  | 33796614 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Total Interest Percentage | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx/xxxxsclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. | Final CD disclosed TIP of 148.825%. |  |  |  | Buyer Comment (2019-XX-20): [Redacted] accepts<br>Reviewer Comment (2019-XX-17): TIP should be 130.859% Please provide a corrected CD and LOE to cure.<br>Buyer Comment (2019-XX-16): Per seller- I provide a memo to each ARM loan that specifies what index we use on our docs. The index, per our note, states that it can be set within 45 days of consummation. We used the index set xxxxx, which was xxxxx%, and that gave us a TIP of 148.825%<br>Reviewer Comment (2019-XX-15): Letter of Explanation & Corrected Closing Disclosure required to cure. (REDACTED) is using the maximum index of xxxxx% and the calculated TIP is 133.064% and the Lender disclosed 148.825%<br>Buyer Comment (2019-XX-14): The Processing Fee was not made payable directly to the broker. They outsourced the work and I have attached the invoice for the processing that was made payable to (REDACTED) Processing. This is what was listed on the Final CD datedxx/XX/xxxxSince the fee is not made payable to the broker, this should not be counted towards the Points and Fees Test.<br>Reviewer Comment (2019-XX-13): Unable to address the exception. PCCD, LOE, copy of any refund check and proof of delivery required. |  |  | 5/XX/2019 11:43:15 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | C | A | Non QM | Non QM | Yes |
| 223687772 | [redacted] | [redacted |  | 33796615 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xxxx/xxxxsclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. | The Final CD did not disclose a dollar amount by which the closing costs exceed the legal limit. The field is blank. |  |  |  | Reviewer Comment (2019-XX-15): COC provided<br>Reviewer Comment (2019-XX-13): No changed circumstance located for the fee increase. A PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception. | 5/XX/2019 5:25:04 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | C | A | Non QM | Non QM | Yes |
| 223687772 | [redacted] | [redacted |  | 33796616 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XX exceeds tolerance of $XXufficient or no cure was provided to the borrower. | Lender did not provide a cure for the addition of the discount fee. There is no valid Change of Circumstance in the file to support the addition of this fee. |  |  |  | Reviewer Comment (2019-XX-15): COC provided<br>Buyer Comment (2019-XX-14): The Processing Fee was not made payable directly to the broker. They outsourced the work and I have attached the invoice for the processing that was made payable to (REDACTED) Processing. This is what was listed on the Final CD datedxx/XX/xxxxSince the fee is not made payable to the broker, this should not be counted towards the Points and Fees Test.<br>Reviewer Comment (2019-XX-13): No changed circumstance located for the fee increase. A PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception. | 5/XX/2019 5:25:04 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | C | A | Non QM | Non QM | Yes |
| 223687772 | [redacted] | [redacted |  | 33796617 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Assumption | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx/xxxxcorrectly disclosed whether the loan allows for Assumption. | Note contains assumption language. The Final CD incorrectly states the loan is not assumable. |  |  |  | Buyer Comment (2019-XX-10): [Redacted] accepts |  |  | 5/XX/2019 12:03:33 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | C | A | Non QM | Non QM | Yes |
| 223687772 | [redacted] | [redacted |  | 33796618 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Invalid Section A Combinations | TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on xxxx/xxxxflects a Paid To party other than to lender or broker for fee within Origination Charges. | Processing Fee was made payable to a 3rd party in Section A. Processing Fee for 3rd party should be listed in Section B or C. |  |  |  | Buyer Comment (2019-XX-20): [Redacted] accepts |  |  | 5/XX/2019 11:43:25 AM | 2 |  | B |  | B |  | B |  | B |  | B |  | FL | Primary | Refinance - Rate/Term | Good Faith Redisclosure | C | B | A | A | C | B | C | A | Non QM | Non QM | Yes |
| 223687773 | [redacted] | [redacted |  | 33796620 |  |  | Compliance | Compliance | Federal Compliance | Flood | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post xx 2015, the subject property is in a flood zone, flood insurance is not escrowed. | Flood Insurance is carried by the HOA. |  |  |  | Reviewer Comment (2019-XX-05): Blanket coverage.<br>Buyer Comment (2019-XX-04): Attached, please find proof of Flood Insurance. Please be advised that the Flood Insurance was not included in Escrows as this coverage is provided by the (REDACTED) Please review and clear this condition. Thank you! | 6/XX/2019 12:11:47 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | FL | Investment | Purchase |  | C | A | C | A | B | A | A | A | N/A | N/A | No |
| 223687773 | [redacted] | [redacted |  | 33796621 |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Only one months bank statement provided for this account. |  |  |  | Reviewer Comment (2019-XX-05): Rec'd statements for #XXXX, missing statement for #XXXX. Funds not needed for closinxx/xxeserves, exception is cleared.<br>Buyer Comment (2019-XX-04): Attached, please find two months of bank statements from (REDACTED). This is a business statement loan, and this was the business account used in conjunction with the transaction. Please review and clear this condition. Thank You! | 6/XX/2019 12:15:36 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Purchase |  | C | A | C | A | B | A | A | A | N/A | N/A | No |
| 223687774 | [redacted] | [redacted |  | 33796623 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  |  |  |  | Reviewer Comment (2017-XX-31): 2 appraisals providedXX/XX<br> and XX/Xdated after hurricane IRMAXX/XX<br> - no damaged indicated as received. | 10/XX/2017 4:18:00 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223687774 | [redacted] | [redacted |  | 33796624 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Esign Consent Agreement Status | ESIGN Act – Loan file does not contain evidence of borrower's consent to receive electronic disclosures. |  |  |  |  | Reviewer Comment (2017-XX-31): Seller provided the e-consent dated 9/XX/2017. | 10/XX/2017 3:40:18 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | FL | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223687774 | [redacted] | [redacted |  | 33796625 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XX/20/2017) | Cure for (Discount fee) of ($XX0) was not provided. |  |  |  | Reviewer Comment (2017-XX-31): Seller provided the COC for the discount increase 10/XX/2017. | 10/XX/2017 4:13:00 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687774 | [redacted] | [redacted |  | 33796626 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/20/2017) | No evidence of earlier disclosure provided. |  |  |  | Reviewer Comment (2017-XX-31): Seller provided the initial TIL dated 10/XX/2017 e-signed. | 10/XX/2017 4:07:59 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223687774 | [redacted] | [redacted |  | 33796627 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XX0 exceeds tolerance of $XXufficient or no cure was provided to the borrower. (7200) | Fee was not disclosed on Loan Estimate. |  |  |  | Reviewer Comment (2017-XX-31): Seller provided the COC for the discount increase 10/XX/2017. | 10/XX/2017 4:13:00 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687774 | [redacted] | [redacted |  | 33796628 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID non-compliant: There is a partially completed TRID disclosure in file, which is insufficient to complete testing. |  | Pg 828 shows a final CD datedXX/XX<br> that is missing information and was not used for testing. |  |  |  | Reviewer Comment (2017-XX-06): Seller provided Attestation letter that the CD was not supplied to the borrower.<br>Reviewer Comment (2017-XX-06): Please provide an attestation letter stating that the incomplete CD supplied in the file (page 828) that is missing the Date Issued with a closing and disbursement date of 10/XX/2017 was not supplied to the borrower.<br>Reviewer Comment (2017-XX-31): Seller provided the complete final CD. Please provide and attestation letter the incomplete CD dated 10/XX/2017 was not provided to the borrower. Exception remains open. | 11/XX/2017 12:03:32 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase | Letter of Explanation & Corrected Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687774 | [redacted] | [redacted |  | 33796629 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.19890% or Final Disclosure APR of 7.22600% is in excess of allowable threshold of APOR 3.78% + 2.5%, or 6.28000%. Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2017-XX-31): XX purchases HPML compliant loans. |  |  | 10/XX/2017 10:31:12 AM | 1 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Purchase |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223687774 | [redacted] | [redacted |  | 33796630 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 10/XX/2017 not received by borrower at least four (4) business days prior to closing. (Interim/XX/17/2017) | No evidence of earlier disclosure located. |  |  |  | Reviewer Comment (2017-XX-31): Seller provided the revised LE e-signed on 10/XX/2017. | 10/XX/2017 3:46:26 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223687774 | [redacted] | [redacted |  | 33796631 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard $XXated cost new $XXfall $XX. |  |  |  | Reviewer Comment (2017-XX-06): Seller provided Property Replacement Cost Valuation. Exception Cleared. | 11/XX/2017 8:47:53 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223687774 | [redacted] | [redacted |  | 33796632 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Federal Counseling Agencies List Provided Date 10/XX/2017 > App Plus 3 days 09/XX/2017. |  |  |  | Reviewer Comment (2017-XX-31): XX has elected to waive this exception. |  |  | 10/XX/2017 3:32:50 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | C | B | C | A | C | B | A | A | Non QM | Non QM | No |
| 223687775 | [redacted] | [redacted | XX | 33796635 |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Possible Federal Loan Originator Compensation - Anti-Steering Disclosure Not Provided: Unable to determine Anti-Steering compliance/Safe Harbor | Loan Originator Compensation: Anti-Steering - Unable to determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower. |  |  |  |  | Buyer Comment (2019-XX-01): (Redacted) has elected to waive this exception. |  |  | 12/XX/2018 7:43:05 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Refinance - Rate/Term |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| 223687775 | [redacted] | [redacted | XX | 33796636 |  |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.54100% or Final Disclosure APR of 6.53600% is in excess of allowable threshold of APOR 4.96% + 1.5%, or 6.46000%. Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2019-XX-01): (Redacted) mortgage purchases HPML compliant loans. |  |  | 12/XX/2018 10:20:28 AM | 1 | A | A | A | A | A | A | A | A | A | A |  | AZ | Primary | Refinance - Rate/Term |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| 223687775 | [redacted] | [redacted | XX | 33796637 |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. |  |  |  |  | Buyer Comment (2019-XX-01): (Redacted) has elected to waive this exception. |  |  | 12/XX/2018 7:43:19 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Refinance - Rate/Term |  | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| 223687775 | [redacted] | [redacted | XX | 33796638 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for homeowner's insurance under Prepaids. (Final/[Redacted]) | Number of months is blank for the prepaid insurance on the final CD. |  |  |  | Buyer Comment (2019-XX-01): (Redacted) has elected to waive this exception. |  |  | 12/XX/2018 7:43:32 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | AZ | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes |
| 223687775 | [redacted] | [redacted | XX | 33796639 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate [Redacted] received on or after the date the Closing Disclosure [Redacted] 12:00:00 AM was received. (Interim/[Redacted]) | The final LE was provided on [Redacted] with no evidence of early receipt; the initial CD was provided [Redacted] and signed by the borrower on [Redacted]. |  |  |  | Reviewer Comment (2019-XX-01): (Redacted) received Disclosure Tracking indicating xx/XX/xxxx LE was received the same. Exception Cleared. | 12/XX/2018 12:55:32 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | AZ | Primary | Refinance - Rate/Term | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| 223687775 | [redacted] | [redacted | XX | 33796640 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. (Interim/[Redacted]) | The final LE was provided on [Redacted] with no evidence of early receipt; the borrower signed on [Redacted]. |  |  |  | Reviewer Comment (2019-XX-01): (Redacted) received Disclosure Tracking indicating xx/XX/xxxx LE was received the same. Exception Cleared.<br>Buyer Comment (2019-XX-01): LE Tracking | 12/XX/2018 12:55:32 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Primary | Refinance - Rate/Term | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No |
| 223687776 | [redacted] | [redacted | XX | 33796641 |  |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument not provided |  | Security Instrument is missing from loan docs |  |  |  | Reviewer Comment (2019-XX-01): Seller provided to (Redacted) the Security Instrument signed and dated on x/XX/xxxx.<br>Buyer Comment (2019-XX-01): For your review. | 9/XX/2018 3:06:02 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | CA | Investment | Purchase |  | D | B | D | A | D | B | A | A | N/A | N/A | No |
| 223687776 | [redacted] | [redacted | XX | 33796642 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Missing Lease Agreement for rental property located at [Redacted] [redacted]. |  |  |  | Reviewer Comment (2019-XX-01): Seller provided the corrected final xxxx with address as xxx N (REDACTED) - per Fraud xxxxx N (REDACTED) was not in the REO as a reflected in REO transactions.<br>Buyer Comment (2019-XX-01): Uploaded for your review-corrected 1003<br>Reviewer Comment (2019-XX-01): xxx N (REDACTED) appears on Schedule E of xxxx/xxxx xxxx's - please provide a revised final xxxx correcting from xxxxx N (REDACTED) to xxx N (REDACTED).<br>Buyer Comment (2019-XX-01): This appears to be a typo with the correct property address being xxx N. (REDACTED). Income calculation for this was based on income reflected on xxxx tax returns schedule E. calculation. Guides required tax return or lease. | 10/XX/2018 4:58:44 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Purchase |  | D | B | D | A | D | B | A | A | N/A | N/A | No |
| 223687776 | [redacted] | [redacted | XX | 33796644 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - XX-4 Family not provided |  |  |  |  |  | Reviewer Comment (2019-XX-01): Seller provided the - xx family rider, arm and ppp riders signed and dated on x/XX/xxxx.<br>Buyer Comment (2019-XX-01): Uploaded with Securirty Instrument. | 9/XX/2018 3:07:39 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Purchase |  | D | B | D | A | D | B | A | A | N/A | N/A | No |
| 223687776 | [redacted] | [redacted | XX | 33796645 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2019-XX-01): Seller provided the settlement statement withe the xxxx exchange funds of xxx,xxx.xx and xxx,xxx. | 10/XX/2018 9:27:33 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Purchase |  | D | B | D | A | D | B | A | A | N/A | N/A | No |
| 223687776 | [redacted] | [redacted | XX | 33796646 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Final closing statement in file shows deposits of [Redacted] that have not been sourced. Only deposit source was in the amount of [Redacted]. |  |  |  | Reviewer Comment (2019-XX-01): Seller provided the settlement statement withe the xxxx exchange funds of xxx,xxx.xx and xxx,xxx. | 10/XX/2018 9:27:38 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Purchase |  | D | B | D | A | D | B | A | A | N/A | N/A | No |
| 223687776 | [redacted] | [redacted | XX | 33796647 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  |  | Buyer Comment (2019-XX-01): (Redacted) has elected to waive this exception. |  |  | 9/XX/2018 7:49:07 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Purchase |  | D | B | D | A | D | B | A | A | N/A | N/A | No |
| 223687776 | [redacted] | [redacted | XX | 33796648 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | Missing Closing Disclosure: No Document Used For Fee Testing | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Reviewer Comment (2019-XX-01): Seller provided the final HUD dated x/XX/xx<br>Buyer Comment (2019-XX-01): Non Trid- see HUD-x. | 9/XX/2018 3:33:34 PM |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | CA | Investment | Purchase |  | D | B | D | A | D | B | A | A | N/A | N/A | No |
| 223687776 | [redacted] | [redacted | XX | 33796649 |  |  | Credit | Asset | Asset Documentation | Asset | Earnest Money Deposit is unsourced. Per guidelines EMD source is required. |  | Final closing statement in file shows deposits of [Redacted] + [Redacted] + [Redacted] for a total of [Redacted] that have not been sourced. Source of these deposits is required. |  |  |  | Reviewer Comment (2019-XX-01): Bank account history provided to verify EMD's were sourced.<br>Buyer Comment (2019-XX-01): Uploaded for your review: (REDACTED) and (REDACTED) Business statements with (REDACTED) statement showing the $XXre to title company.<br>Reviewer Comment (2019-XX-01): Missing sourced EMD's in the amount of xx,xxx and xxx,xxx - seller provided bank statements for buyer however these are not referenced. Exception remains<br>Buyer Comment (2019-XX-01): The Exchange documentation was included in the original loan package, but uploaded again for review<br>Reviewer Comment (2019-XX-01): Reviewed updated documentation provided. Actual xxxx exchange documentation was not included. Exception remains.<br>Buyer Comment (2019-XX-01): Uploaded for your review-1031 Exchange document. | 10/XX/2018 11:19:59 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Purchase |  | D | B | D | A | D | B | A | A | N/A | N/A | No |
| 223687776 | [redacted] | [redacted | XX | 33796650 |  |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Loan amount on page 3 of the final HUD was not provided. |  |  |  |  |  | Buyer Comment (2019-XX-01): (Redacted) has elected to waive this exception |  |  | 10/XX/2018 5:32:07 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | CA | Investment | Purchase |  | D | B | D | A | D | B | A | A | N/A | N/A | No |
| 223687776 | [redacted] | [redacted | XX | 33796651 |  |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Loan term on page 3 of the final HUD was not provided. |  |  |  |  |  | Buyer Comment (2019-XX-01): (Redacted) has elected to waive this exception. |  |  | 10/XX/2018 5:32:23 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | CA | Investment | Purchase |  | D | B | D | A | D | B | A | A | N/A | N/A | No |
| 223687776 | [redacted] | [redacted | XX | 33796652 |  |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Principal, interest and MI payment on page 3 of the final HUD was not provided. |  |  |  |  |  | Buyer Comment (2019-XX-01): (Redacted) has elected to waive this exception. |  |  | 10/XX/2018 5:32:38 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | CA | Investment | Purchase |  | D | B | D | A | D | B | A | A | N/A | N/A | No |
| 223687776 | [redacted] | [redacted | XX | 33796653 |  |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Interest rate on page 3 of the final HUD was not provided. |  |  |  |  |  | Buyer Comment (2019-XX-01): (Redacted) has elected to waive this exception. |  |  | 10/XX/2018 5:32:49 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | CA | Investment | Purchase |  | D | B | D | A | D | B | A | A | N/A | N/A | No |
| 223687776 | [redacted] | [redacted | XX | 33796654 |  |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Can your interest rate rise question on page 3 of the final HUD was not provided. |  |  |  |  |  | Buyer Comment (2019-XX-01): (Redacted) has elected to waive this exception. |  |  | 10/XX/2018 5:33:03 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | CA | Investment | Purchase |  | D | B | D | A | D | B | A | A | N/A | N/A | No |
| 223687776 | [redacted] | [redacted | XX | 33796655 |  |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Escrow question on page 3 of the final HUD was not provided. |  |  |  |  |  | Buyer Comment (2019-XX-01): (Redacted) has elected to waive this exception. |  |  | 10/XX/2018 5:33:15 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | CA | Investment | Purchase |  | D | B | D | A | D | B | A | A | N/A | N/A | No |
| 223687776 | [redacted] | [redacted | XX | 33796656 |  |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Balloon term question on page 3 of the final HUD was not provided. |  |  |  |  |  | Buyer Comment (2019-XX-01): (Redacted) has elected to waive this exception. |  |  | 10/XX/2018 5:33:26 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | CA | Investment | Purchase |  | D | B | D | A | D | B | A | A | N/A | N/A | No |
| 223687776 | [redacted] | [redacted | XX | 33796657 |  |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Can your loan balance rise question on page 3 of the final HUD was not provided. |  |  |  |  |  | Buyer Comment (2019-XX-01): (Redacted) has elected to waive this exception. |  |  | 10/XX/2018 5:33:38 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | CA | Investment | Purchase |  | D | B | D | A | D | B | A | A | N/A | N/A | No |
| 223687776 | [redacted] | [redacted | XX | 33796658 |  |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Prepayment penalty question on page 3 of the final HUD was not provided. |  |  |  |  |  | Buyer Comment (2019-XX-01): (Redacted) has elected to waive this exception. |  |  | 10/XX/2018 5:33:49 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | CA | Investment | Purchase |  | D | B | D | A | D | B | A | A | N/A | N/A | No |
| 223687776 | [redacted] | [redacted | XX | 33796659 |  |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Can your monthly payment amount owed rise question on page 3 of the final HUD was not provided. |  |  |  |  |  | Buyer Comment (2019-XX-01): (Redacted) has elected to waive this exception. |  |  | 10/XX/2018 5:33:59 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | CA | Investment | Purchase |  | D | B | D | A | D | B | A | A | N/A | N/A | No |
| 223687807 | [redacted] | [redacted | XX | 33796689 |  |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.03022% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XX a Federal Total Loan Amount of $XX. an investor allowable total of $XXn overage of $XX or 1.03022%). |  |  |  |  | Reviewer Comment (2022-XX-29): Client elects to waive.<br>Reviewer Comment (2022-XX-20): Client to review.<br>Seller Comment (2022-XX-17): Disagree - Please note that the Fannie Mae points and fees also known as QM test does not apply to this product type (bank statement) as it is a non-agency loan.<br>Bank Statement loans are not subject to QM or Fannie and Freddie high cost testing. They are still required to pass Hoepa and our investors will take HPML fails on them as long as all the requirements are met. i.e. (no appraisal wavier, no escrow waiver, and not NY)<br>Our contract states that XX will buy XX as long as all the requirements were met, as they were on this loan. |  |  | 6/XX/2022 4:24:00 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes |
| 223687807 | [redacted] | [redacted | XX | 33796691 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Fie was missing a copy of the loan approval or 1008. |  |  |  | Reviewer Comment (2022-XX-17): Received 1008 and associated. Exception cleared.<br>Seller Comment (2022-XX-16): XX/XX/XX AMB: Please see the attached 1008. | 6/XX/2022 2:17:52 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | C | A | B | B | A | A | Non QM | Non QM | No |
| 223687823 | [redacted] | [redacted |  | 33796709 |  |  | Credit | Guideline | Guideline Issue | Guideline | PITIA months reserves is less than 3 months and below guideline minimum requirements. |  |  |  |  |  | Reviewer Comment (2019-XX-25): No reserves required.<br>Buyer Comment (2019-XX-25): Hello, Did the Reserve guideline change on [Redacted] Thank you | 2/XX/2019 10:52:46 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223687823 | [redacted] | [redacted |  | 33796710 |  |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | Missing settlement statement from [Redacted] property reflecting approximately $XXdacted] in proceeds |  |  |  | Reviewer Comment (2019-XX-25): No reserves required.<br>Buyer Comment (2019-XX-25): hello, Reserves aren't required on this program. Please review and update. Thank you | 2/XX/2019 10:52:54 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223687823 | [redacted] | [redacted |  | 33796711 |  |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | Missing settlement statement from [Redacted] property reflecting approximately $XXdacted] in proceeds |  |  |  | Reviewer Comment (2019-XX-25): No reserves required. | 2/XX/2019 10:53:00 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223687823 | [redacted] | [redacted |  | 33796712 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Verified assets are not sufficient to meet funds required to close. Missing settlement statement from [Redacted] property reflecting approximately $XXdacted] in proceeds |  |  |  | Reviewer Comment (2019-XX-25): Received in trailing documents<br>Buyer Comment (2019-XX-25): Hello, the CD for the [Redacted] property was previously uploaded to the other conditions you cleared. The CD shows $XXdacted] plus bank account of $XXdacted] Please review . Thank you | 2/XX/2019 5:21:05 PM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Investment | Purchase |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223687824 | [redacted] | [redacted | XX | 33796713 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2019-XX-19): Single member confirmed<br>Buyer Comment (2019-XX-17): LLC agreement shows borrower is sole (redacted), thus the only signing authority. please clear.<br>Reviewer Comment (2019-XX-10): The Corporate Resolution is the document that defines signing authority (the last sentence of the previous client comment entered). Signing authority is required (This is the Corporate Resolution).<br>Buyer Comment (2019-XX-10): \*\*\*\*\* Please submit the attachments in the POST CLOSING - (redacted) bucket, to(REDACTED) for review to clear condition \*\*\* Our guidelines do not address the Corp Resolution being required: <br>The following Entity documentation must be provided:<br>? Entity Articles of Organization, Partnership, and Operating Agreements (if applicable)<br> ? Tax Identification Number<br> ? Certificate of Good Standing<br> ? Certificate of Authorization for the person executing all documents on behalf of the Entity | 5/XX/2019 8:30:10 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Refinance - Cash-out - Other |  | C | A | C | A |  |  | A | A |  | N/A | No |
| 223687825 | [redacted] | [redacted | XX | 33796716 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-XX-31): Client elects to waive. |  |  | 5/XX/2022 12:13:22 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Investment | Refinance - Cash-out - Other |  | B | B | B | B |  |  | A | A |  | N/A | No |
| 223687826 | [redacted] | [redacted | XX | 33796718 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | Reviewer Comment (2019-XX-23): Received AVM | 10/XX/2019 2:05:53 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Investment | Refinance - Cash-out - Other |  | C | B | A | A |  |  | C | B |  | N/A | No |
| 223687826 | [redacted] | [redacted | XX | 33796719 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to go into a securitization and secondary valuation is required. The secondary valuation in file is an invalid AVM (FSD is not .2 or less). Loan will require a supporting desk review or better. |  |  |  |  |  | Reviewer Comment (2023-XX-12): CDA received, which supports the appraised value | 1/XX/2023 7:30:20 AM |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | GA | Investment | Refinance - Cash-out - Other |  | C | B | A | A |  |  | C | B |  | N/A | No |
| 223687826 | [redacted] | [redacted | XX | 33796720 |  |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go into a securitization and highest level secondary valuation supports the qualifying value. There is a lower level tertiary valuation in file which is invalid or does not support the qualifying value. |  | CDA does support appraised value |  |  |  | Reviewer Comment (2023-XX-12): lender has approved blanket waive approval for this exception |  |  | 1/XX/2023 7:30:42 AM | 2 |  | B |  | B |  | B |  | B |  | B |  | GA | Investment | Refinance - Cash-out - Other |  | C | B | A | A |  |  | C | B |  | N/A | No |
| 223687835 | [redacted] | [redacted | XX | 33796737 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 9/XX/2023 11:23:17 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Investment | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A |  | N/A | No |
| 223687836 | [redacted] | [redacted | XX | 33796740 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XX. |  | SitusAMC | Reviewer Comment (2023-XX-10): Client elects to waive. Comp factors include 708 FICO, clean credit history 0x30x24 and experienced landlord<br>Buyer Comment (2023-XX-06): XXXXX to review |  |  | 10/XX/2023 6:38:36 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | FL | Investment | Purchase |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687836 | [redacted] | [redacted | XX | 33796741 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 70.00000%. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XX. |  | SitusAMC | Reviewer Comment (2023-XX-10): Client elects to waive. Comp factors include 708 FICO, clean credit history 0x30x24 and experienced landlord<br>Buyer Comment (2023-XX-06): XXXXX to review |  |  | 10/XX/2023 6:38:43 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | FL | Investment | Purchase |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687836 | [redacted] | [redacted | XX | 33796742 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Documented qualifying Assets for Closing of $XX less than Cash From Borrower $XXnly 1 monthly statement was provided for XXXXX which is also the source of funds used to purchase four $XX's. Guidelines require 60 days of asset verification. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XX. |  | SitusAMC | Reviewer Comment (2023-XX-10): Client elects to waive. Comp factors include 708 FICO, clean credit history 0x30x24 and experienced landlord<br>Buyer Comment (2023-XX-06): XXXXX to review |  |  | 10/XX/2023 6:38:58 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | FL | Investment | Purchase |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687836 | [redacted] | [redacted | XX | 33796743 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Documented qualifying Assets for Closing of $XX less than Cash From Borrower $XXnly 1 monthly statement was provided for XXXXX which is also the source of funds used to purchase four $XX's. Guidelines require 60 days of asset verification. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XX. |  | SitusAMC | Reviewer Comment (2023-XX-10): Client elects to waive. Comp factors include 708 FICO, clean credit history 0x30x24 and experienced landlord<br>Buyer Comment (2023-XX-06): XXXXX to review |  |  | 10/XX/2023 6:39:09 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | FL | Investment | Purchase |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687842 | [redacted] | [redacted | XX | 33796749 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 10/XX/2023 7:31:15 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A |  | N/A | No |
| 223687843 | [redacted] | [redacted | XX | 33796753 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 12/XX/2023 11:35:40 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | LA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687843 | [redacted] | [redacted | XX | 33796754 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 2.41 is less than Guideline PITIA months reserves of 6.00. |  |  |  | Reviewer Comment (2023-XX-27): Provided Bank statements XXXXX, verified and updated the details. Exception Cleared.<br>Seller Comment (2023-XX-27): XX/XX/XX KM: The current balance in the XXXXX account is $XX. Appears the last statement balance is incorrectly being used by the due diligence company. | 12/XX/2023 12:24:21 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | LA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687843 | [redacted] | [redacted | XX | 33796755 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Missing Operating Agreement for borrowing entity. |  |  |  | Reviewer Comment (2023-XX-27): Received Operating agreement or other supporting documents as per guidelines, verified and updated the details. Exception Cleared.<br>Seller Comment (2023-XX-27): XX/XX/XX KM: The guidelines require the "operating Agreement, Corporate Resolution, or other equivalent documentation to verify ownership/authorization." This has been confirmed in the attached document as XXXXX is the sole member of XXXXX and has the authorization to sign. | 12/XX/2023 12:26:00 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | LA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687843 | [redacted] | [redacted | XX | 33796756 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing Certificate of good standing for borrowing entity. |  |  |  | Reviewer Comment (2023-XX-27): Received Certificate of Good standing or other supporting documents as per guidelines, verified and updated the details. Exception Cleared.<br>Seller Comment (2023-XX-27): XX/XX/XX KM: Please note that it is not a guideline requirement to obtain proof of good standing for the borrowing entity. | 12/XX/2023 12:26:46 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | LA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687845 | [redacted] | [redacted | XX | 33796759 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | The file is missing a copy of 1007 Rent comparison schedule. |  |  |  | Reviewer Comment (2024-XX-12): Received and associated 1007 Rent Comparison Schedule. Details updated. Exception cleared. | 3/XX/2024 3:59:10 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Investment | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A |  | N/A | No |
| 223687847 | [redacted] | [redacted | XX | 33796763 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 4/XX/2024 3:29:10 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687847 | [redacted] | [redacted | XX | 33796764 |  |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Calculated loan to value percentage of 65% exceeds Guideline loan to value percentage of 55%. 10% required deduction for unleased investment properties for cash out refinances. |  |  |  | Reviewer Comment (2024-XX-22): Associated Lease agreements for all units and details updated. LTV is within guidelines limit. Exception is cleared.<br>Seller Comment (2024-XX-21): These are now month to month leases and for #XX below are the original dates<br>Reviewer Comment (2024-XX-21): Please confirm estoppels provided for Unit #XX and Unit #XX are month to month or Yearly Agreements. Also confirm, Lease Start Date and Lease End Date for units #XX. Exception remains.<br>Seller Comment (2024-XX-20): estoppel<br>Reviewer Comment (2024-XX-13): Subject property is 3 Unit property - Unit 1 #XX, Unit 2 #XX and Unit 3 #XX. We have received Tenant Estoppel Certificates for #XX and #XX. Please provide Tenant Estoppel for #XX as well. Also, please confirm if all the estoppels are month to month or Yearly Agreements. Exception remains.<br>Seller Comment (2024-XX-10): estoppels<br>Reviewer Comment (2024-XX-06): Transaction is Refi / Cash-Out and loan is underwritten as per GS Non-QM Underwriting Guidelines 04.20.23. Due to absence of lease agreement in file, Total Estimated Monthly Income of Market Rent is coming as $XXalculated DSCR is coming as 0.94. As per DSCR guides, DSCR < 1.15, 65% LTV/CLTV can be considered, however, LTV reduction of 10% applies to this when lease agreements are missing or the subject property is unleased. Exception remains.<br>Seller Comment (2024-XX-03): rebuttal | 5/XX/2024 11:52:05 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687847 | [redacted] | [redacted | XX | 33796765 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Calculated loan to value percentage of 65% exceeds Guideline loan to value percentage of 55%. 10% required deduction for unleased investment properties for cash out refinances. |  |  |  | Reviewer Comment (2024-XX-22): Associated Lease agreements for all units and details updated. CLTV is within guidelines limit. Exception is cleared.<br>Seller Comment (2024-XX-21): These are now month to month leases and for #XX below are the original dates<br>Reviewer Comment (2024-XX-13): Subject property is 3 Unit property - Unit 1 #XX, Unit 2 #XX and Unit 3 #XX. We have received Tenant Estoppel Certificates for #XX and #XX. Please provide Tenant Estoppel for #XX as well. Also, please confirm if all the estoppels are month to month or Yearly Agreements. Exception remains.<br>Seller Comment (2024-XX-10): estoppels<br>Reviewer Comment (2024-XX-06): Transaction is Refi / Cash-Out and loan is underwritten as per GS Non-QM Underwriting Guidelines 04.20.23. Due to absence of lease agreement in file, Total Estimated Monthly Income of Market Rent is coming as $XXalculated DSCR is coming as 0.94. As per DSCR guides, DSCR < 1.15, 65% LTV/CLTV can be considered, however, LTV reduction of 10% applies to this when lease agreements are missing or the subject property is unleased. Exception remains.<br>Seller Comment (2024-XX-03): rebuttal | 5/XX/2024 11:52:17 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687850 | [redacted] | [redacted | XX | 33796768 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  |  | Reviewer Comment (2024-XX-17): Client elects to waive. |  |  | 4/XX/2024 12:13:18 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | GA | Investment | Refinance - Cash-out - Other |  | A | B | A | B |  | B | A | A |  | N/A | No |
| 223687850 | [redacted] | [redacted | XX | 33796771 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  |  | Miscellaneous | Reserves $XX | SitusAMC,Aggregator | Reviewer Comment (2024-XX-22): CLTV 60, Reserves $XXClean pay history |  |  | 4/XX/2024 1:20:38 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | GA | Investment | Refinance - Cash-out - Other |  | A | B | A | B |  | B | A | A |  | N/A | No |
| 223687852 | [redacted] | [redacted | XX | 33796785 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | override |  |  |  |  |  |  | 7/XX/2024 1:36:24 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | DE | Investment | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A |  | N/A | No |
| 223687853 | [redacted] | [redacted | XX | 33796787 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 5/XX/2024 8:54:21 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | UT | Investment | Purchase |  | B | B | A | A | B | B | A | A |  | N/A | No |
| 223687856 | [redacted] | [redacted | XX | 33796792 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | override |  |  |  |  |  |  | 6/XX/2024 3:16:17 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | MI | Investment | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A |  | N/A | No |
| 223687857 | [redacted] | [redacted | XX | 33796794 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | SitusAMC,Aggregator | Reviewer Comment (2024-XX-11): . |  |  | 7/XX/2024 7:11:37 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | MD | Investment | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A |  | N/A | No |
| 223687859 | [redacted] | [redacted | XX | 33796797 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 8/XX/2024 4:16:28 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Investment | Refinance - Cash-out - Other |  | B | B | B | B | B | B | A | A |  | N/A | No |
| 223687859 | [redacted] | [redacted | XX | 33796799 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 8/XX/2024 4:24:00 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Investment | Refinance - Cash-out - Other |  | B | B | B | B | B | B | A | A |  | N/A | No |
| 223687860 | [redacted] | [redacted | XX | 33796800 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 7/XX/2024 3:23:18 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Investment | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A |  | N/A | No |
| 223687860 | [redacted] | [redacted | XX | 33796802 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXProvide updated policy reflecting minimum coverage of $XX provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2024-XX-16): Updated Hazard Insurance policy associated and details updated. Sufficient amount of insurance coverage available. Exception is cleared.<br>Seller Comment (2024-XX-16):XX/XX<br> NR: Please see attached insurance policy showing sufficient coverage. | 8/XX/2024 3:58:09 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OH | Investment | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A |  | N/A | No |
| 223687860 | [redacted] | [redacted | XX | 33796803 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 7/XX/2024 7:10:40 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Investment | Refinance - Cash-out - Other |  | C | B | C | B | B | B | A | A |  | N/A | No |
| 223687861 | [redacted] | [redacted | XX | 33796804 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 7/XX/2024 6:37:39 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Investment | Purchase |  | B | B | B | B | B | B | A | A |  | N/A | No |
| 223687861 | [redacted] | [redacted | XX | 33796805 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 7/XX/2024 6:44:01 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | OH | Investment | Purchase |  | B | B | B | B | B | B | A | A |  | N/A | No |
| 223687865 | [redacted] | [redacted | XX | 33796812 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XX less than the note amount of $XXsed on the Commitment in file. |  |  |  |  |  |  | 8/XX/2024 10:41:39 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | MI | Investment | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A |  | N/A | No |
| 223687869 | [redacted] | [redacted | XX | 33796818 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided |  |  |  |  |  |  | 9/XX/2024 3:53:17 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Investment | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A |  | N/A | No |
| 223687872 | [redacted] | [redacted | XX | 33796824 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The subject property is located in a FEMA disaster area that does not have a declared end date. The appraisal was performed after the FEMA declaration start date but prior to the declared end date. |  |  |  | Reviewer Comment (2024-XX-08): Disaster end date updated. Exception replaced.<br>Reviewer Comment (2024-XX-08): Provided Property Inspection report is already in file dated 10/XX/2024, however the most recent disaster end date was 11/XX/2024,<br> Provide a post-disaster inspection report (after disaster end date 11/XX/2024) verifying that there was no damage. <br> Exception remains.<br>Seller Comment (2024-XX-07): Please see attached. | 11/XX/2024 12:22:00 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Investment | Purchase |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687872 | [redacted] | [redacted | XX | 33796825 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | Provided Property Inspection report is already in file dated 10/XX/2024, however the most recent disaster end date was 11/XX/2024,<br> Provide a post-disaster inspection report (after disaster end date 11/XX/2024) verifying that there was no damage. <br> Exception remains. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-XX-08): Client elects to waive. Comp factors: 765 FICO, 30mo reserves & 1.09 DSCR |  |  | 11/XX/2024 12:22:31 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | FL | Investment | Purchase |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687874 | [redacted] | [redacted | XX | 33796828 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  |  |  |  | 10/XX/2024 6:35:49 AM | 2 | B | B | B | B | B | B | B | B | B | B |  | MO | Investment | Refinance - Cash-out - Other |  | B | B | B | B | A | A | A | A |  | N/A | No |
| 223687875 | [redacted] | [redacted | XX | 33796831 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet FNMA guidance for cash flow analysis. |  |  |  | Reviewer Comment (2024-XX-25): Cash flow analysis received. Exception cleared.<br>Seller Comment (2024-XX-25): Hello, I was able to obtain a balance sheet to verify the business is liquid. Fannie Mae States "The lender may use discretion in selecting the method to confirm that the business has adequate liquidity to support the withdrawal of earnings." Thus, GAAP accepts Assets= Liabilities + Equity to verify liquidity. | 10/XX/2024 1:05:02 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Investment | Purchase |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687875 | [redacted] | [redacted | XX | 33796832 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of $XX insufficient to meet cash to close of $XXissing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet FNMA guidance for cash flow analysis. |  |  |  | Reviewer Comment (2024-XX-25): Cash flow analysis received. Exception cleared. | 10/XX/2024 1:04:34 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Investment | Purchase |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687875 | [redacted] | [redacted | XX | 33796833 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing letter from company's CPA providing a statement indicating withdrawal of the funds will not negatively impact the business OR meet FNMA guidance for cash flow analysis. |  |  |  | Reviewer Comment (2024-XX-25): Cash flow analysis received. Exception cleared.<br>Seller Comment (2024-XX-25): Hello, I was able to obtain a balance sheet to verify the business is liquid. Fannie Mae States "The lender may use discretion in selecting the method to confirm that the business has adequate liquidity to support the withdrawal of earnings." Thus, GAAP accepts Assets= Liabilities + Equity to verify liquidity. | 10/XX/2024 1:04:28 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Investment | Purchase |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687875 | [redacted] | [redacted | XX | 33796834 |  |  | Credit | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Genesee County Water Contamination: Property is located in Genesee County, MI and could be subject to contaminated water. Files does not contain evidence that water supply is serviced by a non-municipal water source (well water supply), or evidence from an independent water quality analysis that confirms that water is free of all known environmental and safety hazards |  |  |  |  |  | Reviewer Comment (2024-XX-29): Client elects to waive.<br>Reviewer Comment (2024-XX-25): Client to review.<br>Seller Comment (2024-XX-25): Hello, the appraiser verifies that there are no known adverse site conditions that affect the livability of the subject property. Having a contaminated water supply directly falls into this category. I do want to note that the guideline is silent on this topic but verified there are no concerns of the livability nonetheless. Thank you. |  |  | 10/XX/2024 2:37:53 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | MI | Investment | Purchase |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687875 | [redacted] | [redacted | XX | 33796835 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Issue: Ineligible borrower |  | Borrowers who have lived in a rent-free situation are ineligible. Per LOE in file, borrower is living rent free since 04/XX/18. Lender exception provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2024-XX-29): Client elects to waive. Comp factors: 731 FICO, 45mo reserves & 1.25 DSCR<br>Reviewer Comment (2024-XX-24): Client to review. Lender Exception is in file.<br>Seller Comment (2024-XX-24): Hello, exception was provided. Please see attached.<br>Reviewer Comment (2024-XX-22): Client to review. |  |  | 10/XX/2024 4:09:25 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | MI | Investment | Purchase |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687875 | [redacted] | [redacted | XX | 33796836 |  |  | Credit | Guideline | Guideline Issue | Guideline | Borrower does not have the minimum open tradelines per guidelines. |  | Per guidelines a minimum of three (3) trade lines from traditional credit sources that reported for 24 months or more. Lender exception provided in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2024-XX-29): Client elects to waive. Comp factors: 731 FICO, 45mo reserves & 1.25 DSCR<br>Reviewer Comment (2024-XX-24): Client to review. Lender Exception is in file.<br>Seller Comment (2024-XX-24): Hello, exception was provided by XX at XX. Please see attached.<br>Reviewer Comment (2024-XX-22): Client to review. |  |  | 10/XX/2024 4:09:43 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | MI | Investment | Purchase |  | C | B | C | B | A | A | A | A |  | N/A | No |
| 223687876 | [redacted] | [redacted | XX | 33796838 |  |  | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | Business Purpose Certificate document is missing. |  |  |  | Reviewer Comment (2024-XX-25): Received Signed Business purpose Certificate. Exception cleared<br>Buyer Comment (2024-XX-23): BPA | 9/XX/2024 9:42:27 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Purchase |  | C | A | C | A | A | A | A | A |  | N/A | No |
| 223687876 | [redacted] | [redacted | XX | 33796840 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  |  |  |  |  | Reviewer Comment (2024-XX-25): we have policy underwritten by a state's Fair Access to Insurance Requirements (FAIR) plan or other state insurance plan, if it is the only coverage that can be obtained. exception cleared.<br>Buyer Comment (2024-XX-23): Ins | 9/XX/2024 11:25:52 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Investment | Purchase |  | C | A | C | A | A | A | A | A |  | N/A | No |
| 223694146 | [redacted] | [redacted | XX | 33804217 |  |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Missing secondary valuation product required for securitization. |  |  |  |  |  | Reviewer Comment (2018-XX-29): Received CDA within tolerance | 8/XX/2018 1:03:26 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation |  | D | B | A | A | C | B | C | A | Non QM | Non QM | No |
| 223694146 | [redacted] | [redacted | XX | 33804220 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on (Redacted) disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/(Redacted)) | No cure or verified COC provided. Corrected PC CD provided, however, LOE and proof of delivery to the borrower was not provided. |  |  |  | Reviewer Comment (2018-XX-19): Corrected post close CD, letter of explanation, copy of the refund check and evidence of delivery (borrower indicated that he received the check) have been provided.<br>Reviewer Comment (2018-XX-13): Rec'd LOE, corrected CD, and copy of refund check. Missing proof of delivery. |  | 6/XX/2018 11:43:01 AM |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Letter of Explanation & Corrected Closing Disclosure | D | B | A | A | C | B | C | A | Non QM | Non QM | Yes |
| 223694146 | [redacted] | [redacted | XX | 33804221 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | XXXXX Constitution Section XXXXX: Acknowledgment of the Fair Market Value not properly executed by the Lender. | Acknowledgement of the Fair Market Value provided is not signed by the Lender. |  |  |  | Reviewer Comment (2018-XX-05): Received disclosure signed by lender in trailing documents. | 6/XX/2018 10:56:35 AM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $XXd offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | D | B | A | A | C | B | C | A | Non QM | Non QM | Yes |
| 223694146 | [redacted] | [redacted | XX | 33804222 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Repair / Remedy Fee. Fee Amount of $XX0 exceeds tolerance of $XXufficient or no cure was provided to the borrower. (75156) | Pest Repair fee from Final CD disclosed in section B was not disclosed on LE and no COC or cure provided at closing. PC CD provided removed pest repair fee from section B and added Attorney fee to section H of the Closing Disclosure on (Redacted). LOE and Proof of delivery to the borrower was not provided; unable to cure. |  |  |  | Reviewer Comment (2018-XX-19): Corrected post close CD, letter of explanation, copy of the refund check and evidence of delivery (borrower indicated that he received the check) have been provided.<br>Reviewer Comment (2018-XX-13): Rec'd LOE, corrected CD, and copy of refund check. Missing proof of delivery.<br>Reviewer Comment (2018-XX-06): Missing copy of check, Proof of delivery and LOE to borrower. |  | 6/XX/2018 11:41:46 AM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | C | A | Non QM | Non QM | Yes |
| 223694146 | [redacted] | [redacted | XX | 33804223 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure/Notice Concerning Extensions of Credit Not Provided) | XXXXX Constitution Section XXXXX: Revised Notice Concerning Extensions of Credit not provided on TX Home Equity Loan made on or after XX/XX/XX. | TX - Extension of Credit XXXXX disclosure was not provided. |  |  |  | Reviewer Comment (2018-XX-06): Disclosure received in trailing documents. | 6/XX/2018 6:06:27 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXd offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | D | B | A | A | C | B | C | A | Non QM | Non QM | Yes |
| 223694146 | [redacted] | [redacted | XX | 33804224 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company) | XXXXX Constitution Section XXXXX: Unable to determine if loan was closed an an authorized location due to missing documentation. |  |  |  |  | Reviewer Comment (2018-XX-06): Additional review confirms settlement was conducted at Title Company. | 6/XX/2018 6:01:53 PM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Debt Consolidation | Refund or credit the borrower $XXd offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | D | B | A | A | C | B | C | A | Non QM | Non QM | Yes |
| 223694147 | [redacted] | [redacted |  | 33804225 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Deephaven alternative loan Analysis form is provided, but not signed. |  |  |  | Reviewer Comment (2018-XX-16): [Redacted] - Rec'd signed and completed Deephaven Alternative Lending Form in trailing docs. | 11/XX/2018 2:55:07 PM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | TX | Primary | Refinance - Cash-out - Other |  | D | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223694147 | [redacted] | [redacted |  | 33804227 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) |  |  |  |  | Reviewer Comment (2018-XX-26): [Redacted] - Final Title not in file; exception set for unable to determine if loan contains T-42 and T-42.1. | 11/XX/2018 11:34:39 AM |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | D | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223694147 | [redacted] | [redacted |  | 33804228 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (TX Home Equity Disclosure): Revised Notice Concerning Extensions of Credit provided at least 12 days prior to closing with no evidence of receipt in file) | Texas Constitution Section 50(a)(6): Notice of Extension of Credit Disclosure provided at least 12 days prior to closing with no evidence of receipt in file. |  |  |  |  | Reviewer Comment (2018-XX-16): [Redacted] - Rec'd disclosure signed by the borrower on [Redacted] in trailing docs. | 11/XX/2018 3:08:07 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $XXd offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | D | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223694147 | [redacted] | [redacted |  | 33804229 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  |  |  | Reviewer Comment (2018-XX-16): [Redacted] - Rec'd additional copy of the disclosure signed by the Lender in trailing docs. | 11/XX/2018 3:08:07 PM |  |  | 1 | C | A | C | A | C | A | C | A | D | A |  | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $XXd offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | D | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223694147 | [redacted] | [redacted |  | 33804230 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate [Redacted] received on or after the date the Closing Disclosure [Redacted] [Redacted] AM was received. (Interim/[Redacted]) | Loan Estimate dated [Redacted] received date was not provided therefore mailbox rule applied showing receipt on or after the CD dated [Redacted]. |  |  |  | Buyer Comment (2018-XX-28): DH accepts<br>Reviewer Comment (2018-XX-26): The Loan estimate dated [Redacted] is not signed / dated by the borrower and the file does not contain evidence of when the borrower received the [Redacted] Loan Estimate. AMC is using the mailbox rule to apply the received date of [Redacted] for the Loan Estimate dated [Redacted]. Initial CD was issued [Redacted] which is dated prior to the receipt of the Loan Estimate dated [Redacted]. Please provide document that confirms when borrower received the [Redacted] Loan Estimate.<br>Buyer Comment (2018-XX-26): Sun West is in in compliance with 12 CFR 1026.19(c)(4)(ii).<br>Relationship between revised Loan Estimates and Closing Disclosures. The creditor shall not provide a revised version of the disclosures required under paragraph (e)(1)(i) of this section on or after the date on which the creditor provides the disclosures required under paragraph (f)(1)(i) of this section. The consumer must receive any revised version of the disclosures required under paragraph (e)(1)(i) of this section not later than four business days prior to consummation. If the revised version of the disclosures required under paragraph (e)(1)(i) of this section is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail.<br>In consistent with above regulation, Sun West provided the revised Loan Estimate on [Redacted], which was prior to providing Initial Closing Disclosure on [Redacted] . Also, borrower received the last disclosed LE on [Redacted], which was prior to four business days of consummation.<br>Reviewer Comment (2018-XX-16): AMC received Lender Exceptions, Acknowledgment of Fair Market Value, and Notice Concerning Equity. Please provide documentation if the [Redacted] LE was received prior to [Redacted] to clear. Exception Stands. |  |  | 11/XX/2018 3:52:07 PM | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other | No Defined Cure | D | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223694147 | [redacted] | [redacted |  | 33804231 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Homeowner's Insurance Premium Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/[Redacted]) | Final Closing Disclosure provided on [Redacted], Section F prepaids, disclosed Homeowner' s Ins paid for $XXcted] for 12 mos however the current premium is $XXcted] |  |  |  | Reviewer Comment (2018-XX-26): Letter of Explanation & Corrected Closing Disclosure provided. The amount collected at closing of $XXcted] was the amount due for the policy. Thus the number of months not reflecting as a whole number.<br>Buyer Comment (2018-XX-26): The CD has been revised to reflect correct number of months. Attached is revised CD issued to borrower along with LOE.<br>Reviewer Comment (2018-XX-16): AMC received PCCD however the amount of months collected for homeowner's insurance prepaids is not corrected. The premium is $XX was paid 5 months were paid. The PCCD indicates 12 months. Please provide corrected CD and LOE to Cure. Exception Stands.<br>Buyer Comment (2018-XX-16): Please see amount due on second page. |  | 11/XX/2018 12:28:04 PM |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223694147 | [redacted] | [redacted |  | 33804232 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[Redacted]) | Final Closing Disclosure provided on [Redacted] disclosed $XXcted] of the dollar amount by which the Total Closing Costs exceeded the legal limit. However the survey fee of $XXcted] was not included. |  |  |  | Reviewer Comment (2018-XX-26): Letter of Explanation & Corrected Closing Disclosure provided.<br>Reviewer Comment (2018-XX-16): AMC received COC dated [Redacted] indicating a Survey Report is received, however a valid change of circumstance requiring the fee is not indicated. The COC only indicates a survey was received. It does not state the reason the fee was not initially disclosed or what changed. Please provide Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD to Cure. Exception Stands. |  | 11/XX/2018 12:39:49 PM |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | D | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223694147 | [redacted] | [redacted |  | 33804233 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Invalid Section B Combinations | TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on [Redacted] reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section. (Final/[Redacted]) | Final Closing Disclosure provided on [Redacted] reflects fees Paid To lender or broker in section B. The lender did sent a post close CD showing fees correctly being paid to third party. |  |  |  | Reviewer Comment (2018-XX-16): AMC received PCCD correcting the payor of the credit report. Exception Cleared. |  | 11/XX/2018 12:39:47 PM |  | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure | D | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223694147 | [redacted] | [redacted |  | 33804234 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $XXcted] exceeds tolerance of $XXufficient or no cure was provided to the borrower. (75106) | Final Closing Disclosure provided on [Redacted], section B. Collateral Desktop Review of $XXcted] exceeded tolerance. |  |  |  | Reviewer Comment (2018-XX-16): Clearing Exception<br>Reviewer Comment (2018-XX-16): AMC received PCCD indicating a cure of $XXcted]. A cure was indicated on the Final CD. Exception Cleared. | 11/XX/2018 1:00:18 PM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223694147 | [redacted] | [redacted |  | 33804235 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXcted] exceeds tolerance of $XXufficient or no cure was provided to the borrower. (75174) | Final Closing Disclosure provided on [Redacted], Section B, Survey Fee $XX0 exceeds tolerance of $XXure was provided to the borrower. |  |  |  | Reviewer Comment (2018-XX-26): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided.<br>Buyer Comment (2018-XX-26): Attached is Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD to Cure.<br>Reviewer Comment (2018-XX-16): AMC received COC dated [Redacted] indicating a Survey Report is received, however a valid change of circumstance requiring the fee is not indicated. The COC only indicates a survey was received. It does not state the reason the fee was not initially disclosed or what changed. Please provide Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD to Cure. Exception Stands. |  | 11/XX/2018 12:39:15 PM |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223694147 | [redacted] | [redacted |  | 33804237 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Loan amount of $XXcted] is less than the minimum allowed per guides of $XXcted]. An incomplete lender exception was in the file. | [Redacted] months reserves > [Redacted] months guideline minimum<br>Borrowers have owned the subject property for [Redacted] years |  | Aggregator<br>Aggregator | Reviewer Comment (2018-XX-16): [Redacted] - Lender exception approval provided in trailing docs.<br>Reviewer Comment (2018-XX-15): Rec'd additional copy of Lender exception request form that does not indicate if exception was approved. Please provide Loan Exception history showing this loan exception as granted/approved. |  |  | 11/XX/2018 3:14:59 PM | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Refinance - Cash-out - Other |  | D | B | C | B | C | B | A | A | Non QM | Non QM | No |
| 223694147 | [redacted] | [redacted |  | 33804238 |  |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of [Redacted]% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $XXcted] on an Original Principal Loan Amount of $XXcted] vs. an allowable total of $XXcted] (an overage of $XXcted] or 0.[Redacted]%.) |  |  |  |  | Reviewer Comment (2018-XX-26): Corrected paid to for fees on Final CD.<br>Buyer Comment (2018-XX-26): As per 'Article 16, Texas Section 50(a)(6)(E)', fee charged to borrower cannot be more than 2% .<br>As per our calculation the Points and Fees are within 2% compliance. Please find attached PDF copy and the audited CD that was used for calculation.<br>Please advice if it will suffice the requirement? if no can you please provide the calculation from which the total Points and Fees is coming as [Redacted], so that we can review the same. | 11/XX/2018 10:45:39 AM |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | D | B | C | B | C | B | A | A | Non QM | Non QM | Yes |
| 223694147 | [redacted] | [redacted |  | 33804239 |  |  | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Unable to determine whether the loan contains a T-42 and T-42.1 Endorsement due to missing information. | Final Tile policy not in file. |  |  |  | Buyer Comment (2018-XX-28): DH accepts |  |  | 11/XX/2018 3:51:56 PM | 2 |  | B |  | B |  | B |  | B |  | B |  | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | D | B | C | B | C | B | A | A | Non QM | Non QM | No |

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## Exhibit 99.12

**Exhibit 99.12 Schedule 3**

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| ![](ex99-12sch3_001.jpg) | ![](ex99-12sch3_001.jpg) | ![](ex99-12sch3_001.jpg) | ![](ex99-12sch3_001.jpg) | ![](ex99-12sch3_001.jpg) | ![](ex99-12sch3_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 7/2/2025 6:53:13 PM** | **Run Date - 7/2/2025 6:53:13 PM** | **Run Date - 7/2/2025 6:53:13 PM** | **Run Date - 7/2/2025 6:53:13 PM** | **Run Date - 7/2/2025 6:53:13 PM** | **Run Date - 7/2/2025 6:53:13 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| 222433629 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 222433686 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 222433711 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 222433716 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 222433723 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 222523867 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 222523868 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 222523869 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 222523870 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 222523871 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 222523872 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 222523874 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 222734951 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 222734952 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 222804413 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223002906 | [redacted] | [redacted] |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223002907 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223002908 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223002909 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223002910 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223002912 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223002913 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223015773 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223015776 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223015777 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223015778 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223054156 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223129678 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223129680 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223129681 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223184961 | [redacted] | [redacted] |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223260410 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223260411 | [redacted] | [redacted] |  |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223260422 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223260427 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223260453 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223260465 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223260471 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223260479 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223260481 | [redacted] | [redacted] |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223260482 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223260484 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223260495 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223260497 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223260500 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223260508 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223260513 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223260526 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223260529 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223260531 | [redacted] | [redacted] |  |  |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223260532 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223260533 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223260534 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223260536 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223260546 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223260552 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223260555 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223270723 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223270729 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223270730 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223303569 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223303572 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223303573 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | B | C | B | C | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | B | B | B | A |  | A | A | A | A | A |  | A | B | B | B | A |  |
| 223303574 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223303575 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223303577 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223303578 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | B | C | B | C | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223303579 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223303580 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223303581 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223303584 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223303585 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223303586 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223303588 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223303589 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223305538 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223305539 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223305540 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223305542 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223305543 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223305544 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223305545 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223334125 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444777 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444778 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444779 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444780 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444781 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444784 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444787 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444788 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444789 | [redacted] | [redacted] |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223444790 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444791 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444792 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444793 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444795 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444796 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444797 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444798 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444799 | [redacted] | [redacted] |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444801 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444805 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444806 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444807 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444808 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223444809 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223505818 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223505819 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223505821 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223505822 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223505823 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223505824 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223505825 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223505826 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223505827 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223505828 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223505829 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223505830 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223505831 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223505832 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223505833 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223505834 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223505835 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223505836 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223505837 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223505838 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223505839 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223505840 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223505841 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223505842 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223652783 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223652785 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223652806 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223652807 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223652809 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223685791 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223685792 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223685795 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223685796 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223685797 | [redacted] | [redacted] |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223685798 | [redacted] | [redacted] |  |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223685799 | [redacted] | [redacted] |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223685800 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223685801 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223685802 | [redacted] | [redacted] |  |  |  | C | C | C | C | D |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | D |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223685803 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223685804 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223685805 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223685806 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223685807 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223685808 | [redacted] | [redacted] |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687710 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687711 | [redacted] | [redacted] | XX |  |  | D | D | D | D | D |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687713 | [redacted] | [redacted] | XX |  |  | C | C | C | B | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | B | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687714 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687715 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A | A | C | C | C | C | C | C | A | A | A | A | A | A | C | C | C | C | C | C | A | A | A | A | A | A | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| 223687716 | [redacted] | [redacted] |  |  |  | C | C | C | C | CC | C | A | A | A | A | RA | A | A | A | A | A | VA | A | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 223687717 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687718 | [redacted] | [redacted] | XX |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687719 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687721 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687722 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687723 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687724 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687725 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687726 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687727 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687728 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687729 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687730 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687731 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687732 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687733 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687734 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687735 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687736 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687737 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687738 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687739 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687740 | [redacted] | [redacted] | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687741 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687742 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687743 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  |
| 223687744 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687746 | [redacted] | [redacted] | XX |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687747 | [redacted] | [redacted] | XX |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687748 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687749 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687750 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687751 | [redacted] | [redacted] | XX |  |  | D | D | D | D | D |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687752 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687753 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687755 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687756 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687757 | [redacted] | [redacted] | XX |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687760 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687762 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687763 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687764 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687765 | [redacted] | [redacted] | XX |  |  | C | C | C | C | CC | C | C | C | C | C | RD | C | C | C | C | C | VC | C | C | C | C | C | D | C | A | A | A | A | A | A | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| 223687766 | [redacted] | [redacted] |  |  |  | C | C | C | C | CC | C | C | C | C | C | RC | C | A | A | A | A | VA | A | C | C | C | C | C | C | A | A | A | A | A | A | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| 223687767 | [redacted] | [redacted] | XX |  |  | A | A | A | A | CA | A | C | C | C | C | RC | C | C | C | C | C | VC | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 223687768 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | C | C | C | C | C | C | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B |
| 223687769 | [redacted] | [redacted] |  |  |  | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 223687770 | [redacted] | [redacted] |  |  |  | C | C | C | C | C | C | B | B | B | B | B | B | C | C | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| 223687771 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A | A | C | C | C | C | C | C | A | A | A | A | A | A | C | C | C | C | C | C | A | A | A | A | A | A | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| 223687772 | [redacted] | [redacted] |  |  |  | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| 223687773 | [redacted] | [redacted] |  |  |  | C | C | C | C | C | C | B | B | B | B | B | B | A | A | A | A | A | A | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 223687774 | [redacted] | [redacted] |  |  |  | C | C | C | C | CC | C | C | C | C | C | RC | C | A | A | A | A | VA | A | C | C | C | C | C | C | A | A | A | A | A | A | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| 223687775 | [redacted] | [redacted] | XX |  |  | A | A | A | A | CA | A | C | C | C | C | RC | C | A | A | A | A | VA | A | C | C | C | C | C | C | A | A | A | A | A | A | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| 223687776 | [redacted] | [redacted] | XX |  |  | D | D | D | D | CD | D | D | D | D | D | RD | D | A | A | A | A | VA | A | D | D | D | D | D | D | A | A | A | A | A | A | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| 223687807 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687822 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A |
| 223687823 | [redacted] | [redacted] |  |  |  | C | C | C | C | C | C |  |  |  |  |  |  | A | A | A | A | A | A | C | C | C | C | C | C | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A |
| 223687824 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C | C |  |  |  |  |  |  | A | A | A | A | A | A | C | C | C | C | C | C | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A |
| 223687825 | [redacted] | [redacted] | XX |  |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  |  |  |  |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687826 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A | A |  |  |  |  |  |  | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A |  |  |  |  |  |  | B | B | B | B | B | B | B | B | B | B | B | B |
| 223687834 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687835 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687836 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687838 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687840 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687841 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687842 | [redacted] | [redacted] | XX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687843 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687844 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687845 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687846 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687847 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687848 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687850 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A | A |  |  |  |  |  |  | A | A | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687852 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687853 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687854 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687855 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687856 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687857 | [redacted] | [redacted] | XX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687858 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687859 | [redacted] | [redacted] | XX |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687860 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687861 | [redacted] | [redacted] | XX |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687862 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687863 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687864 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687865 | [redacted] | [redacted] | XX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687866 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687867 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687868 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687869 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687871 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687872 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687873 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223687874 | [redacted] | [redacted] | XX |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687875 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 223687876 | [redacted] | [redacted] | XX |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223694146 | [redacted] | [redacted] | XX |  |  | A | A | A | A | CA | A | C | C | C | C | RD | C | C | C | C | C | VC | C | C | C | C | C | D | C | A | A | A | A | A | A | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| 223694147 | [redacted] | [redacted] |  |  |  | C | C | C | C | CD | C | C | C | C | C | RD | C | A | A | A | A | VA | A | C | C | C | C | D | C | B | B | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | B | B | B | B | B | B |
| 223694148 | [redacted] | [redacted] |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223709421 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223716529 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 223716530 | [redacted] | [redacted] | XX |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |

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## Exhibit 99.12

**Exhibit 99.12 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| ![](ex99-12sch4_001.jpg) | ![](ex99-12sch4_001.jpg) | ![](ex99-12sch4_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 7/2/2025 6:53:14 PM** | **Run Date - 7/2/2025 6:53:14 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 222433629 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -32.713% |  |  |  |  |  |  | No |  | 5.00 |
| 222433686 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  | -26.760% |  | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -26.760% |  |  |  |  |  |  | No |  | 3.70 |
| 222433711 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222433716 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222433723 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.90 |
| 222523867 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.212% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.212% |  |  |  |  |  |  | N/A |  |  |
| 222523868 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.320% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.320% |  |  |  |  |  |  | N/A |  |  |
| 222523869 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  | N/A |  |  |
| 222523870 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.888% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.888% |  |  |  |  |  |  | N/A |  |  |
| 222523871 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  | N/A |  |  |
| 222523872 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  | N/A |  |  |
| 222523874 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.408% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.408% |  |  |  |  |  |  | N/A |  |  |
| 222734951 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222734952 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 222804413 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223002906 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223002907 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.564% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223002908 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223002909 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223002910 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.261% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223002912 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223002913 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223015773 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223015776 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223015777 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223015778 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223054156 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223129678 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223129680 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223129681 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223184961 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.778% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260410 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260411 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260422 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260427 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260453 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260465 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
| 223260471 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260479 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260481 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260482 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260484 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260495 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260497 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223260500 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260508 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260513 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260526 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260529 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260531 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.772% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260532 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260533 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260534 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 223260536 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.00 |
| 223260546 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260552 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223260555 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 223270723 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223270729 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223270730 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223303569 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.10 |
| 223303572 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.60 |
| 223303573 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.20 |
| 223303574 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.10 |
| 223303575 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.80 |
| 223303577 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 |
| 223303578 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| 223303579 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| 223303580 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.263% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.90 |
| 223303581 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.30 |
| 223303584 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| 223303585 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.40 |
| 223303586 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| 223303588 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 223303589 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.90 |
| 223305538 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223305539 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223305540 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223305542 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223305543 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223305544 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223305545 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223334125 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 223444777 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223444778 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 223444779 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 999.00 |
| 223444780 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| 223444781 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.30 |
| 223444784 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223444787 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.50 |
| 223444788 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.90 |
| 223444789 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223444790 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.60 |
| 223444791 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223444792 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223444793 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.870% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| 223444795 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223444796 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 223444797 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| 223444798 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 223444799 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 223444801 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223444805 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 223444806 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.30 |
| 223444807 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223444808 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223444809 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.90 |
| 223505818 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.90 |
| 223505819 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223505821 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 223505822 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223505823 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 223505824 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 223505825 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223505826 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223505827 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223505828 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 223505829 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 223505830 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223505831 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 223505832 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223505833 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223505834 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 223505835 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223505836 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223505837 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 223505838 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223505839 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 223505840 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 223505841 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.468% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.468% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223505842 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 223652783 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 223652785 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223652806 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223652807 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.30 |
| 223652809 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 223685791 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223685792 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223685795 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223685796 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| 223685797 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.80 |
| 223685798 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223685799 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223685800 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223685801 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223685802 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223685803 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223685804 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223685805 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223685806 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223685807 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223685808 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 223687710 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 223687711 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.735% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 223687713 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.40 |
| 223687714 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.60 |
| 223687715 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687716 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |
| 223687717 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687718 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687719 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687721 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.117% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687722 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 223687723 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687724 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687725 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687726 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687727 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687728 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687729 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687730 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687731 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 223687732 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687733 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687734 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687735 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| 223687736 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687737 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 25.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687738 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687739 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687740 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223687741 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 18.827% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223687742 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| 223687743 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.00 |
| 223687744 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 223687746 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.371% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 223687747 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.644% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687748 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.750% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| 223687749 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687750 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687751 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687752 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.167% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687753 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687755 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687756 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| 223687757 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 223687760 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 223687762 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 223687763 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 223687764 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 223687765 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687766 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| 223687767 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.225% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 3.20 |
| 223687768 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.679% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687769 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 223687770 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 |
| 223687771 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 2.40 |
| 223687772 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687773 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687774 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223687775 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 223687776 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.571% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687807 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 1.00 |
| 223687822 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223687823 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223687824 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.308% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223687825 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 3.70 |
| 223687826 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -22.599% |  |  |  |  |  |  |  |  |  |
| 223687834 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 223687835 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687836 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687838 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687840 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687841 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687842 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687843 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687844 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687845 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687846 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687847 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687848 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687850 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223687852 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687853 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687854 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.574% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687855 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687856 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687857 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687858 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687859 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687860 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687861 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687862 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687863 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687864 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687865 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687866 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687867 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687868 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687869 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687871 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687872 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687873 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687874 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687875 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223687876 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| 223694146 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223694147 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223694148 | [redacted] | [redacted} |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 223709421 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 223716529 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.00 |
| 223716530 | [redacted] | [redacted} | XX |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |

---

## Exhibit 99.13

**Exhibit 99.13**

![](ex99-13_001.jpg)

Executive Summary<br> PRPM 2025-NQM3

(1) Type of Assets.

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on residential mortgage loans originated by one seller and acquired directly (or indirectly) by LB-Flat Series VI Trust in connection with the PRPM 2025-NQM3, LLC transaction (the "Client"). The loan reviews were conducted in January 2025 by CRES.

(2) Number of Assets.

There is one asset in the loan population.

(3) Review Process.

The post-closing loan reviews were graded in accordance with the following NRSRO(s) Third Party Due- Diligence Criteria, in addition to the review grading of "Meets Guidelines" or "Does Not Meet Guidelines":

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Moody's Ratings | &nbsp;&nbsp;Moody's Approach to Rating US RMBS Using the MILAN Framework dated July 18, 2024 |

---

The post-closing reviews included a re-underwrite of each borrowers' credit, an analysis of the property valuation, and regulatory compliance testing. Post-closing reviews are underwritten to the applicable lender's or client's underwriting guidelines and credit matrices. The review scope and methodology of these different review areas is discussed in subsequent sections of this document.

(4) Sample size of the assets reviewed.

The due diligence review was conducted on 100% of the loan population and consisted of 1 mortgage loan with an aggregate original principal balance of approximately $1,400,000. The mortgage loan originated in August 2024.

(5) Asset Review

In connection with the credit re-underwrite, CRES reviewed all origination documentation to determine conformity to the applicable underwriting guidelines and other regulatory requirements described below, including (if applicable) the Ability to Repay and Qualified Mortgage requirements. Review areas included, but are not limited to:

**Credit Review and Methodology**

**Credit Report**: Analyzed the Borrower's credit report/credit history, confirming that credit scores, liabilities and public records met guideline requirements. Liabilities gathered from the credit report were included in the re-calculation of the debt-to-income ratio as appropriate. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) credit report date, (ii) bankruptcy date, (iii) bankruptcy discharge date, (iv) bankruptcy chapter, (v) foreclosure date, (vi) short sell date, (vii) longest trade line (active), (viii) longest trade line balance (active), (ix) months reviewed, (x) number of trade lines, (xi) credit scores, (xii) revolving debts and (xiii) installments debts.

**Loan Application (1003):** Reviewed the Borrower's Loan Application including comparison of initial loan application against the final loan application, or other loan applications found in the file, to identify potential discrepancies. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) purpose, (ii) years in primary residence, (iii) number of mortgaged properties (as compared with the credit reports disclosed mortgages), (iv) application date, (v) borrower information (name, date of birth, social security number and number of family members), (vi) borrower's address, (vii) borrower(s)' employment information (including address, years at job, years in field), (vii) monthly income and (ix) citizenship.

**Loan Approval/Exception Form (if applicable):** Reviewed the Lender's approval and Client's exception approval documentation to confirm appropriate risk mitigating factors were present when granting exceptions.

**Sales Contract (if applicable):** Reviewed the sales contract to confirm buyer(s) and seller(s), sales price and property address matches other documents.

**Title:** Reviewed the title policy or commitment to identify possible judgments or other liens that may have existed at origination. In addition, proper vesting and parties (as disclosed on sales contract, note, and deed) were reflected accurately.

**Hazard and Flood Insurance:** Reviewed hazard and flood (if applicable) insurance to ensure policy met the minimum required amount of replacement coverage.

**Employment and Income (DTI Loans):** Reviewed borrower(s)' employment and income documentation used for qualification purposes and as applicable, Appendix Q or Ability to Repay, including recalculation of debt-to-income ratio (DTI) to confirm compliance with underwriting guidelines. Items reviewed included: (i) verbal or written verifications of employment, (ii) pay stubs, (iii) W-2's, (iv) federal tax returns, (v) bank statements, (vi) profit and loss statements, and (vii) IRS tax transcripts (when provided).

**Assets:** Reviewed (i) bank statements, (ii) verification-of-deposit (VOD) and (iii) stock or security account statements to ensure adequate assets were provided verifying down payment, closing costs and reserves required by the guidelines and as applicable Ability to Repay.

**Guidelines:** Confirmed compliance with applicable underwriting guidelines and determined the qualification of credit and income, assets, property type and usage, LTV/CLTV, and documentation requirements to applicable underwriting guidelines and loan program matrices. Items included, but not limited to: FICO, housing history, bankruptcy and foreclosure seasoning, occupancy, credit grade, loan amounts (minimum and maximum), maximum cash out amount, reserves, residual income, minimum trade lines, debt to income and debt service coverage ratio requirements.

Unless otherwise stated in the Lender's or Client's guidelines, Fannie Mae guidelines prevail.

**Property Valuation Review and Methodology**

CRES reviewed the Appraisal for completeness and conformance to industry standards, including requirements set forth in Title XI of FIRREA. The review included both data and description information provided by the appraiser. Review items included: (i) property address and borrower information matches the mortgage note and other critical origination documents, (ii) neighborhood characteristics and housing trends were acceptable and met applicable underwriting guidelines, (iii) site information for zoning compliance and possible adverse site notations reviewed for adverse conditions, FEMA Flood Zone designation matched the Flood Certification, (iv) property type and property description information met applicable underwriting guidelines, (v) comparable sales (sale dates, distance, gross and net adjustments, square footage, and value) met industry standards and were properly bracketed, (vi) comparable size, style, and location were similar to the subject address, (vii) condition of the property was average or better and notable repairs were addressed, (viii) appraisal was made on an "as is" basis or proper evidence of completion was obtained and clearly documented and addressed all "subject to" conditions noted, (ix) subject and comparable photos reviewed to ensure appraisal description information coincides with property pictures and that no visible adverse issues are present that the appraiser did not address, (x) appraisal was completed by a licensed appraiser and (xi) appraisal was completed within the required timing requirements, as disclosed in the applicable underwriting guidelines.

A Fannie Mae UCDP Submission Summary Report with a Collateral Underwriter Risk Score of 2.5 or less or an enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from a client approved AMC is required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from a client approved AMC is acceptable. The source of the Appraisal Review Product may not be the same AMC used for the appraisal. If the Collateral Underwriter Risk Score is greater than 2.5 an enhanced desk review product was also required. If the Appraisal Review Product value is more than 10% below the appraised value, a second field review or appraisal was required. In certain cases, correspondents may include an enhanced desk review product from a Client approved AMC. All ARR or CDA documentation provided by a client approved AMC vendor was recorded by CRES, as an acceptable valuation support option as long as valuations were obtained in accordance with guidelines and through notable AMC vendors. Any loans that did not maintain an enhanced desk review or did not meet the Client's vendor requirements were conditioned and communicated with the Client.

If material origination valuation discrepancies could not be resolved an exception was created and the applicable NRSROs valuation grade was recorded.

**Compliance Review Methodology**

All loans in this pool are classified as "business purpose". In such cases compliance TILA and Regulation Z requirements were not tested, as the law's provisions do not apply to an extension of credit if primarily for business or a commercial purpose (12 C.F.R. §1026.3(a); 15 U.S.C. § 1603).

Compliance testing was limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· A review of the Note and Mortgage for accuracy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review of Occupancy and Business Purpose Certifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· State and Federal High Cost and Higher-Priced

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High-Cost Ordinance

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review. All the loans in this pool were classified as Not Covered/Exempt: Loans that are not covered by the rule.

*The table below contains the TRID eligible breakdown for the loan population:*

 

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**Document Review**

CRES reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal

&nbsp;&nbsp;&nbsp;&nbsp;· Asset documentation.

&nbsp;&nbsp;&nbsp;&nbsp;· Business Purpose Certification (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;· Changed circumstance documentation.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit report.

&nbsp;&nbsp;&nbsp;&nbsp;· FACTA disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;· Final 1003.

&nbsp;&nbsp;&nbsp;&nbsp;· Final HUD-1/Closing Disclosure(s).

&nbsp;&nbsp;&nbsp;&nbsp;· Hazard and/or flood insurance policies.

&nbsp;&nbsp;&nbsp;&nbsp;· HUD from sale of previous residence.

&nbsp;&nbsp;&nbsp;&nbsp;· Homeownership counseling organizations disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· Income and employment documentation.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial and final GFE's.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial application (1003).

&nbsp;&nbsp;&nbsp;&nbsp;· Initial escrow disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial TIL.

&nbsp;&nbsp;&nbsp;&nbsp;· Leases

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimate(s).

&nbsp;&nbsp;&nbsp;&nbsp;· Market Rent supporting documentation

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Insurance.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage/Deed of Trust.

&nbsp;&nbsp;&nbsp;&nbsp;· Note.

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Special Flood Hazards.

&nbsp;&nbsp;&nbsp;&nbsp;· Sales contract.

&nbsp;&nbsp;&nbsp;&nbsp;· Tangible Net Benefit Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;· Title/Preliminary Title.

&nbsp;&nbsp;&nbsp;&nbsp;· Written List of Service Providers.

(6) Tape Data Compare

CRES compared data fields on the data tape provided by the Client to the data points disclosed on the actual mortgage loan file documents, as captured by CRES. When data was available, the following data elements were compared:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**QM Type** |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**P&I Payment** | &nbsp;&nbsp;**Term** |
| &nbsp;&nbsp;**Doc Level** | &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**Property City** |  |
| &nbsp;&nbsp;**DSCR** | &nbsp;&nbsp;**Note Date** | &nbsp;&nbsp;**Property State** |  |
| &nbsp;&nbsp;**FICO** | &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;**Property Zip** |  |
| &nbsp;&nbsp;**First Payment Date** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Purpose** |  |

---

The aggregator provided CRES with loan level data regarding the mortgage loans for the data integrity check. The aggregator received the data directly from sellers through loan registrations in its system or via data tape.

Of the 1 mortgage loan reviewed, no unique mortgage loans had a tape discrepancy across 19 data fields. The following table discloses the number of data discrepancies noted by field name. Note, data was not provided on certain field compare values. The fields in which tape data was not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;**Discrepancy: Yes** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Doc Level** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**FICO** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**First Payment Date** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Note Date\*** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**P&I Payment\*** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Property City** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Property Zip** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**QM Type\*** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Term** | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;\*Note Date, P&I Payment, QM Type: Tape data was not provided. | &nbsp;&nbsp;\*Note Date, P&I Payment, QM Type: Tape data was not provided. | &nbsp;&nbsp;\*Note Date, P&I Payment, QM Type: Tape data was not provided. | &nbsp;&nbsp;\*Note Date, P&I Payment, QM Type: Tape data was not provided. |

---

(7) Credit, Compliance and Property Valuation Results

**Credit Results Summary**

Approximately 100.00% of the mortgage loans in the securitization have a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of all mortgage loans by number received a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of all mortgage loans by number received a Valuation grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an overall grade of "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

(8) Pool Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Second Home** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Rate Term Refi** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Condo** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**2-4 Family** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**5-10 Unit Multi-Family** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Townhome** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Mixed Use** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**0-10%\*** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10%-20%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20%-30%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30%-40%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**40%-50%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50%-60%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**0%-9.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50%-59.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**60%-69.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**70%-79.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**80%-89.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**90%-100%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**FL** | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

## Exhibit 99.13

**Exhibit 99.13 Schedule 1**

---

| | | | | |
|:---|:---|:---|:---|:---|
| ![](ex99-13sch1_001.jpg) |  |  |  |  |
| **ATR QM Data Fields** | **ATR QM Data Fields** |  |  |  |
| *Loans in Report: 1* |  |  |  |  |
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| 1052763002 | XXXXXXXXX | Not covered/exempt | No | No |
| **1** |  |  |  |  |

---

## Exhibit 99.13

**Exhibit 99.13 Schedule 2**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Exceptions Report: 6/30/2025** | **Rating Agency Exceptions Report: 6/30/2025** | **Rating Agency Exceptions Report: 6/30/2025** | **Rating Agency Exceptions Report: 6/30/2025** | **Rating Agency Exceptions Report: 6/30/2025** | **Rating Agency Exceptions Report: 6/30/2025** | **Rating Agency Exceptions Report: 6/30/2025** | **Rating Agency Exceptions Report: 6/30/2025** | **Rating Agency Exceptions Report: 6/30/2025** | **Rating Agency Exceptions Report: 6/30/2025** | **Rating Agency Exceptions Report: 6/30/2025** | **Rating Agency Exceptions Report: 6/30/2025** | **Rating Agency Exceptions Report: 6/30/2025** | **Rating Agency Exceptions Report: 6/30/2025** | **Rating Agency Exceptions Report: 6/30/2025** | **Rating Agency Exceptions Report: 6/30/2025** | **Rating Agency Exceptions Report: 6/30/2025** | **Rating Agency Exceptions Report: 6/30/2025** |
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| 1052763002 | XXXXXXX FL | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 37.73 |  | 667 | 70.00% | XXXXXXX | 287821 | Credit | Program Eligibilty | Per Rent Schedule form 1007 property is a XXXX which is ineligible under the Prime Connect program. An exception for being a XXXX is missing from the loan file. | 9/22/2024: Exception not applicable as rental income is not being used. |  | Cleared Exception B | 1 |
| 1052763002 | XXXXXXX FL | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 37.73 |  | 667 | 70.00% | XXXXXXX | 291362 | Property | Appraisal | The subject property was located in a XXXX. Provide a post disaster inspection report for the subject in the loan file. | 10/29: Per inspection: Significant damage was noted. Interior inspection is recommended. Home inspection is<br> recommended. Septic inspection recommended.<br> 12/2: Per the final inspection completed XXXX significant exterior damage was still noted. Septic inspection recommended (exposed), generator was damaged, pool/spa damage, siding damage noted. See exterior photos. No interior damage was noted. There is data to support the costs to cure and how the value is being impacted. Loan will remain an EV3/C based on latest inspection. <br> 1/10/2025: Post consummation disaster report provided, all repairs to the property have been made there are no health/safety concerns cures the condition. |  | Cleared Exception B | 2 |
| **1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.13

**Exhibit 99.13 Schedule 3**

---

| | | |
|:---|:---|:---|
| **Rating Agency Grades: 6/27/2025** | **Rating Agency Grades: 6/27/2025** | **Rating Agency Grades: 6/27/2025** |
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| 1052763002 | XXXXXXXX | XXXXXXXX C A B |

---

## Exhibit 99.13

**Exhibit 99.13 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** |
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Seller Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **CU Date** |
| 1052763002 | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | 70.00% | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 Fannie Mae | XX/XX/XXXX |

---

## Exhibit 99.13

**Exhibit 99.13 Schedule 5**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TPR Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| None |  |  |  |  |  | No |

---

## Exhibit 99.14

**Exhibit 99.14**

![](ex99-14_001.jpg)

**Overview**

The StoneHill Group, Inc. ("TSG") performed certain due diligence services (the "Review") described below on loans backed by residential properties (both residential mortgage loans and small balance commercial loans secured by residential properties or mixed-use properties being leased to generate income; together the "Loans") acquired by PRPM 2025-NQM3, LLC (the "Client"). The Review took place in November 2021 – February 2025 on Loans with origination dates in November 2021 – February 2025 on files imaged and provided by the Client or its designee.

**Sample size of the assets reviewed.**

During the securitization review process, the Client may have removed loans that were reviewed by TSG from the securitization for paid-in-full mortgage loans or other undisclosed items to TSG. The final population of the Review included 6 Loans totaling an original principal balance of approximately $6,163,505. The review conducted by TSG covered 100% of the securitization loan population to the best of TSG's knowledge and understanding.

Within this population (the "Residential Population") there were 4 Loans that were reviewed by TSG according to nationally recognized statistical rating organizations (NRSRO(s)) standards. NRSRO standards include guidance for compliance, credit, and valuation, among others.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria, as may be relevant for this securitization, for the NRSRO(s) identified in Item 3 of the ABS Due Diligence-15E.

**Quality of information or data about the assets: review and methodology.**

TSG compared data fields on the bid tape provided by the Client to the data found in the Loan file as captured during the Review. The fields captured varied dependent upon such Loan being in the Residential Population or the SBCRE Population as defined below. Additional detail can be found in the result summary for Data Integrity below.

**NRSRO/RESIDENTIAL POPULATION (40 Fields)**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;PrepaymentPenaltyType |
| &nbsp;&nbsp;ARMinimumInterestRate | &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;PropertyAddress |
| &nbsp;&nbsp;B1BirthDate | &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;PropertyCity |
| &nbsp;&nbsp;B1EmailorInternet | &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;PropertyCounty |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;PropertyState |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;LoanID | &nbsp;&nbsp;PropertyType |
| &nbsp;&nbsp;B1MiddleName | &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;PropertyZipCode |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;QualifyingFICO |
| &nbsp;&nbsp;B1SSN | &nbsp;&nbsp;MaturityDate | &nbsp;&nbsp;QualifyingLTV |
| &nbsp;&nbsp;BaseLoanAmount | &nbsp;&nbsp;NoteDate | &nbsp;&nbsp;Term |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;CreditComments | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;UnderwritingGuidelineProductName |
| &nbsp;&nbsp;CurrentUnpaidBalance | &nbsp;&nbsp;OriginatorDTI |  |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;OriginatorQMStatus |  |

---

![](ex99-14_001.jpg)

**Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

TSG's review was differentiated by the purpose of the loan in question and the guidelines for such loan origination. The description below differentiates between the Residential Population and the SBCRE Population.

**Residential Population (4 Loans)**

TSG reviewed assets at origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable for the Residential Population, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to TSG. As applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file was also performed.

**Credit Application:** For the Credit Application, TSG verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history.

**Credit Report:** TSG's review included confirming that a credit report that met guideline requirements was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, TSG: (i) captured the monthly consumer debt payments for use in required calculations as required by guidelines, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as required by guidelines, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** TSG determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file and where possible, was not fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) Bank Statements.

**Asset Review:** TSG assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, TSG completed a review of large deposits and completed the reserve calculation. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was conducted. During the course of this review, TSG (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgagee clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**Occupancy Review:** TSG confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** As part of the review, TSG verified the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

![](ex99-14_001.jpg)

**Fraud Review:** TSG reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, TSG conditioned the mortgage loan for the missing fraud report product.

If a report was present, TSG reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, TSG confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** TSG's review included a review of the chain of title and the time duration of ownership by the seller or borrower (whichever is applicable) satisfied the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** TSG reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats or other applicable approved formats at the time of origination.

TSG also verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio ("DTI(s)") and/or loan-to-value ratios ("LTV(s)") were used in the assessment of conformity guidelines (if required by loan product guidelines).

Documents reviewed include the following items (\* = where applicable):

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Note | &nbsp;&nbsp;Business License\* | &nbsp;&nbsp;Flood certificates |
| &nbsp;&nbsp;Guaranty Agreement(s)\* | &nbsp;&nbsp;Business P&L's\* | &nbsp;&nbsp;Purchase agreement(s)\* |
| &nbsp;&nbsp;Deed of Trust / Mortgage | &nbsp;&nbsp;Verification of down payment funds/ funds to close / reserve funds\* | &nbsp;&nbsp;Final HUD-1 |
| &nbsp;&nbsp;Non-Owner-Occupancy & Business – Purpose Letter of Intent (LOI) / Letter of Explanation (LOE) | &nbsp;&nbsp;Appraisal Report | &nbsp;&nbsp;Title Search Documentation |
| &nbsp;&nbsp;Final Form 1003 / Loan Application(s) | &nbsp;&nbsp;Broker Price Opinion and market rent addendum\* | &nbsp;&nbsp;Evidence of Hazard / Liability / Flood Insurance coverage |
| &nbsp;&nbsp;Credit Report(s) | &nbsp;&nbsp;Appraisal Review documentation\* | &nbsp;&nbsp;Second mortgage documentation\* |
| &nbsp;&nbsp;Verification of Rent / Mortgage (VOR/VOM) payment history\* | &nbsp;&nbsp;Existing Leases\* | &nbsp;&nbsp;Certification(s) of Business purpose of loan |
| &nbsp;&nbsp;Identification / proof of residency status | &nbsp;&nbsp;Rent History\* | &nbsp;&nbsp;Certification(s) of Non-Owner Occupancy and Indemnity\* |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Environmental reports |  |

---

![](ex99-14_001.jpg)

**Value of collateral securing the assets: review and methodology.**

TSG's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. TSG's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Population), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type, (iv) completed by an appraiser (for residential properties) that was actively licensed to perform the valuation, (v) completed, for residential properties, such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been obtained from the appropriate authorities.

Regarding the use of comparable properties, TSG's review (i) analyzed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and considered whether such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Additional facets of TSG's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client if necessary (iv) confirming the appraisal report does not include any obvious environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to TSG, or if the valuation product was not directly accessible that another valuation product was directly accessible to TSG was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, TSG confirmed consistency among the valuation products. If there were discrepancies identified that could not be resolved, TSG created an exception.

**Residential Population (4 Loans)**

Please be advised that TSG did not determine whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly stated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by TSG are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which TSG is relying in reaching such findings.

Regarding TILA-RESPA Integrated Disclosure ("TRID") testing, TSG implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope"). TSG will work with outside counsel as needed and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While TSG continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. TSG has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per TSG's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that TSG has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by TSG will result in the potential level of risk indicated by an Event Level or NRSRO grade. Please note that investment properties were excluded from TRID testing.

![](ex99-14_001.jpg)

Please be further advised that TSG does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by TSG do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to TSG. Information contained in any TSG report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged TSG to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by TSG are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. TSG does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by TSG.

TSG reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission
notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide the three (3) business
day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial
and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR)
outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

![](ex99-14_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test; and

ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to determine
if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, TSG reviewed
the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement
and/or governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation
agreement and/or governing policies and procedures, TSG's review was limited to formal general statements of entity compliance provided
by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage
loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent.

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained
proof of homeownership counseling in connection with a mortgage loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the mortgage
loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed,
directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of mortgage loan
originator organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage
loan contract, security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current
GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement
service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form
was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

![](ex99-14_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed on the last
GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing
Disclosure Statement form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated
Business Arrangement Disclosure in the mortgage loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm that the list of homeownership
counselling organizations was obtained no earlier than 30 days prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications
on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of
terms or costs provided prior to receipt of a LE contained the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications
on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations based
on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD;

![](ex99-14_001.jpg)

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of Your Home Loan
Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the
borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR)
underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages
(12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R.
1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and
203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages
made by certain creditors (12 C.F.R. 1026.43(f)).

TSG reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). TSG will determine the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, TSG notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, TSG notes if an originator mortgage loan designation was not provided.

**Qualified Mortgage**

With respect to Qualified Mortgage designated mortgage loans, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file and information provided to us by the client regarding Revised QM options chosen by the institution during the optional adoption period from March 1, 2021 through July 1, 2021: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) for loans with application dates prior to July 1, 2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z); for loans with application dates of July 1, 2021 or after, at the interest rate-lock date, that the Price-Based Limitation calculation meets the requirement of the APR not exceeding the APOR for a comparable transaction by 2.25% or more.. This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied the requirements in the preceding paragraph. In addition, TSG reviews the Automated Underwriting System output within the file to confirm agency eligibility.

![](ex99-14_001.jpg)

For each QM designated mortgage loan with an application date prior to July 1, 2021, that satisfied the applicable requirements enumerated above, TSG then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, TSG then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

 

**General Ability to Repay**

TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

 

TSG reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). TSG does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. TSG's review is based on information contained in the mortgage loan file at the time it is provided to TSG to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to
receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

 

**(VI) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(VIII) Federal and state specific late charge and prepayment penalty provisions.**

![](ex99-14_001.jpg)

**(IX) Recording Review**

TSG noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time TSG reviewed the mortgage loans and thus have not yet been recorded. TSG verified that documents in the mortgage loan file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, TSG will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(X) FIRREA Review**

TSG confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, TSG reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

**(XI) Document Review**

TSG reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting
summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit
report;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Income
and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T
and/or 4506C as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset
documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales
contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard
and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy
of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary
Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed
circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Right
of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed
of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible
Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination
Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA
disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice
of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD
from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain
other disclosures related to the enumerated tests set forth herein.

**Item 5. Summary of findings and conclusions of review**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 above.

![](ex99-14_001.jpg)

**OVERALL RESULTS GRADING SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections below, 100% of the Loans by number in the pool possessed a grade of "A" or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;50.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;50.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.0%** |

---

**COMPLIANCE RESULTS SUMMARY**

6 Loans (100%) received an "A" compliance grade. The resulting Compliance Grades for the mortgage loans are as follows:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.0%** |

---

**CREDIT RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;50.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;50.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.0%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.0%** |

---

![](ex99-14_001.jpg)

**DATA INTEGRITY REVIEW RESULTS SUMMARY**

TSG verified data field variances across 40 unique data fields. Some Loans may have exhibited multiple variances which, in some cases, may have resulted from blank data in a submitted data tape. A summary is provided below:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total <br> Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ARMinimumInterestRate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1BirthDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1EmailorInternet | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1MiddleName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;BaseLoanAmount | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25% |
| &nbsp;&nbsp;CreditComments | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;CurrentUnpaidBalance | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanID | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;MaturityDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NoteDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;OriginatorDTI | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;OriginatorQMStatus | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PrepaymentPenaltyType | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyAddress | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyCity | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;16.67% |
| &nbsp;&nbsp;PropertyCounty | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyState | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyType | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyZipCode | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingFICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;QualifyingLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;UnderwritingGuidelineProductName | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |

---

![](ex99-14_001.jpg)

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY**

*The % of Loans totals may not add up to 100% due to rounding.*

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;6.0 | &nbsp;&nbsp;100.0% | &nbsp;&nbsp;$6163505.00 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$6163505.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;6.0 | &nbsp;&nbsp;100.0% | &nbsp;&nbsp;$6163505.00 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$6163505.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$2432270.00 | &nbsp;&nbsp;39.46% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$3731235.00 | &nbsp;&nbsp;60.54% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$6163505.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$3731235.00 | &nbsp;&nbsp;60.54% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$2432270.00 | &nbsp;&nbsp;39.46% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$6163505.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;50.0% | &nbsp;&nbsp;$4211235.00 | &nbsp;&nbsp;68.33% |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;50.0% | &nbsp;&nbsp;$1952270.00 | &nbsp;&nbsp;31.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$6163505.00** | &nbsp;&nbsp;**100.0%** |

---

 

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;TX | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$480000.00 | &nbsp;&nbsp;7.79% |
| &nbsp;&nbsp;FL | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;50.0% | &nbsp;&nbsp;$4279505.00 | &nbsp;&nbsp;69.43% |
| &nbsp;&nbsp;IA | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$765000.00 | &nbsp;&nbsp;12.41% |
| &nbsp;&nbsp;OH | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$639000.00 | &nbsp;&nbsp;10.37% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$6163505.00** | &nbsp;&nbsp;**100.0%** |

---

## Exhibit 99.14

**Exhibit 99.14 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| REDACTED |  | 1 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | 3030 | 8.57 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 2 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | 1795 | 8.429 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33954.08 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 3 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 28335.51 | 10.297 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34560.84 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 4 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 2440 | 9.795 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 61404.24 | Yes | Employed |  | No |  | No |  |
| REDACTED |  | 5 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | Yes | N/A | Yes | No | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 6 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.14

**Exhibit 99.14 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| REDACTED |  | 1 B A | Closed | FCRE4989 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material B | Credit | Closing | Collections, liens or judgments not paid at closing | Acknowledged-Exception Approval in file to allow REDACTED rate-term with chargeoffs remaining open/unpaid. - Due Diligence Vendor-REDACTED |  | Acknowledged-Exception Approval in file to allow REDACTED rate-term with chargeoffs remaining open/unpaid. - Due Diligence Vendor-REDACTED  |  | REDACTED |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes |
| REDACTED |  | 2 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA |  |  |
| REDACTED |  | 3 C A | Closed | finding-3635 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-COC received - page 9 of submission - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached, page 9 is the COC form.<br> Thanks! - Buyer-REDACTED <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($REDACTED) exceed the comparable charges ($REDACTED) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). THERE WAS NO REDACTED DISCLOSED ON THE INTITIAL LE. A REDACTED WAS DISCLOSED AS REDACTED A REDACTED WAS DISCLOSED AS REDACTED AND A REDACTED DISCLOSED AS REDACTED ON THE FINAL CD. THE REDACTED INCREASED BY REDACTED AND THE REDACTED INCREASED BY REDACTED FROM THE INITAL LE TO THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED |  | Resolved-COC received - page 9 of submission - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 3 C A | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - page 9 of submission - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached, page 9 is the COC form.<br> Thanks! - Buyer-REDACTED <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED .Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). POINTS WERE DISCLOSED IN THE AMOUNT OF $REDACTED ON THE INITIAL LE. POINTS INCREASED TO $REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. THE REDACTED WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE REDACTED INCREASED TO THE AMOUNT OF $REDACTED ON THE FINAL CD. A LENDER CREDIT OF $REDACTED WAS ISSUED TO CURE THE INCREASE. - Due Diligence Vendor-REDACTED |  | Resolved-COC received - page 9 of submission - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 3 C A | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - page 9 of submission - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached, page 9 is the COC form.<br> Thanks! - Buyer-REDACTED <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. THERE WAS NO REDACTED DISCLOSED ON THE INTITIAL LE. A REDACTED WAS DISCLOSED AS $REDACTED A REDACTED WAS DISCLOSED AS $REDACTED AND A REDACTED DISCLOSED AS $REDACTED ON THE FINAL CD. THE REDACTED INCREASED BY $REDACTED AND THE REDACTED INCREASED BY $REDACTED FROM THE INITAL LE TO THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. POINTS WERE DISCLOSED IN THE AMOUNT OF $REDACTED ON THE INITIAL LE. POINTS INCREASED TO $REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. THE REDACTED WAS DISCLOSED AS $REDACTED ON THE INITIAL LE. THE REDACTED INCREASED TO THE AMOUNT OF $REDACTED ON THE FINAL CD. A LENDER CREDIT OF $REDACTED WAS ISSUED TO CURE THE INCREASE. THE REDACTED WAS DISCLOSED AS $REDACTED ON THE INITIAL LE. THE REDACTED INCREASED TO THE AMOUNT OF $REDACTED ON THE FINAL CD. A LENDER CREDIT OF $REDACTED WAS ISSUED TO CURE THE INCREASE. - Due Diligence Vendor-REDACTED |  | Resolved-COC received - page 9 of submission - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 4 C A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title with updated coverage amount received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see correct title with the updated Loan amount of REDACTED <br> Thanks! - Seller-REDACTED <br> Open-Title Coverage Amount of $REDACTED is Less than Total Amount of Subject Lien(s) - Title Coverage Amount of $REDACTED is Less than Total Amount of Subject Lien of $REDACTED . - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see correct title with the updated Loan amount of REDACTED <br> Thanks! - Seller-REDACTED  | Resolved-Title with updated coverage amount received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 4 C A | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Prior 12+ months housing history verified. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hello,<br> Please see attached. The most recent rental history, and then the past mortgage payments for the hold that was sold are attached. <br> Thanks! - Buyer-REDACTED <br> Counter-Settlement statement from prior home does not show payment history. Please provide payment history on prior home mortgage to show 12 months history. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached settlement statement for the sale and VOM.<br> Thanks! - Buyer-REDACTED <br> Open-Borrower explanation - pg 94 - references selling the prior home at REDACTED VOM on that mortgage prior to sale needed to verify payment history. - Due Diligence Vendor-REDACTED |  | Resolved-Prior 12+ months housing history verified. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 4 C A | Closed | finding-3652 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached COC CD.<br> Thanks! - Seller-REDACTED <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($REDACTED) does not exceed or equal the comparable sum of specific and non-specific lender credits ($REDACTED). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). A LENDER CREDIT OF $REDACTED WAS DISCLOSED ON THE INITIAL CD DATE REDACTED . THE LENDER CREDIT DECREASED TO $REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see the attached COC CD.<br> Thanks! - Seller-REDACTED  | Resolved-COC received - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Purchase | NA | N/A | N/A |
| REDACTED |  | 5 B A | Closed | FCRE1148 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material B | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Acknowledged-Coverage not contained in commitment, but acknowledge full coverage. Final title policy to include coverage amount. - Due Diligence Vendor-REDACTED <br> Open-Title Coverage Amount of $REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED |  | Acknowledged-Coverage not contained in commitment, but acknowledge full coverage. Final title policy to include coverage amount. - Due Diligence Vendor-REDACTED  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 6 B A | Closed | FCRE1148 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material B | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Acknowledged-Coverage not contained in commitment, but acknowledge full coverage. Final title policy to include coverage amount. - Due Diligence Vendor-REDACTED <br> Open-Title Coverage Amount of $REDACTED is Less than Total Amount of Subject Lien(s) Note amount of REDACTED vs. Title amount of REDACTED - Due Diligence Vendor-REDACTED |  | Acknowledged-Coverage not contained in commitment, but acknowledge full coverage. Final title policy to include coverage amount. - Due Diligence Vendor-REDACTED  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |

---

## Exhibit 99.14

**Exhibit 99.14 Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Original Loan Amount** |
| REDACTED |  | 1 | REDACTED B |
| REDACTED |  | 2 | REDACTED |
| REDACTED |  | 3 | REDACTED |
| REDACTED |  | 4 | REDACTED |
| REDACTED |  | 5 | REDACTED B |
| REDACTED |  | 6 | REDACTED B |

---

## Exhibit 99.14

**Exhibit 99.14 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| REDACTED |  | 1 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 2 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | -.0444 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 3 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 4 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 5 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED |  |  |  |  | REDACTED | REDACTED | .0000 | Desk Review | REDACTED | REDACTED | .0783 | REDACTED | REDACTED |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 6 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  | REDACTED | REDACTED | .0400 | REDACTED | REDACTED |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |

---

## Exhibit 99.14

**Exhibit 99.14 Schedule 5**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Marketing ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| REDACTED |  | 1 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 2 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 2 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 3 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 4 | REDACTED | Property City | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | 4 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 5 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 6 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 6 | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED |  |

---

## Exhibit 99.15

**Exhibit 99.15**

![](ex99-15_001.jpg)

PRPM 2025-NQM3

Opus Capital Markets Consultants, LLC

300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**July 1, 2025**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**PRPM 2025-NQM3, LLC**

The report summarizes the results of a due diligence review performed on a pool of 21 loans, of which were purchased by PRPM 2025-NQM3, LLC ("Customer") from clients of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac and Paragon underwriting software. Consultant performed a detailed review of all loans.

As detailed herein, the pool contains six (6) NQM loans, two (2) QM APOR Safe Harbor loans, one (1) QM APOR Higher Priced loan and twelve (12) ATR/QM Exempt loans, of which six (6) are DSCR loans. There are seven (7) loans eligible for GSE delivery and were underwritten to the AUS provided in the loan file. Loans were re-underwritten to the lender guidelines under the terms of Exhibit A..

**EXHIBIT A**

**Credit Review**

**Credit Qualification**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

a) **Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In lieu of specific requirements,
Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements of Regulation Z and
Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

b) **Employment:** Review the file documentation for minimum
required level of employment, income and asset verifications pursuant to Client provided underwriting guidelines.

c) **Income:** Recalculate borrower(s) monthly gross income
and verify calculations of income as used by the original loan underwriter at origination to determine compliance with the Client provided
underwriting guidelines.

d) **Assets:** Confirm the presence of adequate asset documentation
to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity.

e) **Debt Ratio:** Recalculate the debt to income ratio
and verify the ratio accuracy used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines
and regulatory requirements.

f) **Property Valuation:** Analyze all appraisals and alternative
value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness
of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

g) **Loan-to-Value Ratio:** Recalculate and verify the
loan-to-value ratio and combined loan-to-value ratio were accurate at origination and meet Client provided underwriting guideline and
regulatory requirements.

h) **Credit History:** Review the credit report to verify
that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

i) **Credit Scores**: Verify that borrower(s) meet minimum
credit score requirements of the Client provided underwriting guidelines.

j) **Compensating Factors:** Verify exceptions to the Client
provided underwriting guidelines are documented and reasonable.

**Document Review**

**Document Review**

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

**a) Collateral Docs**

&nbsp;&nbsp;&nbsp;&nbsp;• Title Commitment / Policy: Verify the presence of the title
commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

&nbsp;&nbsp;&nbsp;&nbsp;• Mortgage Note / Security Instrument: Verify the presence
of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums
and endorsement are present and duly executed.

&nbsp;&nbsp;&nbsp;&nbsp;• Mortgage / Deed of Trust: Verify the presence of a copy Mortgage
or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are
present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the
title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of
the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from
an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the
date the document was sent for recording.

&nbsp;&nbsp;&nbsp;&nbsp;• Conveyance Deed: Verify as applicable that a proper conveyance
deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

**b) Closing Docs**

&nbsp;&nbsp;&nbsp;&nbsp;• Final Hud-1 Settlement Statement: If required, verify the
presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

&nbsp;&nbsp;&nbsp;&nbsp;• Final Truth-in-Lending Disclosure: If required, verify the
presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

&nbsp;&nbsp;&nbsp;&nbsp;• Notice of Right to Cancel: If required based on the specifics
of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

&nbsp;&nbsp;&nbsp;&nbsp;• Loan Estimate: If required verify the presence of the current
Loan Estimate (LE) at the time of origination

&nbsp;&nbsp;&nbsp;&nbsp;• Closing Disclosure: If required verify the presence of the
current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs**

&nbsp;&nbsp;&nbsp;&nbsp;• Loan Application: Verify the presence and completeness of
both the initial and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;• Underwriting Worksheet: Verify the presence of the relative
underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

&nbsp;&nbsp;&nbsp;&nbsp;• Credit Report: Verify the presence of a credit report for
each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting
guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;• Housing Payment History: In the absence of housing payment
histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage
form.

&nbsp;&nbsp;&nbsp;&nbsp;• Letters of Explanation: When Letters of Explanation are required
by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;• Gift Letters: When Gift Letters are required by the Client
provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;• Income Documentation: Verify the presence of income and employment
related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt
ratio calculation.

&nbsp;&nbsp;&nbsp;&nbsp;• Asset Documentation: Verify the presence of asset documentation
required by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;• Property Valuation Tools: Verify that each loan file contains
adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided
underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;• Proof of Insurance: Verify the presence of insurance certificates
for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage
is present to meet the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance**

Each mortgage loan file will be subject to a post-closing regulatory compliance review to verify that each mortgage loan closed in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan and that the loans meet the applicable disclosure requirements provided under (i) the federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending. The review is conducted using both Paragon and Compliance Ease.

If applicable, the regulatory compliance review will be conducted in line with the most recently dated Structured Finance Association (SFA) TRID Compliance Review Scope.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Federal Truth in Lending Act/Regulation Z:** 

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Federal Truth in Lending Act/ Regulation Z:** 

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s). Further, a review of proper rescission model form usage will be conducted in accordance with Circuit Court ruling methodology related to use of the H8 vs. H9 forms on same lender rescindable transactions. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Wipro Opus will note in the condition whether or not there was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Business
Days as Defined by Regulation Z

General business day is defined as the days on which a creditor's offices are open to the public for carrying on substantially all of its business functions excluding Sundays and holidays specified by §1026.2(a)(6). Specific business day is defined as all calendar days (Monday through Saturday) excluding Sundays and holidays specified by 5 U.S.C. 6103(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**c)** **MDIA (Mortgage Disclosure Information Act) - Applications Dated After 07/30/2009 and Prior to 10/03/2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Initial
Delivery: Creditor must deliver the Initial Disclosures within 3 "general" business days of application

ii) No Pre-disclosure Fees: Creditor may not charge fees, other than credit report fee, prior to borrower receiving the Initial Disclosures

iii) 7 Day Waiting Period: Creditor must deliver the Initial Disclosures more than 7 "specific" business days prior to closing

iv) 3 Day Waiting Period: Creditor must issue revised disclosures if APR in initial disclosures becomes inaccurate. Closing may not occur until the 3rd "specific" business day after the consumer receives the corrected disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) APR
on Final TIL: APR on Final TIL must be within tolerance 1/8 or ¼ of percent difference in APR based on regular or irregular payment
stream.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Home Ownership Equity Protection Act (HOEPA) testing, to include:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR test [HOEPA (§1026.32(a)(1))] ]

ii) If missing initial application, missing initial application date or missing rate lock confirmation results in inability to determine application date or rate set date for purposes of high cost / higher-priced mortgage loan testing, vendor will test based on: (1) a six-month window prior to closing date for missing application date; and (2) all dates between application and closing for missing rate set date. A condition should be set to identify that the application date or rate lock date is missing and that alternative (look-back) testing was utilized. Other evidence in the file (e.g. date of initial disclosures, rate lock expiration on GFE) may be relied upon to estimate application or rate set date but will be determined by the Client on a case by case basis.

iii) Points and Fees test [HOEPA (§1026.32(a)(2))]

iv) Review of HOEPA disclosure (§1026.32(c)) for accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) Review and confirm documentation type (i.e. full, stated,
no ratio)

vi) Review for evidence of prepayment penalty

vii) Verification of Debt to Income conformity, when necessary.

HOEPA (Section 32) loan coverage has been expanded to include purchase-money mortgages and open-end credit plans (i.e., home equity lines of credit or HELOCS), as well as the amendment of rate and points and fees threshold testing. Consultant system requirements have been updated to address the expansion of coverage as well as amendments to threshold testing. In addition, there is a homeownership counseling requirement to be verified for all covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Federal Higher Priced Mortgage Loan Testing**, to
include:

HPML(§1026.35(a)(1))] - A loan will be considered a Higher Priced Mortgage Loan if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on Conforming First Liens, 2.50% for Jumbo First Liens and 3.50% or more percentage points on Second Liens.

Escrow Requirement - Loans that fall under the guidelines of a Higher Priced Mortgage Loan (HPML) will require escrow accounts to be in place for the first five years of the transaction. A loan will be considered a Higher Priced Mortgage Loan based on the guidelines shown above (HPML Testing – APR)

HPML Appraisal Rule - An HPML designation also requires additional appraisal requirements. Requirements include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Three-day disclosure from application of the right to a
free copy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written appraisal from certified or licensed appraiser

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interior inspection

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Delivery of copies no later than three days prior to consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If the property falls under the 'flipping'
definition, a second appraisal is required and must document:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The difference in the original sales price and the subsequent
sales price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Changes in market conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property improvements

There is additional responsibility for providing copies of ALL documentation used in the valuation of the property, not just the final appraisal, and requirements for full appraisals, versus other forms of valuations. System enhancements have also been made to require verification of documentation and acknowledgement by the reviewer of evidence supporting the new requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**f)** **RESPA/Regulation X** (Loans with an Application Date
prior to 10/03/2015):

Each mortgage loan will be reviewed to ensure compliance with the January 1, 2010, or most current amendments to Regulation X. The RESPA/Regulation X review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Good Faith Estimate (GFE):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consultant will confirm compliance with current RESPA requirements
in effect at origination of the Mortgage Loan including the presence of the current GFE form in effect at the time of origination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Verify the GFE was provided to the borrower(s) within three
days of "Application".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application shall be defined by Regulation X and generally
be considered complete when the following seven conditions are met:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Borrower(s) First and Last Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Borrower(s) Social Security Number (to enable the loan
originator to obtain a credit report)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Subject Property Address (including "To Be Determined")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Mortgage Loan Amount Sought

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Estimation of Property Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Monthly Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Any other requirement as defined in the lender's
policies and procedures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consultant will verify that all Broker fees, including
Yield Spread Premium ("YSP") were accurately disclosed and reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fees will be reviewed to ensure they are reasonable and
customary fees for the lender and title and escrow companies and that those fees were accurately disclosed on the GFE and were reflected
in the proper location on the document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to determine whether a Changed Circumstance form
is required to accompany each revised Good Faith Estimate (GFE)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Change of Circumstance Definition:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Acts of God, war, disaster or other emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Information particular to borrower or transaction that
was relied on in providing the GFE and that changes or is found to be inaccurate after GFE has been provided to borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. New information particular to the borrower or transaction
that was not relied on in providing the GFE; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Other circumstances that are particular to borrower or
transaction, including boundary disputes, need for flood insurance or environmental problems

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. In the event any of the above occurs, the loan originator
is required to provide a new revised GFE to the borrower within 3 business days of receiving information sufficient to establish "changed
circumstances" and document the reason the revised GFE was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Rate Locks: If the rate has not been locked by the borrower
or a locked rate has expired, the charge or credit for rate chosen, adjusted origination charges, per diem interest and loan terms related
to the rate may change. If borrower later locks the rate, a new GFE must be provided showing the revised rate-dependent charges and terms.
All other charges and terms must remain the same as on the original GFE, except as otherwise provided above for "changed circumstances."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final HUD-1: Consultant will confirm compliance with current
RESPA requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the current applicable Final HUD-1
form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Final HUD-1 accurately lists all broker and
YSP fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Good Faith Estimate (GFE) and Final HUD-1 Analysis: Confirm
compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Analysis of Origination fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (no variance) - No variance for the following charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Credit or Charge for Interest Rate Chosen

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Adjusted Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Transfer Taxes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (2) Analysis of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement for sum of following services:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Lender-required settlement services (lender selects third-party
provider);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Lender-required services, title services and required title
insurance, and owner's title insurance, when the borrower uses a settlement service provider identified by the loan originator;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Government recording charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm all fees are accurately reflected in
the correct tolerance category on the Good Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm lender accurately provided borrower
adequate restitution in the event of tolerance violations and timelines for restitution/document correction were adhered to

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm loan terms are accurately disclosed
between the Good Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analysis to confirm page 3 of the HUD-1 accurately reflects
fees disclosed on the Good Faith Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**g)** **QM / ATR (QUALIFIED MORTGAGE/ABILITY TO REPAY) DODD FRANK REVIEW** 

**(LOANS WITH APPLICATION DATE ON OR AFTER 01/10/2014) Covers Legacy QM Rules (applications on or after 01/10/2014); elective compliance date of Revised QM Rules (applications on or after 3/1/2021); mandatory date of Revised QM Rules for GSE Purchase/Securitization (applications on or after 7/1/2021); and mandatory date of Revised QM Rules (applications on or after 10/1/2022)**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1)** **QM/ATR (Qualified Mortgage/Ability to Repay)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a.** **Ability to Repay** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consultant
will incorporate checkpoints for the ATR's eight verification steps for any origination QC work. Consultant has the option to run
ATR checks on any transactions subject to QM that fall outside the ability to meet QM guidelines, whether due to coverage exceptions
or due to failing QM criteria. Thus, any transaction that is being tested for QM will also have the ability to be screened for ATR if
the QM testing fails or the loan is exempt from QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consultant is required to verify
all information within the scope of the eight verification steps before an ATR loan can pass. These eight tests include verifications
of any amounts used in the loan consideration and a page(s) reference to the third-party records/documentation/images

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Income and Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly qualifying payments
for the proposed loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous
loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payment for mortgage
related obligations for the proposed loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony and child support

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Qualifying monthly DTI and/or
residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. If all of the verifications
are made and each of the eight topic areas is confirmed to agree with the representations made by the lender, and there are no credit
exceptions to the lender's guidelines, the loan will pass the ATR test. If any of the conditions fail or the loan lacks the documentation
to support the stated values in any of the areas, affected items will not be considered verified and the loan will be subject to failing
the ATR test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. ATR results will be reported
as ATR-Pass. ATR-Fail and ATR-Exempt. This is in addition to existing credit and compliance related reporting by the Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b.** **Qualified Mortgage** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Consultant's scope includes
review of all available QM types:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Legacy QM (for applications
taken on or after January 10, 2014 until September 30, 2022);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Revised QM (for applications
taken on or after March 1, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Agency QM (for applications
taken on or after January 10, 2014 until June 30, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Agency QM with APOR (for applications
taken on or after July 1, 2021); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Government QM (for applications
taken on or after January 10, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2)** **Generally Applicable Factors** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The
following factors are reviewed for Legacy, Revised, and Agency QM categories:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. REGULAR PAYMENTS. Provides for regular periodic payments
that are substantially equal, except for the effect of certain interest rate changes for adjustable or step rates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. TERM. Loan term does not exceed 30 years.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. POINTS AND FEES. Points and fees do not exceed the applicable
threshold for the appropriate loan amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(3)** **QM Rules Points and Fees Testing** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Points
and fees include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance charges, unless excluded;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The portion of upfront private mortgage insurance that
exceeds FHA premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Loan originator compensation – Compensation/YSP known
at the time of the consummation will be included but Consultant does not review lender or broker compensation programs as part of its
QM testing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Real estate-related fees if the creditor receives direct
or indirect compensation in connection with the fee or charge, the fee or charge is paid to a creditor affiliate or the fee or charge
is not reasonable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Premiums for credit insurance, credit property insurance,
and other insurances where the creditor is the beneficiary, debt cancellation or suspension coverage payments;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Maximum prepayment penalty; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Prepayment penalty paid in a refinance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Points and fees exclude:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Interest;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Bona fide third-party charges not retained by the creditor;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Government mortgage insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Private mortgage insurance premiums up to an amount equal
to government insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Up to two bona fide discount points if the interest before
the discount does not exceed APOR by 1% based on a calculation that is consistent with established industry practices for determining
the amount of reduction in the interest rate or time-price differential appropriate for the amount of discount points paid by the consumer;
if no discount points excluded up to one bona fide discount point if the loan's interest rate before the discount does not exceed
APOR 2%; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Sellers points

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. A loan is a QM loan if the points and fees do not exceed
(values marked with "\*" are indexed for inflation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3 percent of the total loan amount for a loan greater than
or equal to $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. $3,000\* for a loan greater than or equal to $60,000\* but
less than $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 5 percent of the total loan amount for a loan greater than
or equal to $20,000\* but less than $60,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. $1,000\* for a loan greater than or equal to $12,500\* but
less than $20,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. 8 percent of the total loan amount for a loan less than
$12,500\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(4)** **Legacy QM** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above,
all Legacy QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Monthly Payment. The amount of the monthly payment on the
loan is calculated using the maximum rate that may apply during the first five years and considers the monthly payment for simultaneous
loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Appendix Q. Considers and verifies income, assets, employment,
and debts in accordance with Appendix Q.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. DTI. The DTI ratio of total monthly debt to total monthly
income does not exceed 43 percent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Verified. Only verified amounts will be included in the
QM debt-to-income test - verified income and assets, loan and simultaneous loan payments, insurance, taxes and HOA, alimony, child support
and open debts. The calculated value will be the verified debts divided by the verified income represented as a ratio, with amounts less
than or equal to 43.00% passing, and anything above 43.00% failing. Failing this test also results in returning an overall QM status of
Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(5)** **Revised QM** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above,
all Revised QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **Monthly Payment.** The amount of the monthly payment
on the loan is calculated using the maximum rate that may apply during the first five years and considers the monthly payment for simultaneous
loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Consider and Verify.** The creditor must consider
and verify the consumer's current or reasonably expected income or assets other than the value of the dwelling (including any real
property attached to the dwelling) that secures the loan, debt obligations, alimony, child support, and debt-to-income ratio or residual
income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. **Consider.** As part of the "consider"
requirement, Consultant will review the (a) creditor's policies and procedures provided by Client, as well as any exceptions thereto,
for how the creditor takes into account the underwriting factors enumerated above, and (b) the documentation retained by creditor, such
as an underwriting worksheet or a final automated underwriting system certification in combination with the
creditor's applicable underwriting standards and any applicable exceptions described in its policies and procedures , showing
how the creditor took these factors into account in its ability-to-repay determination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **Verify**. Creditor is deemed to have complied with
the "verify" requirement if it complies with the verification standards in one or more of these following agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Chapters B3-3 through B3-6 of the Fannie Mae Single Family
Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sections 5102 through 5500 of the Freddie Mac Single-Family
Seller/Servicer Guide, published June 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's
Single-Family Housing Policy Handbook, issued October 24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Chapter 4 of the U.S. Department of Veterans Affairs'
Lenders Handbook, revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Chapter 4 of the U.S. Department of Agriculture's
Field Office Handbook for the Direct Single Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Chapters 9 through 11 of the U.S. Department of Agriculture's
Handbook for the Single-Family Guaranteed Loan Program, revised March 19, 2020.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. For purposes of compliance with the requirement to verify
through reasonably reliable third-party records, a creditor need only comply with those provisions in the manuals that require creditors
to verify income, assets, debt obligations, alimony and child support using specified documents or to classify and count particular inflows,
property, and obligations as income, assets, debt obligations, alimony, and child support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Revised versions of manuals. A creditor also complies with
the verification requirement where it complies with revised versions of the manuals listed above, provided that the two versions are "substantially
similar."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. The Revised QM Rule permits the creditor to "mix
and match" verification standards from different agency manuals. Consultant will test the creditor's "verification"
of third- party records in instances when the creditor either uses (a) its own procedures or alternatively, (b) the verification standards
of one or more of the agency handbooks listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Note: the creditor (or client, as the case may be,) must
provide written policies and procedures and related documentation such as underwriter worksheets in order for Consultant to review loans
under the Revised QM Rules, and in particular, with regard to the "consider" and "verify" requirements. Further,
if the creditor (or client, as the case may be) intends to use the verification safe harbor, its written policies and procedures must
specify the precise agency handbook(s) that it is relying on with specific references to the particular provisions addressing income,
assets, debt obligations, alimony and child support using specified documents or to classify and count particular inflows, property, and
obligations as income, assets, debt obligations, alimony, and child support – as well as the specific dates(s) of the agency handbook(s)
issuance, publication or revision. In addition, Consultant is not responsible for determining whether revised versions of the manuals
listed above are "substantially similar" for purposes of the verification safe harbor; such a determination of the sole responsibility
of the creditor (or client, as the case may be).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Note: due to the inherent subjectivity of the foregoing
"consider" and "verify" requirements, Consultant will review the creditor's (or client's, as the case
may be) (i) policies and procedures and worksheets and (ii) methods and criteria for verification of income and assets (regardless of
whether the "safe harbor" is utilized) for content only, and will not opine whether such policies and procedures, worksheets
and verification methods and criteria themselves comply with applicable law, and cannot guarantee that a court, governmental regulator,
rating agency or another third party diligence provider would reach the same conclusions using such work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. APR-APOR Spread and Loan Thresholds.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The APR on the loan does not
exceed APOR for a comparable transaction as of the date the interest rate is set the following loan amount thresholds (values marked with
"\*" are indexed for inflation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For a first-lien loan with
a loan amount greater than or equal to '$110,260,\* 2.25 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For a first-lien loan with
a loan amount greater than or equal to $66,156\* but less than $110,260\*, 3.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For a first-lien loan with
a loan amount less than $66,156,\* 6.5 or more percentage points;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For a subordinate-lien loan
with a loan amount great than or equal to $66,156\*, 3.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. For a subordinate-lien loan
with a loan amount less than $66,156\*, 6.5 or more percentage points; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For a first-lien loan secured
by a manufactured home with loan amount less than $110,260\*, 6.5 or more percentage points.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. **Short Term ARMs.** The
APR used on short term ARMs of five years or less uses the maximum rate in the first five years for the entire term of the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**iv.** **ATR Presumptions for Revised QM Rules** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Safe Harbor. For first-lien transactions, a loan receives
a conclusive presumption that the consumer had the ability to repay (and hence receives the "safe harbor" presumption of QM
compliance) if the APR does not exceed the APOR for a comparable transaction by 1.5 percentage points or more as of the date the interest
rate is set.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Higher Priced. A first-lien loan receives a rebuttable
presumption that the consumer had the ability to repay if the APR exceeds the APOR for a comparable transaction by 1.5 percentage points
or more but by less than 2.25 percentage points. There are higher thresholds for loans with smaller loan amounts, for subordinate-lien
transactions, and for certain manufactured housing loans—all of which will be tested by Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(6)** **Agency QM/ Temporary Qualified Mortgage (TQM) covered by the GSE Patch** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. In addition to the Generally Applicable Factors above,
all Agency QM loans must be eligible for sale to Fannie Mae or Freddie Mac. The selling guides for the agencies include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Disposable Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(7) **Agency QM with APOR/ General Qualified Mortgage (QM) testing.** Meets the test for "Agency QM" and the APOR test applicable for Revised QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(8)** **Government QM/ General Qualified Mortgage (QM) Testing** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A Government QM is defined as a qualified mortgage by the
U.S. Department of Housing and Urban Development under 24 CFR 201.7 and 24 CFR 203.19, the U.S. Department of Veterans Affairs under 38
CFR 36.4300 and 38 CFR 36.4500, or the U.S. Department of Agriculture under 7 CFR 3555.109. The guidelines include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Disposable Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(9)** **QM/ATR Reporting (Covers both Legacy and Revised QM Rules as Applicable)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For QM/TQM testing, the results of the debt-to-income test
(Legacy QM), APR-APOR spread test (Revised QM), or guideline review (TQM) and the Points and Fees test will result in the following available
compliance conditions as requested by the rating agencies:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• QM/TQM-ATR Pass / Non-HPML [QM or TQM – Pass / HPML – No]

• QM/TQM-ATR Pass / HPML [QM or TQM – Pass / HPML – Yes]

• ATR Fail / Non-HPML [QM or TQM – Fail / HPML – No]

• ATR Fail / HPML [QM or TQM - Fail / HPML – Yes]

• NonQM / Compliant [NonQM or TQM Loan, Exempt / ATR – Compliant]

• NonQM / Noncompliant [NonQM or TQM Loan, Exempt / ATR –Noncompliant]

• Not Covered – / Exempt [QM or TQM – Exempt / ATR – Exempt]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For Revised QM Rules testing, the following results will
be provided to establish Verified Safe Harbor designation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• VSH Confirmed [Verified Safe Harbor]

• NVSH Confirmed [Not Verified Safe Harbor]

As with ATR testing, these QM results are in addition to the existing credit and compliance related reporting currently performed by Consultant. Customized reporting is available based on mutual agreement on individual Customer needs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(10)** **Legacy and Revised QM Rules** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Current testing for Higher Priced Covered Transactions
will be performed using one of two formulas, normal QM and FHA TQM. For QM, a loan will be considered a Higher Priced Covered Transaction
if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on conforming First Liens and 3.50% or more percentage
points on Second Liens. For FHA TQM, the formula is modified to be the Average Prime Offer Rate plus 1.15%, plus the monthly MI premium
factor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**h)** **Regulatory Compliance Disclaimer** 

Please be advised that Consultant will not make a determination as to whether loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated herein. There can be no assurance that the review uncovered all issues relating to the origination of the mortgage loans, their compliance with applicable law and regulation and the original appraisals relating of the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Consultant are dependent upon its receiving complete and accurate data regarding the mortgage loans from loans originators and other third parties upon which Consultant is relying in reaching such findings.

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**i)** **Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**TRID**

1) TILA RESPA Integrated Disclosure Statement of Work

**Eligibility**

The following criteria are used in determining whether TRID applies:

&nbsp;&nbsp;&nbsp;&nbsp;• The Application Date is October 3, 2015, or later (the earlier
of the date the broker or lender received the borrower's application).

&nbsp;&nbsp;&nbsp;&nbsp;• The Loan Purpose and Property Type includes a closed-end
mortgage secured by real estate:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Purchase

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Refinance (Cash Out or Rate Term)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Construction and Construction to Permanent Financing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o SFR, 1-4 Unit, PUD, Condo and Coops (Coop may be excluded
based on Client instructions)

&nbsp;&nbsp;&nbsp;&nbsp;• The Loan Purpose and Property Type does not include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o HELOCs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Reverse mortgages

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Dwellings that are not attached to real property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mobile homes, where the consumer does not own the land,

&nbsp;&nbsp;&nbsp;&nbsp;• For purposes of determination of Occupancy, TRID applies
to loans for owner occupied, second home and vacant land.

&nbsp;&nbsp;&nbsp;&nbsp;• Wipro Opus will apply the standard exemptions from TILA,
i.e., business purposes loans, loans for agricultural purposes and loans secured by five (5) or more units.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Please be aware that TILA contains a TRID-specific exemption for certain subordinate lien loans for the purposes of various types of assistance programs such as down payment or closing cost, property rehabilitation, energy efficiency or foreclosure avoidance or prevention. Wipro Opus will not test such loans for TRID compliance.

**Loan Estimate (″LE″)**

1. Initial
LE

&nbsp;&nbsp;&nbsp;&nbsp;• Verification of compliance with timing requirements as to
whether the Initial LE was delivered within three (3) business days from the Application Date. The Initial LE shall use the delivery
date to calculate the earliest closing Consummation Date (no less than seven (7) business days from the delivery of the Initial LE).
The delivery date is the date the creditor hand delivers the disclosures or places the disclosures in the mail, 1026.19(e)(1)(b) If the
LE does not contain a signature line for the consumer's confirmation of receipt, then Wipro Opus will look for the "Loan
Acceptance" statement under "Other Considerations" or other client-documented acknowledgement and borrower intent to
proceed.

&nbsp;&nbsp;&nbsp;&nbsp;• Verification that the correct form is used and all sections
of the Initial LE are completed (no blanks, "NA's" or incomplete sections) and the Initial LE is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;• Verification of the technical formatting of the LE is NOT
included in the standard review. The formatting of the document is the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;• General loan information and loan terms sections completed
and formatting is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
loan term, purpose, and product descriptions follow the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
all applicants applying for credit, as disclosed on the application, are listed on the LE

&nbsp;&nbsp;&nbsp;&nbsp;• "Can this amount increase after closing?" and
"Does the loan have these features" sections are completed and are accurate based on the terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;• If rate is locked, were lock expiration date, time and time
zone disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;• Settlement charges good through date, time and time zone
disclosed with minimum of 10 days during which borrower is permitted to shop knowing fees are locked during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;• Projected Payments and Estimated Taxes, Insurance & Assessments
sections are complete and accurate based on the loan terms and information known at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;• The Closing Costs and Cash-to-Close sections are complete
and accurate based on the information provided on page 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;• Fees disclosed properly (alphabetical order within Section
with certain exceptions, and all title fees start with ″Title – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;• It is recommended that an Itemization of Fees is provided
for any fees disclosed as "Aggregate". It is quite difficult to determine if the fees are disclosed properly without this
information.

&nbsp;&nbsp;&nbsp;&nbsp;• Any addenda found in file listing ADDITIONAL fees for sections
other than Section C

&nbsp;&nbsp;&nbsp;&nbsp;• If Interest Only Payments, Optional Payments, Step Payments,
or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed and accurate based on early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;• If ARM or Step Rate, is Adjustable Interest Rate (″AIR″)
Table disclosed and accurate based on the early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;• The Comparison section is complete and accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;• In 5 Years calculations for Total of Payments (TOP) and Total
Principal Paid are accurate based on the terms and fees disclosed on page 1 and 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;• APR is accurate within tolerance based on the terms disclosed
on the LE

&nbsp;&nbsp;&nbsp;&nbsp;• Total interest Percentage (TIP) is accurate based on the
loan terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;• Rounding rules verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;• Other Considerations Section is complete

2. Revised
LEs

If there has been a revision to the LE, validate that the Revised LE is provided within three (3) days of COC, BRC or interest rate lock. Review as necessary for sufficient information to establish one of the six (6) valid reasons to reset tolerance fees set forth in TRID:

○ Changed Circumstance affecting settlement charges

○ Change Circumstance affecting eligibility

○ Revisions requested by the consumer

○ Interest rate dependent charges

○ Expiration of the LE and

○ Delayed settlement date on a construction loan

○ Timing Requirement for LE 7 days prior to consummation

3. Determination
of Final Binding LE

&nbsp;&nbsp;&nbsp;&nbsp;• Review and analyze each LE in file to determine final Binding
LE. If there is a change in loan terms, change in interest rate or increase in charges subject to variances without valid reason for
a Revised LE as set forth above, findings will be cited. If a Revised LE was issued without a valid reason, the previous valid LE would
be considered the Binding LE for the purposes of comparison with the Closing Disclosure. [Also see Variance Tests and Closing Disclosure
for COC/BRC events disclosed after issuance of Initial CD]

&nbsp;&nbsp;&nbsp;&nbsp;• Verification of compliance with timing requirements that
there have been no loan estimates provided to the borrower after a Closing Disclosure has been delivered, and whether the Final LE was
provided at least four (4) business days prior to the closing Consummation Date.

If the LE does not contain a signature line for the consumer's confirmation of receipt, then Wipro Opus will look for the "Loan Acceptance" statement under "Other Considerations" or other client-documented acknowledgement and borrower intent to proceed.

&nbsp;&nbsp;&nbsp;&nbsp;• Verification that the correct form is used and all sections
of the Initial LE are completed (no blanks, "NA's" or incomplete sections) and the Initial LE is accurate as follows:

&nbsp;&nbsp;&nbsp;&nbsp;• Verification of the technical formatting of the LE is NOT
included in the standard review. The formatting of the document is the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;• General loan information and loan terms sections completed
and formatting is accurate.

&nbsp;&nbsp;&nbsp;&nbsp;• Verify loan term, purpose, and product descriptions follow
the prescribed format.

&nbsp;&nbsp;&nbsp;&nbsp;• Verify all applicants applying for credit, as disclosed on
the application, are listed on the LE

"Can this amount increase after closing?" and "Does the loan have these features" sections are completed and are accurate based on the terms disclosed on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;• If rate is locked, were lock expiration date, time and time
zone disclosed.

&nbsp;&nbsp;&nbsp;&nbsp;• Settlement charges good through date, time and time zone
disclosed with minimum of 10 days during which borrower is permitted to shop knowing fees are locked during that timeframe.

&nbsp;&nbsp;&nbsp;&nbsp;• Projected Payments and Estimated Taxes, Insurance & Assessments
sections are complete and accurate based on the loan terms and information known at the time of disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;• The Closing Costs and Cash-to-Close sections are complete
and accurate based on the information provided on page 2 of the LE.

&nbsp;&nbsp;&nbsp;&nbsp;• Fees disclosed properly (alphabetical order within Section
with certain exceptions, and all title fees start with ″Title – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;• It is recommended that an Itemization of Fees is provided
for any fees disclosed as "Aggregate". It is quite difficult to determine if the fees are disclosed properly without this
information

Any addenda found in file listing ADDITIONAL fees for sections other than Section C

&nbsp;&nbsp;&nbsp;&nbsp;• If Interest Only Payments, Optional Payments, Step Payments,
or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed and accurate based on early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;• If ARM or Step Rate, is Adjustable Interest Rate (″AIR″)
Table disclosed and accurate based on the early disclosures in the file.

&nbsp;&nbsp;&nbsp;&nbsp;• The Comparison section is complete.

&nbsp;&nbsp;&nbsp;&nbsp;• Rounding rules verified as per 1026.37(o)(4).

&nbsp;&nbsp;&nbsp;&nbsp;• Other Considerations Section is complete

4. Written
List of Providers ("WLSP")

If the lender places fees in the Services You Can Shop For category, verify that the file contains a Written List of Providers provided to the borrower within three (3) business days of application. The WLSP must include at least one available provider for each service and state the consumer may choose a different provider for that service. If a written list of service providers is not provided, the fees will be treated as a 10% Tolerance fee but a finding for missing service provider list will be noted. If a written list of service providers is provided outside of three (3) days of the application date, the fees will be treated as a 10% Tolerance fee but a finding for a service provider list being provided outside of three (3) days from application will be noted.

5. Variance
tests

Utilize one (1) of the following Variance Categories in performing variance tests:

**Zero Tolerance/Variance\*** - A finding will be cited if any charges increase from the Binding LE to the Final CD without COC or BRC. Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;• Fees paid to the lender, broker or an affiliate of either
lender or broker [fees paid to an affiliate of the lender for services NOT required by the creditor are not subject to tolerance/variance
per CFR 1026.19(e)(3)(iii)(E)];

&nbsp;&nbsp;&nbsp;&nbsp;• Fees paid to an unaffiliated third party if the lender did
not permit the borrower to shop for servicer; and

&nbsp;&nbsp;&nbsp;&nbsp;• Transfer taxes.

&nbsp;&nbsp;&nbsp;&nbsp;• Lender Credits

Any fees that increase on the CD and are paid at closing by someone other than the borrower (e.g. seller or other third party) should be treated as borrower-paid for purposes of the tolerance calculations in 12 CFR § 1026.19(e)(3)(i) – (iii). For example, if a $500 appraisal fee (for which the borrower could not shop) was disclosed on the LE as paid by the borrower or in part by the seller, and the fee subsequently increases to $750 on the CD, the $250 increase must be considered, and a tolerance refund of $250 will be due to the borrower unless the increase had been re-disclosed subject to a valid changed circumstance. However, if a fee is not disclosed on the LE, or only the portion that is borrower-paid is disclosed on the LE, there is no tolerance violation (a) if there is evidence in the file to show that the fee was intended to be paid by the seller in full or in part (e.g. fee is addressed in the purchase contract and the amount to be paid by the seller on the CD corresponds with the contract) or (b) if the fee is known to be a fee that is the responsibility of the seller (i.e. a transfer tax in which local law/regulation provides that the seller is responsible for the fee). Fees paid by the lender should be reviewed for compliance with 12 CFR § 1026.19(e)(3)(i) (i.e. fees that increase and are subject to an increased lender credit do not constitute a violation, but a decreased lender credit that was not re-disclosed subject to a valid changed circumstance is a violation and will require a refund).

**10% Tolerance/Variance\*** – A finding will be cited if the aggregate of the charges increase by more than 10% from the Binding LE to the Final CD without COC or BRC. If a fee/service is listed on the LE but not charged/reflected on the Final CD, the fee will be removed and not considered in calculating the 10% variance threshold pursuant to Comment 19(e)(3)(ii)-5. Such increases include:

&nbsp;&nbsp;&nbsp;&nbsp;• Recording fees; and

&nbsp;&nbsp;&nbsp;&nbsp;• Charges for third party services not paid to creditor or
affiliate AND borrower permitted to shop for service but selects a provider on the creditor's Written List of Service Providers.

&nbsp;&nbsp;&nbsp;&nbsp;• Prepaid mortgage insurance will be treated as a 10% tolerance
fee if it can be shopped for (and not identified as an affiliate), otherwise it will be treated as a zero tolerance fee.

&nbsp;&nbsp;&nbsp;&nbsp;• Client considers seller-paid fees or fees paid by third-parties
as borrower-paid for the purposes of tolerance calculations in 12 CFR §1026.19(e)(3)(i) – (iii) as detailed in section (5)
Variance tests (v)

No Tolerance/Unlimited – No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of disclosure (disclosed in good faith), such as:

&nbsp;&nbsp;&nbsp;&nbsp;• Prepaid interest;

&nbsp;&nbsp;&nbsp;&nbsp;• Property insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;• Impounds/Escrows;

&nbsp;&nbsp;&nbsp;&nbsp;• Charges for services required by the creditor but the borrower
is permitted to shop for and borrower selects a third party provider not on the lender's Written Service Provider List; and

&nbsp;&nbsp;&nbsp;&nbsp;• Charges for third party services NOT required by the creditor
(even if paid to an affiliate of the creditor).

**Notes of interest for "No Tolerance/Unlimited":** No finding will be cited if any of the charges change from the Binding LE to the Final CD, provided that the disclosed amount on the LE is based on information reasonably known to the creditor at the time of the disclosure (disclosed in good faith),

&nbsp;&nbsp;&nbsp;&nbsp;• Prepaid property taxes charged by local and state governments
periodically will have no tolerance under the general 'best information reasonably available' standard unless otherwise instructed
by the Client.

&nbsp;&nbsp;&nbsp;&nbsp;• As noted above, Wipro Opus will review the loan file for
evidence the disclosure was not made in "Good Faith". "Good faith" means the creditor made the estimate based
on the information reasonably available to them at the time the LE was provided. Absent such evidence, Wipro Opus will consider the disclosures
made in "good faith". Two examples where a disclosure would be considered not made in "good faith" and a finding
cited are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The creditor requires homeowner's insurance but fails
to include a homeowner's insurance premium; a finding will be added that the LE was not issued in good faith.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The creditor knows the loan must close on the 15th of the
month but estimates prepaid interest to be paid from the 30th of that month, a finding will be added that the LE was not issued in good
faith.

&nbsp;&nbsp;&nbsp;&nbsp;• Review for documentation itemizing fees from the Binding
LE to determine unrounded amounts of fees to use for performing tolerance testing only if a tolerance violation occurs. If no fee itemization
is found, tolerance testing will be performed based on the information in the disclosures and a tolerance violation will be noted if
applicable. Utilize fee information from closing instructions or a vendor compliance report, if the file contains the referenced support
documentation.

Additionally, if a documented valid COC or BRC occurs resulting in a change to loan terms, settlement charges or interest rate within four (4) business days of consummation, the variance test will be performed based on the revised amounts disclosed on the initial CD (or subsequent CD if change occurs after initial CD has been provided) provided that the change is related to the COC or BRC.

&nbsp;&nbsp;&nbsp;&nbsp;• For loans with no Interim LE and no COC or BRC occurring
four (4) days prior to consummation, fees and charges on the CD are tested for compliance with permitted variances against fees disclosed
on Initial LE.

&nbsp;&nbsp;&nbsp;&nbsp;• For loans with an Interim LE, the following procedures will
be applied:

○ Review of each Interim LE and fees and charges on the CD are tested for compliance with variance thresholds against fees supported by a valid COC or BRC related to the charge that increases

&nbsp;&nbsp;&nbsp;&nbsp;• In cases where an Interim LE is issued with several fee increases,
but only some are supported by or related to a valid COC or BRC, those fees which are not supported by or related to a valid COC, BRC
or disclosed on an LE that was not provided timely (within three (3) business days of changed circumstance) will be tested for variance
using the amounts disclosed in the Initial LE previously valid LE.

**Closing disclosure (″CD″)**

&nbsp;&nbsp;&nbsp;&nbsp;• Wipro Opus will conduct a general CD review and verify the
following:

&nbsp;&nbsp;&nbsp;&nbsp;• Recommendation: Closing Disclosure provided at closing be
marked "Final." Although this is not a requirement, marking the Closing Disclosure as Final will ensure a timely review.

&nbsp;&nbsp;&nbsp;&nbsp;• That the correct form is used and all sections of the CD
are completed (no blanks or incomplete sections).

&nbsp;&nbsp;&nbsp;&nbsp;• Acknowledgement of receipt by all borrowers with a right
to rescind under 1026.23 by verifying that each borrower with a right to rescind was provided with a copy of the CD. This could include
the non-borrowing spouse. Acknowledgement is based on lender guidelines

&nbsp;&nbsp;&nbsp;&nbsp;• If the CD does not contain a signature line for the consumer's
signature, Wipro Opus will look for the required alternative statement in "Other Disclosures" with the heading of "Loan
Acceptance". While not required, Wipro Opus highly recommends that the client require the CD to be signed and dated by the consumer
as it will ensure a timely review.

&nbsp;&nbsp;&nbsp;&nbsp;• If a subsequent CD is issued having changes to (a) the loan
product which affects disclosed terms and loan information; (b) the addition of a prepayment penalty; or (c) an APR which exceeds the
previously disclosed APR by more than 1/8 or ¼ of one percent on regular or irregular transactions, as the case may be for accuracy.
Consultant will test that the borrower was given an additional three (3)-business day waiting period from the date of final pre-close
CD with (a) the final loan product; (b) the prepayment penalty addition; or (c) the APR, and that the final pre-close CD has been received
by borrower by consummation. APR reductions beyond these tolerances require the additional 3 day waiting period unless the overstated
APR was based on an overestimated finance charge.

&nbsp;&nbsp;&nbsp;&nbsp;• On the interim and final pre-close CDs the following checks
and limitations apply:

&nbsp;&nbsp;&nbsp;&nbsp;• Verification of the technical formatting of the CD is out
of scope in the standard review. The formatting of the document is the responsibility of the document preparation source.

&nbsp;&nbsp;&nbsp;&nbsp;• Closing, Transaction and Loan Information sections have been
completed with accurate information.

&nbsp;&nbsp;&nbsp;&nbsp;• Loan terms sections are completed.

○ Wipro Opus will verify loan term, purpose, and product descriptions follow the prescribed format.

○ Wipro Opus will verify all applicants applying for credit, as disclosed on the application, are listed on the LE

"Can this amount increase after closing?" and "Does the loan have these features" sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;• Projected Payments and Estimated Taxes, Insurance & Assessments
sections are completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;• Fees have been disclosed properly (alphabetically, correct
buckets and all title fees start with ″Title – ″) in Closing Cost Details section.

&nbsp;&nbsp;&nbsp;&nbsp;• Any addenda found in file listing ADDITIONAL fees for sections
other than Section C (Services You Can Shop For) is completed properly.

&nbsp;&nbsp;&nbsp;&nbsp;• Calculating Cash to Close table completed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;• Summaries of Transaction section completed accurately

&nbsp;&nbsp;&nbsp;&nbsp;• Loan Disclosures section complete:

○ CD Assumption, Demand Feature, Negative Amortization, and Partial Payments sections completed properly (at least and only one box selected).

○ Late Payment completed properly (terms disclosed and accurate per note).

○ Escrow Amount section completed properly (only one box selected and amounts disclosed).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Escrow Property Costs over Year 1 to be calculated per the
payments scheduled to be made in a 1 year period after consummation (1026.38)(I)(7)(i)(A)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Non-Escrowed Property Costs over 1 Year to be calculated
using either 11 or 12 months as determined by client. (1026.38)(I)(7)(i)(B)(1)

&nbsp;&nbsp;&nbsp;&nbsp;• If Interest Only, Optional Payments, Step Payments, or Seasonal
Payments, is Adjustable Payment (″AP″) Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;• If ARM or Step, is Adjustable Interest Rate (″AIR″)
Table disclosed accurately.

&nbsp;&nbsp;&nbsp;&nbsp;• Loan Calculations section complete and accurate.

○ Total of Payments is accurate per 1026.38(o)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Include fees in section A, B, and C that are paid by the
borrower as well as the seller or other if those fees are customarily paid by the borrower.

○ Capture amounts disclosed in Loan Calculations section and test for TILA tolerance violations on disclosed APR and Finance Charge.

○ Total Interest Percentage (TIP) accurate with proper rounding.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other Disclosures section complete with at least one choice
selected as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Review for the creditor's selection of one of the two
options in the Liability After Foreclosure section, but will not make an independent judgment whether or not the selection is correct
for the property state. Only issue a condition if either no selection is made or if both selections are made.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Contact Information section is complete with information
from each party of the transaction provided as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Rounding rules verified as per 1026.38(t)(4). Rounding on
all percentages except APR is percentages should be truncated so that a zero is not disclosed in the last decimal place (7.250 should
be rounded to 7.25).

**TRID Method of Receipt Of LE And CD**

Determine the method of receipt of the revised LE and CD and perform a compliance test with timing requirements. For purposes of the review and verification, the date the borrower is deemed to have received the disclosure(s) is based on any of the following methods:

&nbsp;&nbsp;&nbsp;&nbsp;• In Person: borrower signature date is used.

&nbsp;&nbsp;&nbsp;&nbsp;• Electronic\* - No Receipt Confirmation in File: three (3)
business days from later of document issue date or proof of e-delivery date is used.

&nbsp;&nbsp;&nbsp;&nbsp;• Electronic\* - With Receipt Confirmation in File, date of
receipt confirmation is used.

&nbsp;&nbsp;&nbsp;&nbsp;• Electronic\* - Delivery confirmation of an email, assuming
the borrower(s) have consented to electronic delivery.

&nbsp;&nbsp;&nbsp;&nbsp;• Mail (USPS or other parcel delivery service) – No Receipt
Confirmation in File: three (3) business days from later of document issue date or proof of mailing date is used. Delivery confirmation,
i.e., confirmation that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s)
to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements.

Mail (USPS or other parcel delivery service) – With Receipt Confirmation in File: date of receipt confirmation is used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements. Unknown (unable to determine delivery method or unable to verify borrower received disclosures in any other method than by USPS Mail method): follow the USPS Mail delivery method of three (3) business days from the document issue date. As noted above, a signature by anyone other than the borrower(s) constitutes evidence of delivery and the method of receipt will be considered unknown, requiring an additional three (3) days from the date the non-borrower received the documents.

\*NOTE: If disclosures are sent electronically, a finding will be cited if there is no evidence in the file that the borrower consented to receive disclosures electronically. Default to the three (3) business day mail rule for delivery without the proper documentation of borrower consent.

**Other Recommended TRID Compliance Tests**

Apply the following additional compliance tests which were included in the recommended review scope resulting from the 2015 CFPB Amendments:

&nbsp;&nbsp;&nbsp;&nbsp;• Use of TRID forms prior to TRID effective date: a finding
will be cited if the new TRID forms are utilized on a loan with an application received prior to the October 3, 2015 effective date.

&nbsp;&nbsp;&nbsp;&nbsp;• Use of TRID forms on loans not covered by TRID: a finding
will be cited if the new TRID forms are utilized on loans not covered by TRID (i.e., HELOC, i.e. reverse mortgages, i.e. Chattel Dwelling
loans (loans on mobile homes that are not also secured by the underlying real property or loans on houseboats).

&nbsp;&nbsp;&nbsp;&nbsp;• Your Home Loan Toolkit: a finding will be cited if the new
Your Home Loan Toolkit Disclosure or evidence the disclosure was delivered or placed in the mail is not in the file or was not provided
to the borrower within three (3) business days of application.

&nbsp;&nbsp;&nbsp;&nbsp;• Consummation Date: Consummation varies by applicable state
law and the term is not often clearly defined. Accordingly, generally use the notary date. If there are multiple borrowers and they do
not all sign the documents on the same day, then use the latest signature date.

&nbsp;&nbsp;&nbsp;&nbsp;• Post-Consummation Disclosures: TRID review scope will not
include testing for compliance with the following post-consummation disclosures under TRID:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Escrow Closing Notice; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Mortgage servicing transfer and partial payment notices.

**Subsequent Changes After Consummation**

The following prescribed cures as set forth in section 1026.19 (f)(2)(iii) through (v) are acceptable for changes and corrections to the Final CD after consummation.

1026.19(f)(2)(iii) – Changes due to events occurring after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;• If within 30 days of consummation, an event in connection
with the settlement of the transaction occurs that causes the final CD to become inaccurate and such inaccuracy results in a change to
an amount actually paid by the borrower(s) from the amount disclosed, test for evidence that a new, corrected CD is delivered or placed
in the mail to the borrower within thirty (30) days of receiving information that an event occurred.

1026.19(f)(2)(iv) – Changes due to clerical errors.

&nbsp;&nbsp;&nbsp;&nbsp;• Non-numeric clerical errors, for the purpose of this scope
document are any error not related to a disclosed dollar amount or percentage. Test for evidence a new, corrected CD is delivered or
placed in the mail to the borrower within sixty (60) calendar days of consummation. Examples of non-numeric clerical errors include but
are not limited to:

○ Corrections to the closing information section.

○ Corrections to the transaction information section.

○ Corrections to loan id # or MIC #.

○ Corrections to non-numeric identifiers in the Estimated Taxes, Insurance & Assessments section.

○ Corrections to the fee labels and/or order of fees.

○ Corrections to the location of the fee(s).

○ Corrections to missing cure language.

○ Corrections to the "Did This Change" section of Calculating Cash to Close.

○ Corrections to the Loan Disclosures section

○ Corrections to non-numeric items in the Escrow Account section.

○ Corrections to the Other Disclosures section.

○ Corrections to the Contact Information section.

&nbsp;&nbsp;&nbsp;&nbsp;• 1026.19(f)(2)(v) – Refunds related to the good faith
analysis.

○ Test for evidence such as a copy of the refund check, a new corrected CD, and evidence the creditor delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation.

A post-consummation CD is understood to be a re-issued CD with a Date Issued represented as the date the post-consummation CD was issued. Corrections to the final pre-close CD should not be accepted as a post-consummation CD noted in the prescribed cures above.

Errors on LE's and Interim CD's and numeric errors on final CD's do not have prescribed cures as per the regulation and therefore will not be reported as having been cured. The assessment of risk and decision to accept a finding that does not have a prescribed cure is the responsibility of the purchaser of the loan.

**Additional Disclosures and Requirements:**

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Servicing Transfer Disclosure (for applications prior to
10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Servicing Transfer Disclosure
form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verify the Servicing Transfer Disclosure was provided to
the borrower(s) within three general business days of "Application"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet (for applications prior to
10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Home Loan Tool Kit is in file
for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Home Loan Tool Kit is provided within three
general business days of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Affiliated Business Disclosure
in file in the event the lender has affiliated business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure provided within
three general business days of "Application" (Consultant reviews for this disclosure to be provided within three general business
days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third
party services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Initial Escrow Disclosure Statement
in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Initial Escrow Disclosure Statement was provided
at closing or within 45 days after settlement

**Equal Credit Opportunity Act (Regulation B)**

&nbsp;&nbsp;&nbsp;&nbsp;• Confirm the lender has provided the borrower a disclosure
of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by
disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;• Confirm that the lender has provided (delivered) copies of
appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to
the borrower at least three (3) business days prior to consummation Wipro Opus uses the following test: Was appraisal/valuation documentation
processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

&nbsp;&nbsp;&nbsp;&nbsp;• For a borrower that has waived the 3-business day disclosure
requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2)
has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that
the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

&nbsp;&nbsp;&nbsp;&nbsp;• Confirm that the lender has provided the borrower the risk-based
pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable;
(a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier
than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm
the disclosure was provided before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;• Confirm that the lender has provided a copy of the disclosure
of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

&nbsp;&nbsp;&nbsp;&nbsp;· Arkansas Home Loan Protection Act, Ark. Stat. Ann. §
23-53-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code
§ 4970 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin.
Code §4995 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Colorado Consumer Equity Protection Act,
Colo, Rev. Stat. § 5-3.5-101 et seq. .

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn.
Stat. Ann. §36a- 746 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat.
§§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

&nbsp;&nbsp;&nbsp;&nbsp;· District of Columbia Home Loan Protection Act, D.C. Official
Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078
et seq. (for loans closed before July 1, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;· Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by
 Senate Bill 03-53).

&nbsp;&nbsp;&nbsp;&nbsp;· Idaho Residential Mortgage Practices Act, Idaho Code §
26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin.
Code §345.10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003)
codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois Predatory Lending Database Program, Public Act
95-0691 (SB 1167).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Chicago, Illinois, Anti-Predatory Lending Ordinance,
Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance,
Cook County Code of Ordinances § 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program,
Illinois House Bill 4050 (2005).

&nbsp;&nbsp;&nbsp;&nbsp;· Indiana
Home Loan Practices Act, as amended by HB 1179 (2005), Ind. Code § 24-9-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 16a-3-308a of the Kansas Consumer Credit Code,
Kan. Stat. Ann. §16a.101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat.
§ 360.100 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Maine, An Act to Enhance Consumer Protections in Relation
to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A,
as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

&nbsp;&nbsp;&nbsp;&nbsp;· Maine Consumer Credit Code - Truth-in-Lending, (for loans
closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§
12-124.1; 12-127; 12- 409.1; 12-1029.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland
Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code
§§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts
32 and 40, as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts
Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts "Borrower's Interest" Standard,
M.G.L. Chapter 183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940
CMR §800 (15-17).

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans,
209 CMR §§ 32.00 et.seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L.
Chapter 184, §17B.5.

&nbsp;&nbsp;&nbsp;&nbsp;· Michigan Consumer Mortgage Protection Act,
Mich. Stat. Ann. § 445-1631 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator and Service Licensing Act,
§ 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· Nebraska Mortgage Bankers Registration and Licensing Act,
Neb. Stat § 45-702 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending Law, Assembly Bill No. 284
(2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· New
 Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as
 amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New
 Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev.
 Stat. § 58-21A-1 et seq. and as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New
 York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;· New
 York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law §
 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New
 York Subprime Home Loans Statute, NY Bank. Law § 6-m.

&nbsp;&nbsp;&nbsp;&nbsp;· North
 Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24- 10.2 and
 North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9;
 24-1.1(E)(a); 24-10.2(a), as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio
 Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified
 in various sections of the Ohio Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio
 Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio
 Admin. Rules § 109 4-3-01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· City
 of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH),
 Mun. Code §§ 757.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Summit
 County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004- 618,
 Muni. Code §§ 201.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma
 Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of
 Title 14A of the Oklahoma Consumer Credit Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma
Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9- 1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Pennsylvania
 Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency
 Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· City
 of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance
 No. 245.

&nbsp;&nbsp;&nbsp;&nbsp;· South
 Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee
 Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§
 45-20-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Texas
 High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section
 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section
 50(f)(2), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Utah
 Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Utah
 High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Vermont
 Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia
 Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann.
 §§ 6.1-413; 6.1-422; 6.1-428.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia
 Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September
 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia
 Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code
 Ann. §§ 6.2-1600 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia
 Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· West
 Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17 et
 seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin
 Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by
 Wis. Admin. Code DFI-Bkg 46.01 et seq.

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is an extension of credit primarily for business,
commercial or agricultural purposes

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is in a subordinate position to a senior lien secured
by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

&nbsp;&nbsp;&nbsp;&nbsp;· Flood Insurance coverage for the residential real estate
is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other
applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate,
cooperative, homeowners association, or other group as a common expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

&nbsp;&nbsp;&nbsp;&nbsp;• Signatures: Validate signature consistency across documents.
To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures
across documents.

&nbsp;&nbsp;&nbsp;&nbsp;• Alerts: Assess credit report alerts for accuracy and potential
issues.

&nbsp;&nbsp;&nbsp;&nbsp;• Social Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;• Document Integrity: Review for apparent alterations to loan
documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan
documents.

&nbsp;&nbsp;&nbsp;&nbsp;• Data Consistency: Review the documents contained in the loan
file for consistency of data.

&nbsp;&nbsp;&nbsp;&nbsp;• Third Party Fraud Tools: To the extent a third party fraud
tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

&nbsp;&nbsp;&nbsp;&nbsp;• Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;• Value is based on as-is condition or provides satisfactory
completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be
made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same,
have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;• Property is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;• No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;• Appraiser was appropriately licensed at the time the appraisal
was signed

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;• The individuals performing the above procedures are not person
providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily
licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes
of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;• Wipro Opus makes no representation or warranty as to the
value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;• Wipro Opus is not an Appraisal Management Company ("AMC")
and therefore does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;• Wipro Opus is not a creditor within the meaning of the Equal
Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Wipro Opus will not have and communications
with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

&nbsp;&nbsp;&nbsp;&nbsp;• No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;• Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Wipro Opus Grading Criteria**

1) Wipro Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Wipro Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Wipro Opus and updated from time to time shall be determined as follows:

**Wipro Opus Credit Grades**

&nbsp;&nbsp;&nbsp;&nbsp;• Level 1 Credit Grade Definition: Loan was originated in accordance
with the mortgage loan originator underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;• Level 2 Credit Grade Definition: Loan was originated in substantial
compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;• Level 3 Credit Grade Definition: Loan was not originated
in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions
or is missing material documentation.

**Wipro Opus Property Grades**

&nbsp;&nbsp;&nbsp;&nbsp;• Level 1 Property Grade Definition: Property value appears
to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

&nbsp;&nbsp;&nbsp;&nbsp;• Level 2 Property Grade Definition: Property value appears
to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;• Level 3 Property Grade Definition: Property value does not
appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or
the file is missing material documentation.

**Wipro Opus Compliance Grades**

&nbsp;&nbsp;&nbsp;&nbsp;• Level 1 Compliance Grade Definition: Loan complies with all
applicable laws and regulations reviewed under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;• Level 2 Compliance Grade Definition: There are minor issues
regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation
under the loan documents and will not result in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;• Level 3 Compliance Grade Definition: Loan is not in compliance
with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· SSNs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan
Number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including
City, County, MSA and Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Phone Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow the identification of the
location of a property (e.g. neighborhood, body of water, schools, major highways)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Driver's License Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Email Addresses

**DSCR Loan Review**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:**

&nbsp;&nbsp;&nbsp;&nbsp;• **Borrower Liquidity:** Review and confirm borrower's
liquidity position adheres to Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;• **Credit / Background Check:** Review and confirm each
guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

&nbsp;&nbsp;&nbsp;&nbsp;• **Property management questionnaire:** Review the questionnaire
to confirm management experience meets Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;• **Borrowing Entity:** Confirm the entity is in good standing
and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority
to bind the entity (if applicable documents are in the file).

&nbsp;&nbsp;&nbsp;&nbsp;• **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm
the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;• **Permitted Loan Terms:** Confirm the loan terms are eligible
per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;• **Property Requirements and Market Requirements:** Confirm
the loan Property and Market Requirements are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;• **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows**

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;• **Condominium Eligibility:** Confirm Condo Master Policy
is present and meets the Underwriting Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;• **Property Insurance:** Confirm each mortgaged property
has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;• **Preliminary/Commitment Title:** Review and confirm first
lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check**

 

&nbsp;&nbsp;&nbsp;&nbsp;• Loan Application: Verify the presence and completeness of
both the initial and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;• Credit Report: Verify the presence of a credit report for
each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting
guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;• Housing Payment History: In the absence of housing payment
histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage
form.

&nbsp;&nbsp;&nbsp;&nbsp;• Letters of Explanation: When Letters of Explanation are required
by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;• Gift Letters: When Gift Letters are required by the Client
provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;• Income Documentation: Verify the presence of income and employment
related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt
ratio calculation.

&nbsp;&nbsp;&nbsp;&nbsp;• Asset Documentation: Verify the presence of asset documentation
required by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;• Property Valuation Tools: Verify that each loan file contains
adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided
underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;• Proof of Insurance: Verify the presence of insurance certificates
for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage
is present to meet the requirements of the Client provided underwriting guidelines.

**Compliance**

&nbsp;&nbsp;&nbsp;&nbsp;· No compliance testing for the DSCR review.

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there was one (1) obligor with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

**<u>Pool Details</u>**

---

| | | |
|:---|:---|:---|
| **Loan Type** | **Loan Type** | **Loan Type** |
| Type | Count | % of Pool |
| Non-Conforming | 14 | 66.67% |
| Conforming-GSE Eligible | 7 | 33.33% |
| Total | 21 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Interest Rate** | **Interest Rate** | **Interest Rate** |
| Type | Count | % of Pool |
| 5.000 - 5.499 | 1 | 4.76% |
| 5.500 - 5.999 | 5 | 23.81% |
| 6.000 - 6.499 | 2 | 9.52% |
| 6.500 - 6.999 | 3 | 14.29% |
| 7.000 - 7.499 | 2 | 9.52% |
| 7.500 - 7.999 | 5 | 23.81% |
| 8.000 - 8.499 | 2 | 9.52% |
| 8.500 - 8.999 | 1 | 4.76% |
| 9.000 - 9.499 | 0 | 0.00% |
| Total | 21 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Purpose** | **Purpose** | **Purpose** |
| Type | Count | % of Pool |
| Cash out Refi | 9 | 42.86% |
| Purchase | 11 | 52.38% |
| Rate / Term Refi | 1 | 4.76% |
| Total | 21 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Product Type** | **Product Type** | **Product Type** |
| Type | Count | % of Pool |
| Fixed | 19 | 90.48% |
| ARM | 2 | 9.52% |
| Total | 21 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Occupancy** | **Occupancy** | **Occupancy** |
| Type | Count | % of Pool |
| Primary Residence | 2 | 9.52% |
| Second Home | 6 | 28.57% |
| Investment Property | 13 | 61.90% |
| Total | 21 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Property Type** | **Property Type** | **Property Type** |
| Type | Count | % of Pool |
| Single Family Detached | 10 | 47.62% |
| Co-op | 0 | 0.00% |
| Condo, Low Rise | 1 | 4.76% |
| Condo, High Rise | 1 | 4.76% |
| PUD | 6 | 28.57% |
| 1 Family Attached | 0 | 0.00% |
| 2 Family | 2 | 9.52% |
| 3 Family | 0 | 0.00% |
| 4 Family | 1 | 4.76% |
| Total | 21 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **DTI** | **DTI** | **DTI** |
| Type | Count | % of Pool |
| 0.00-20.00 | 8 | 38.10% |
| 20.01-30.00 | 3 | 14.29% |
| 30.01-40.00 | 3 | 14.29% |
| 40.01-45.00 | 6 | 28.57% |
| 45.01-50.00 | 1 | 4.76% |
| Total | 21 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **QM Type** | **QM Type** | **QM Type** |
| Type | Count | % of Pool |
| Non-QM: Compliant | 6 | 28.57% |
| QM: Higher Priced APOR<br> (APOR HP) | 1 | 4.76% |
| QM: Safe Harbor APOR<br> (APOR SH) | 2 | 9.52% |
| ATR/QM: Exempt | 12 | 57.14% |
| Total | 21 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **LTV** | **LTV** | **LTV** |
| Type | Count | % of Pool |
| 0.00-30.00 | 0 | 0.00% |
| 30.01-40.00 | 0 | 0.00% |
| 40.01-50.00 | 2 | 9.52% |
| 50.01-60.00 | 1 | 4.76% |
| 60.01-70.00 | 7 | 33.33% |
| 70.01-80.00 | 10 | 47.62% |
| 80.01-90.00 | 1 | 4.76% |
| Total | 21 | 100.00% |

---

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| **Data Element** | **Count** | **Accuracy** |
| Borrower 2 Self-Employment Flag | 1 | 95.24% |
| Originator QM Status | 4 | 80.95% |
| Prepayment Penalty Total Term | 10 | 52.38% |
| Property Address | 1 | 95.24% |
| Property Type | 6 | 71.43% |
| Qualifying LTV | 5 | 76.19% |
| Qualifying Total Debt Income Ratio | 6 | 71.43% |
| **Total Loan Population** | **21** |  |

---

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| S&P | Moody's | Fitch | Kroll | DBRS | Definition |
| A | A | A | A | A | Loan conforms to all applicable guidelines, no conditions noted |
| B | B | B | B | B | Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| C | C | C | C | C | The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| D | D | D | D | D | The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| S&P | Moody's | Kroll | DBRS | Definition |
| A | A | A | A | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| B | B | B | B | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| C | C | C | C | The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| D | D | D | D | The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| Fitch | Definition |
| A | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| B | The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| C | The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| D | The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| Moody's | Definition |
| A | Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| B | Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| C | Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| D | The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| S&P | Definition |
| A | First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| B | First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| C | Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| D | The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated July 1, 2025 and June 14, 2025.

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 11 | 52.38% |
| B | 10 | 47.62% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Compliance Grade Summary** |  |  |
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 13 | 61.90% |
| B | 8 | 38.10% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Credit Grade Summary** |  |  |
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 18 | 85.71% |
| B | 3 | 14.29% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Property Grade Summary** |  |  |
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 21 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| **S&P NRSRO Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 9 | 42.86% |
| B | 12 | 57.14% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Compliance Grade Summary** |  |  |
| **S&P NRSRO Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 13 | 61.90% |
| B | 8 | 38.10% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Credit Grade Summary** |  |  |
| **S&P NRSRO Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 18 | 85.71% |
| B | 3 | 14.29% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Property Grade Summary** |  |  |
| **S&P NRSRO Grade** | **# of<br> Loans** | **% of<br> Loans** |
| A | 19 | 90.48% |
| B | 2 | 9.52% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**<u>Loans Reviewed (21)</u>**

---

| | | | |
|:---|:---|:---|:---|
| 2111075993 | 2202081022 | 1000401556 | 1000402424 |
| 2201078452 | 2202082043 | 1000401527 | 1000402634 |
| 2111075992 | 1000400629 | 2202082518 | 1000401771 |
| 2202082511 | 1000400701 | 2110074274 |  |
| 2202081607 | 1000400767 | 1000401210 |  |
| 2202082900 | 1000400856 | 1000400962 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.15

**Exhibit 99.15 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Alt Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM DTI/Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 20250630019 | XXXX | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | Yes | Employed |  | No |  | Yes | Present |
| 20250630014 | XXXX | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed | Employed | No | No | Yes | Present |
| 20250630020 | XXXX | XXXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.102 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Not Employed | No | No | No |  |
| 20250630013 | XXXX | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | Yes | Employed |  | No |  | Yes | Present |
| 20250630017 | XXXX | XXXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3000.0 | 8.336 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Not Employed | Employed | No | No | No |  |
| 20250630012 | XXXX | XXXX | XX/XX/XXXX | QM: Safe Harbor DTI (DTI SH) | ATR/QM: Exempt | Yes |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0.0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed |  | No |  | Yes | Present |
| 20250630018 | XXXX | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | Yes |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | N/A | Employed |  | No |  | Yes | Present |
| 20250630009 | XXXX | XXXX | XX/XX/XXXX | QM: Safe Harbor DTI (DTI SH) | QM: Safe Harbor APOR (APOR SH) | Yes |  | No | No | No | No | No | No | No | No | No | No | No | 950.0 | 8.613 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | Yes | Not Employed | Employed | No | No | No |  |
| 20250630011 | XXXX | XXXX | XX/XX/XXXX | QM: Safe Harbor DTI (DTI SH) | ATR/QM: Exempt | Yes |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX | Yes | Employed | Employed | No | No | Yes | Present |
| 20250630010 | XXXX | XXXX | XX/XX/XXXX | QM: Safe Harbor DTI (DTI SH) | QM: Safe Harbor APOR (APOR SH) | Yes |  | No | No | No | No | No | No | No | No | No | No | No | 6430.0 | 8.18 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $X,XXX.XX | N/A | Employed | Employed | No | No | No |  |
| 20250630021 | XXXX | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $X,XXX.XX |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.15

**Exhibit 99.15 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Alt Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 20250630019 | XXXX | XXXX | XXXX | XXXX XXXX XXXX 6M6 ARM - Reduced Doc | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0.00 | 0 | $X,XXX.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 36.02 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 20250630014 | XXXX | XXXX | XXXX | QM2.0-Non GSE Eligible | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0.00 | 0 | $X,XXX.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.6 | 1 | 1 | N/A | 40.96 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 20250630013 | XXXX | XXXX | XXXX | LP | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0.00 | 0 | $X,XXX.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 17.82 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 20250630012 | XXXX | XXXX | XXXX | DU | Full Doc | Present | Subject Owner Occupied/Vacant |  |  |  |  |  |  |  |  |  | No |  | 0.00 | 0 | $X,XXX.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 42.14 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 20250630018 | XXXX | XXXX | XXXX | DU | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0 | 0 | $X,XXX.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 62.96 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 20250630011 | XXXX | XXXX | XXXX | DU | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  | 0.00 | 0 | $X,XXX.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 14.02 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |
| 20250630021 | XXXX | XXXX | XXXX | DSCR | Debt Service Coverage Ratio | Present | Yes | 1300 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1300 | Actual In Place Rent | No | 92.06 | 1.08 | 1.09 | $X,XXX.XX | 1300 | XX/XX/XXXX | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17500 |  |  |  | 1300 |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 | N/A | 108.27 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  |

---

## Exhibit 99.15

**Exhibit 99.15 Schedule 3**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Alt Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 20250630019 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| 20250630019 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 0 | 5 | Audit Value Pulled From Note. |
| 20250630019 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Audit value pulled from documents located in the loan file. |
| 20250630014 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 0 | 5 | Audit Value Pulled From Note. |
| 20250630014 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.47 | 40.48 | Rounding |
| 20250630020 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 0 | 5 | Audit Value Pulled From Note. |
| 20250630020 | XXXX | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | No | Yes | Audit value pulled from documents located in the loan file. |
| 20250630020 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 9.2 | 9.22 | DTI difference is less than 1% and within lender tolerance. |
| 20250630013 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 80 | 79.45 | Audit Value of 1st lien / Value of $XXX,XXX. |
| 20250630013 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 0 | 5 | Audit value pulled from documents located in the loan file. |
| 20250630013 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | QM: Safe Harbor APOR (APOR SH) | Audit value pulled from documents located in the loan file. |
| 20250630013 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.89 | 27.60 | Audit reflects difference in net rental income per documents in the loan file. |
| 20250630017 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 80 | 78.89 | Audit Value of 1st lien $XXXXXX / Value of $XXXXXX |
| 20250630017 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| 20250630017 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 0 | 2 | Audit Value Pulled From Note / PPP Addendum. |
| 20250630012 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 80 | 79.01 | Audit Value of 1st lien $XXX,XXX/ Purchase Price of $XXX,XXX. |
| 20250630012 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| 20250630012 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 0 | 5 | Audit Value Pulled From Note / Final CD |
| 20250630012 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor DTI (DTI SH) | QM: Safe Harbor APOR (APOR SH) | Audit value pulled from documents located in the loan file. |
| 20250630012 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.56 | 40.96 | Audit liabilities were based on documents in the loan file. |
| 20250630018 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 80 | 73.89 | Audit Value of $XXXXXX / Value of $XXXXXX |
| 20250630018 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| 20250630018 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 0 | 5 | Audit Value Pulled From Note. |
| 20250630009 | XXXX | XXXX | Property Address | notePage | Per Audit | Per Tape | Audit Value Pulled From Note. |
| 20250630009 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 0 | 5 | Audit Value Pulled From Note / PPP Addendum. |
| 20250630009 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.88 | 38.92 | DTI difference is less than 1% and within lender tolerance.  |
| 20250630011 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 80 | 71.23 | Audit Value of XXX,XXX.XX / Value of $XXX,XXX.XX. |
| 20250630011 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 0 | 2 | Audit value pulled from documents located in the loan file. |
| 20250630011 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor DTI (DTI SH) | QM: Safe Harbor APOR (APOR SH) | Audit value pulled from documents located in the loan file. |
| 20250630010 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit value pulled from Appraisal. |
| 20250630010 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 0 | 2 | Audit value pulled from Note. / Final CD |
| 20250630010 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.64 | 23.79 | DTI difference is less than 1% and within lender tolerance. |

---

## Exhibit 99.15

**Exhibit 99.15 Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| **Alt Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 20250630019 | XXXX | XXXX | $X,XXX.XX A |
| 20250630014 | XXXX | XXXX | $X,XXX.XX A C B |
| 20250630020 | XXXX | XXXX | $X,XXX.XX A |
| 20250630013 | XXXX | XXXX | $X,XXX.XX A |
| 20250630017 | XXXX | XXXX | $X,XXX.XX A B |
| 20250630012 | XXXX | XXXX | $X,XXX.XX A C |
| 20250630018 | XXXX | XXXX | $X,XXX.XX A |
| 20250630009 | XXXX | XXXX | $X,XXX.XX A B |
| 20250630011 | XXXX | XXXX | $X,XXX.XX A |
| 20250630010 | XXXX | XXXX | $X,XXX.XX A B |
| 20250630021 | XXXX | XXXX | $X,XXX.XX A C B |

---

## Exhibit 99.15

**Exhibit 99.15 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Alt Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraisal Type** | **Primary Appraised Value** | **LTV** | **Value for LTV** | **CLTV** | **LTV** | **CLTV** | **Primary Appraisal Date** | **Loan Reviewed Product Type** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Loan Collateral Advisor Risk Score Date** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Collateral Underwriter Risk Score Date** | **Collateral Underwriter Risk Score** |
| 20250630019 | XXXX | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | 80.0 | $X,XXX.XX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 1.7 |
| 20250630014 | XXXX | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | 70.0 | $X,XXX.XX | 70.0 | 70.0 | 70.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX | Desk Review | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | XXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 3.2 |
| 20250630020 | XXXX | XXXX | XX/XX/XXXX | $X,XXX.XX | 0 | 0 | 1004 URAR | $X,XXX.XX | 75.0 | $X,XXX.XX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 2.2 |
| 20250630013 | XXXX | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | 80.0 | $X,XXX.XX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 1 |
| 20250630017 | XXXX | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | 80.0 | $X,XXX.XX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Loan Collateral Advisor (LCA) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  | 1 | Eligible |  |
| 20250630012 | XXXX | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | 80.0 | $X,XXX.XX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 1 |
| 20250630018 | XXXX | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | 80.0 | $X,XXX.XX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 1 |
| 20250630009 | XXXX | XXXX | XX/XX/XXXX | $X,XXX.XX |  | 0 | 1004 URAR | $X,XXX.XX | 75.0 | $X,XXX.XX | 75.0 | 75.0 | 75.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 1.7 |
| 20250630011 | XXXX | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | 80.0 | $X,XXX.XX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 1 |
| 20250630010 | XXXX | XXXX | XX/XX/XXXX | $X,XXX.XX | $X,XXX.XX | 0 | 1004 URAR | $X,XXX.XX | 80.0 | $X,XXX.XX | 80.0 | 80.0 | 80.0 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 1.4 |
| 20250630021 | XXXX | XXXX | XX/XX/XXXX | $X,XXX.XX | 0 | 0 | 1004 URAR | $X,XXX.XX | 49.12 | $X,XXX.XX | 49.12 | 49.12 | 49.12 | XX/XX/XXXX | Collateral Underwriter (CU) | $X,XXX.XX | $X,XXX.XX | XXXX | Desk Review | $X,XXX.XX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | $X,XXX.XX | $X,XXX.XX | XXXX | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 2.6 |

---

## Exhibit 99.15

**Exhibit 99.15 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Alt Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX | XXXX | XX | Closed | 2024-03-19 19:53 | 2024-03-19 19:53 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A.<br> - Due Diligence Vendor-03/19/2024 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A.<br> - Due Diligence Vendor-03/19/2024<br>|  |  |  | XX | Investment | Refinance | Cash Out - Other | 1508844 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | XX | Closed | 2024-03-15 18:41 | 2024-03-19 19:53 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-Document Uploaded. - Due Diligence Vendor-03/19/2024 <br>Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-03/19/2024 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/15/2024 |  | Resolved-Document Uploaded. - Due Diligence Vendor-03/19/2024 <br>Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-03/19/2024<br>| XXXXXXXX_RDA.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 1500362 | N/A | N/A |
| XXXX | XXXX | XXXX | XX | Closed | 2024-03-13 11:33 | 2024-03-21 21:45 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-Acknowledged by Client.<br> - Due Diligence Vendor-03/21/2024 <br>Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/13/2024 |  | Acknowledged-Acknowledged by Client.<br> - Due Diligence Vendor-03/21/2024<br>|  |  |  | XX | Second Home | Purchase | NA | 1491149 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | XX | Closed | 2024-03-05 15:13 | 2024-03-11 16:43 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation on TRID loan is missing for borrower(s) | Resolved-Evidence of valid E-consent provided. Condition cleared. - Due Diligence Vendor-03/11/2024 <br>Ready for Review-Document Uploaded. E-Consent for only borrower has been uploaded. - Seller-03/08/2024 <br>Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-03/05/2024 | Ready for Review-Document Uploaded. E-Consent for only borrower has been uploaded. - Seller-03/08/2024<br>| Resolved-Evidence of valid E-consent provided. Condition cleared. - Due Diligence Vendor-03/11/2024<br>| XXXXXXXX-consent.pdf |  |  | XX | Investment | Purchase | NA | 1471543 | N/A | N/A |
| XXXX | XXXX | XXXX | XX | Closed | 2024-03-06 16:59 | 2024-03-15 14:45 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/15/2024 <br>Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-03/06/2024 |  | Acknowledged-Acknowledged by Client. - Due Diligence Vendor-03/15/2024<br>|  |  |  | XX | Second Home | Refinance | Cash Out - Other | 1475618 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | XX | Closed | 2024-03-18 09:49 | 2024-03-21 21:45 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-Acknowledged by Client.<br> - Due Diligence Vendor-03/21/2024 <br>Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.<br> - Due Diligence Vendor-03/18/2024 |  | Acknowledged-Acknowledged by Client.<br> - Due Diligence Vendor-03/21/2024<br>|  |  |  | XX | Second Home | Purchase | NA | 1502790 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | XX | Closed | 2024-03-19 14:17 | 2024-03-19 14:17 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A.<br> - Due Diligence Vendor-03/19/2024 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A.<br> - Due Diligence Vendor-03/19/2024<br>|  |  |  | XX | Investment | Refinance | Cash Out - Other | 1507208 | Investor Post-Close | No |
| XXXX | XXXX | XXXX | XX | Closed | 2024-03-07 12:08 | 2024-03-19 14:16 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-Document Uploaded. - Due Diligence Vendor-03/19/2024 <br>Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-03/19/2024 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/07/2024 |  | Resolved-Document Uploaded. - Due Diligence Vendor-03/19/2024 <br>Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-03/19/2024<br>| XXXXXXXX_RDA.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 1477985 | N/A | N/A |

---

## Exhibit 99.15

**Exhibit 99.15 Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Alt Loan ID** | **Channel** | **Rate Lock Date** | **Application Date** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Residual Income** | **Points And Fees** | **Points And Fees Without Reductions** | **APR** | **Qualifying Interest Rate** | **Average Prime Offer Rate** | **GSE Eligibility** | **Originator QM/ATR Status** | **TPR QM/ATR Status** | **QM2.0 VSH Status** | **Non QM Reason** | **TRID** |
| 20250630002 | Broker | XX/XX/XXXX | XX/XX/XXXX | Employed |  | US |  | $X,XXX.XX | 6520 | 6520 | 0.063 | 0.05970 | 3.17 | No |  | Non-QM/Compliant | Not Applicable |  | TRID |
| 20250630005 | Broker | XX/XX/XXXX | XX/XX/XXXX | Employed |  | US |  | $X,XXX.XX | 3299 | 3299 | 0.062 | 0.05937 | 3.61 | No |  | Non-QM/Compliant | Not Applicable |  | TRID |
| 20250630008 | Broker | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Foreign National |  | $X,XXX.XX | 6524 | 6524 | 0.057 | 0.05450 | 3.76 | No |  | Non-QM/Compliant | Not Applicable |  | TRID |
| 20250630004 | Broker | XX/XX/XXXX | XX/XX/XXXX | Employed | Employed | US | US | $X,XXX.XX | 6033 | 6033 | 0.057 | 0.05580 | 3.99 | No |  | Non-QM/Compliant | Not Applicable |  | TRID |
| 20250630015 | Broker | XX/XX/XXXX | XX/XX/XXXX | Employed |  | Foreign National |  | $X,XXX.XX | 4378 | 4378 | 0.067 | 0.06200 | 3.96 | No |  | Non-QM/Compliant | Not Applicable |  | TRID |
| 20250630016 | Retail |  |  |  |  | US |  |  |  |  | 0.000 | 0.07605 |  | No |  | Not Covered/Exempt | Not Applicable |  | No |
| 20250630003 | Broker |  |  |  |  | US |  |  |  |  | 0.000 | 0.05610 |  | No |  | Not Covered/Exempt | Not Applicable |  | No |
| 20250630001 | Broker |  |  |  |  | US |  |  |  |  | 0.000 | 0.05610 |  | No |  | Not Covered/Exempt | Not Applicable |  | No |
| 20250630007 | Retail |  |  |  |  | US | US |  |  |  | 0.000 | 0.07055 |  | No |  | Not Covered/Exempt | Not Applicable |  | No |
| 20250630006 | Broker |  |  |  |  | US |  |  |  |  | 0.000 | 0.06475 |  | No |  | Not Covered/Exempt | Not Applicable |  | No |

---

## Exhibit 99.15

**Exhibit 99.15 Schedule 8**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Customer Loan ID** | **Name** | **Data Field** | **Tape Data** | **Review Data** | **Tape Discrepancy Comments** |
| XXXX | 20250630015 | XXXX | Property Type | Condo Low Rise (4 or fewer stories) | Condo High Rise (5+ stories) | Incoming Value: Condo Low Rise (4 or fewer stories)<br> Audit Value: Audit Value Pulled From Appraisal |

---

## Exhibit 99.15

**Exhibit 99.15 Schedule 9**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Alt Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Category** | **Exception Sub Category** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Loan Attributes** | **Exception Status** | **Initial Exception Grade** | **Opus Max Initial Grade** | **Final Exception Grade** | **Opus Max Grade** | **Subject to Predatory Lending** | **HUD Category** |
| XXXX | 20250630002 | 327_201_11547 | 11547 | Credit |  | Insufficient Reserves | Verified assets of $1274.41 minus cash to close of $0.00 minus the unverified earnest money deposit of $0.00 equates to 0.64 months of reserves, or $1274.41, which is less than the required 3.00 months reserves, totaling $5975.34.<br>.<br> The exception status is currently Acknowledged by Client.<br> Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated. <br> This finding is non-material and will be rated a B for all agencies. |  | (2022-04-12) This finding is non-material and will be rated a B for all agencies. | CLTV is considerably lower than the guideline maximum. Calculated CLTV is: 0.00 and the guideline is: 60.00.; FICO is higher than guidelines. FICO is: 682 and the guideline is:680. | Acknowledged by Client | 2 | 2 | 2 | 2 B | Yes |  |
| XXXX | 20250630002 | 327_201_-96658 | -96658 | Compliance |  | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR Â§1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX XXXX and the APR exceeds the Average Prime Offer Rate (3.170%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX XXXX and the APR exceeds the Average Prime Offer Rate (3.170%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (3.170%) by 3.5% or more.<br>.<br> The exception status is currently Acknowledged by Client.<br> For Informational Purposes Only  |  | (2022-04-12) For Informational Purposes Only. This finding is non-material and will be rated a B for all agencies. | CLTV is considerably lower than the guideline maximum. Calculated CLTV is: 0.00 and the guideline is: 60.00.; FICO is higher than guidelines. FICO is: 682 and the guideline is:680. | Acknowledged by Client | 2 | 2 | 2 | 2 B | Yes |  |
| XXXX | 20250630002 | 327_201_17454 | 17454 | Compliance |  | RESPA: AfBA Disclosure from Broker is Missing or Incomplete | RESPA: AfBA Disclosure from Broker is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This finding is non-material and will be rated a B for all agencies. |  | (2022-04-12) This finding is non-material and will be rated a B for all agencies. | CLTV is considerably lower than the guideline maximum. Calculated CLTV is: 0.00 and the guideline is: 60.00.; FICO is higher than guidelines. FICO is: 682 and the guideline is:680. | Acknowledged by Client | 2 | 2 | 2 | 2 B | Yes |  |
| XXXX | 20250630002 | 327_201_1392 | 1392 | Compliance |  | RESPA: AfBA Disclosure is Missing or Incomplete | RESPA: AfBA Disclosure is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This finding is non-material and will be rated a B for all agencies. |  | (2022-04-12) This finding is non-material and will be rated a B for all agencies. | CLTV is considerably lower than the guideline maximum. Calculated CLTV is: 0.00 and the guideline is: 60.00.; FICO is higher than guidelines. FICO is: 682 and the guideline is:680. | Acknowledged by Client | 2 | 2 | 2 | 2 B | Yes |  |
| XXXX | 20250630005 | 327_199_-96658 | -96658 | Compliance |  | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (12 CFR Â§1026.35(a)(1))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX XXXX and the APR exceeds the Average Prime Offer Rate (3.610%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by XXXX XXXX and the APR exceeds the Average Prime Offer Rate (3.610%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (3.610%) by 3.5% or more.<br>.<br> The exception status is currently Acknowledged by Client.<br> For Informational Purposes Only  |  | (2022-04-12) For Informational Purposes Only |  | Acknowledged by Client | 2 | 2 | 2 | 2 B | Yes |  |
| XXXX | 20250630005 | 327_199_17454 | 17454 | Compliance |  | RESPA: AfBA Disclosure from Broker is Missing or Incomplete | RESPA: AfBA Disclosure from Broker is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2022-04-12) This breach finding is non-material and will be rated a B grade. |  | Acknowledged by Client | 2 | 2 | 2 | 2 B | Yes |  |
| XXXX | 20250630005 | 327_199_1392 | 1392 | Compliance |  | RESPA: AfBA Disclosure is Missing or Incomplete | RESPA: AfBA Disclosure is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This breach finding is non-material and will be rated a B grade. |  | (2022-04-12) This breach finding is non-material and will be rated a B grade. |  | Acknowledged by Client | 2 | 2 | 2 | 2 B | Yes |  |
| XXXX | 20250630008 | 327_177_19673 | 19673 | Property |  | Missing Secondary Valuation | A valid secondary valuation supporting the origination appraisal value is not present, No valid secondary origination product, CU Score is above 2.5, No AVM in file, No BPO in file, No CDA/Desk Review in file, No Field Review in file, No 2055 in file.<br>Overall Secondary Valuation Status: No valid secondary product<br>|  | (2022-04-08) A CDA Report was provided. Variance within tolerance. Condition cleared. |  | Cleared | 3 | 3 | 1 | 1 C A | Yes |  |
| XXXX | 20250630008 | 327_177_19054 | 19054 | Credit |  | Required Documentation is Missing | The loan file is missing evidence of No Primary Housing Expense. Evidence in loan file shows property listed as primary residence on final 1003 was sold prior to subject transaction (2nd home purchase).<br>|  | (2022-04-25) Lender provided an executed LOE by borrower stating that no primary housing expenses due to living rent free with family since the sale of primary property. Final 1003 submitted reflecting current address matching LOE. Documentation submitted is deemed acceptable. Condition cleared. |  | Cleared | 3 | 3 | 1 | 1 D A | Yes |  |
| XXXX | 20250630008 | 327_177_17468 | 17468 | Compliance |  | ECOA: Appraisal Not Provided to Applicant | ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. <br>|  | (2022-04-08) Lender provided evidence that the appraisal was provided to the applicant electronically, and in a timely manner. Documentation submitted is deemed acceptable. Condition cleared. |  | Cleared | 3 | 3 | 1 | 1 C A | Yes |  |
| XXXX | 20250630008 | 327_177_17470 | 17470 | Compliance |  | ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely | ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely |  | (2022-04-08) Lender provided evidence that the appraisal was provided to the applicant electronically, and in a timely manner. Documentation submitted is deemed acceptable. Condition cleared. |  | Cleared | 2 | 2 | 1 | 1 B A | Yes |  |
| XXXX | 20250630008 | 327_177_17454 | 17454 | Compliance |  | RESPA: AfBA Disclosure from Broker is Missing or Incomplete | RESPA: AfBA Disclosure from Broker is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This finding is non-material and will be rated a B for all agencies. |  | (2022-04-05) This finding is non-material and will be rated a B for all agencies. |  | Acknowledged by Client | 2 | 2 | 2 | 2 B | Yes |  |
| XXXX | 20250630008 | 327_177_1392 | 1392 | Compliance |  | RESPA: AfBA Disclosure is Missing or Incomplete | RESPA: AfBA Disclosure is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This finding is non-material and will be rated a B for all agencies. |  | (2022-04-05) This finding is non-material and will be rated a B for all agencies. |  | Acknowledged by Client | 2 | 2 | 2 | 2 B | Yes |  |
| XXXX | 20250630004 | 327_203_957 | 957 | Compliance |  | Flood Insurance Required - Missing or Incomplete | Subject is in Flood Zone AE. Flood Insurance is required. <br>|  | (2022-04-15) Lender provided an active Flood Insurance policy for subject property. Documentation submitted is deemed acceptable. Condition cleared. |  | Cleared | 3 | 3 | 1 | 1 D A | Yes |  |
| XXXX | 20250630004 | 327_203_15949 | 15949 | Compliance |  | NQM ATR Failure - HOI, Taxes, and Assessment payments do not meet requirements | NQM ATR Failure - Monthly HOI, Taxes, Assessment payments do not meet requirements<br>Missing evidence of flood insurance. |  | (2022-04-15) Lender provided an active Flood Insurance policy for subject property. Documentation submitted is deemed acceptable. Condition cleared. |  | Cleared | 3 | 3 | 1 | 1 C A | Yes |  |
| XXXX | 20250630004 | 327_203_17454 | 17454 | Compliance |  | RESPA: AfBA Disclosure from Broker is Missing or Incomplete | RESPA: AfBA Disclosure from Broker is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This finding is non-material and will be rated a B for all agencies. |  | (2022-04-13) This finding is non-material and will be rated a B for all agencies. |  | Acknowledged by Client | 2 | 2 | 2 | 2 B | Yes |  |
| XXXX | 20250630004 | 327_203_1392 | 1392 | Compliance |  | RESPA: AfBA Disclosure is Missing or Incomplete | RESPA: AfBA Disclosure is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This finding is non-material and will be rated a B for all agencies. |  | (2022-04-13) This finding is non-material and will be rated a B for all agencies. |  | Acknowledged by Client | 2 | 2 | 2 | 2 B | Yes |  |
| XXXX | 20250630015 | 327_194_-96366 | -96366 | Compliance |  | Charges That Cannot Increase Test | This loan passed the charges that cannot increase test. (12 CFR Â§1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to Â§1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to Â§1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under Â§1026.19(e)(1)(i). This loan passed the charges that cannot increase test. (12 CFR Â§1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to Â§1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to Â§1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under Â§1026.19(e)(1)(i).<br>|  | (2022-04-13) Invalid finding, rescinded. |  | Rescind | 1 | 1 | 1 | 1 A | Yes |  |
| XXXX | 20250630015 | 327_194_15965 | 15965 | Compliance |  | Charges That in Total Cannot Increase More Than 10% Failure | This loan failed the charges that in total cannot increase more than 10% test. The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance. The final charges that in total cannot increase more than 10% exceed the comparable charges by more than 10%.<br>The Loan Estimate, dated XX/XX/XXXX, reflects the baseline 10% fees at 110% as $2,118.60. The 10% fees reflected on the final CD total $2,132.50. The loan file did not contain a valid COC to support the increase. A tolerance cure of $13.90 is required. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. |  | (2022-04-21) Lender provided letter of explanation to the borrower, copy of cure check, post-closing CD and proof of delivery. Documentation was provided within 60 days of discovery per SFA 3.0 and is deemed acceptable. This finding is non-material and will be rated a B grade. |  | Cured Post Close | 3 | 3 | 2 | 2 C B | Yes |  |
| XXXX | 20250630015 | 327_194_-96368 | -96368 | Compliance |  | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.<br>The tolerance violation is required to be cured within 60 days of discovery. |  | (2022-04-21) Lender provided letter of explanation to the borrower, copy of cure check, post-closing CD and proof of delivery. Documentation was provided within 60 days of discovery per SFA 3.0 and is deemed acceptable. This finding is non-material and will be rated a B grade. |  | Cured Post Close | 3 | 3 | 2 | 2 C B | Yes |  |
| XXXX | 20250630015 | 327_194_17468 | 17468 | Compliance |  | ECOA: Appraisal Not Provided to Applicant | ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. <br>|  | (2022-04-13) Lender provided evidence, via Certificate of E-mail Notification, to verify that the Appraisal was provided to the borrower, and in a timely manner. Documentation submitted is deemed acceptable. Condition cleared. |  | Cleared | 3 | 3 | 1 | 1 C A | Yes |  |
| XXXX | 20250630015 | 327_194_17470 | 17470 | Compliance |  | ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely | ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely |  | (2022-04-13) Lender provided evidence, via Certificate of E-mail Notification, to verify that the Appraisal was provided to the borrower, and in a timely manner. Documentation submitted is deemed acceptable. Condition cleared. |  | Cleared | 2 | 2 | 1 | 1 B A | Yes |  |
| XXXX | 20250630015 | 327_194_-96369 | -96369 | Compliance |  | Reimbursement Amount Validation Test | This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.<br>A tolerance cure of $13.90 is required. |  | (2022-04-21) Lender provided letter of explanation to the borrower, copy of cure check, post-closing CD and proof of delivery. Documentation was provided within 60 days of discovery per SFA 3.0 and is deemed acceptable. This finding is non-material and will be rated a B grade. |  | Cured Post Close | 3 | 3 | 2 | 2 C B | Yes |  |
| XXXX | 20250630015 | 327_194_17454 | 17454 | Compliance |  | RESPA: AfBA Disclosure from Broker is Missing or Incomplete | RESPA: AfBA Disclosure from Broker is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This finding is non-material and will be rated a B for all agencies. |  | (2022-04-11) This finding is non-material and will be rated a B for all agencies. |  | Acknowledged by Client | 2 | 2 | 2 | 2 B | Yes |  |
| XXXX | 20250630015 | 327_194_1392 | 1392 | Compliance |  | RESPA: AfBA Disclosure is Missing or Incomplete | RESPA: AfBA Disclosure is Missing<br>.<br> The exception status is currently Acknowledged by Client.<br> This finding is non-material and will be rated a B for all agencies. |  | (2022-04-11) This finding is non-material and will be rated a B for all agencies. |  | Acknowledged by Client | 2 | 2 | 2 | 2 B | Yes |  |
| XXXX | 20250630003 | 341_134_19061 | 19061 | Credit |  | Credit History Insufficient | The borrower was living rent free with no primary residence mortgage or rental history. Lender granted exception citing 65% LTV, 765 credit score, 193.354% DSCR, 98.57 months reserves, no public records or late payments and 10 years self-employed as compensating factors.<br>Change status of 'Credit History Insufficient' from Active to Acknowledged by Client.<br> The exception status is currently Acknowledged by Client.<br> Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated, warranting the exception to the related guideline requirement. This finding is deemed non-material and will be rated a B for all agencies.  |  | (2022-04-13) Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated, warranting the exception to the related guideline requirement. This finding is deemed non-material and will be rated a B for all agencies. | FICO is higher than guidelines. FICO is: 765 and the guideline is:740.; UW Guides require 0.00 months reserves, loan qualified with 68.57 months reserves. | Acknowledged by Client | 2 | 2 | 2 | 2 B | Not Applicable |  |
| XXXX | 20250630003 | 341_134_19042 | 19042 | Credit |  | Transaction Ineligible | Transaction is ineligible due to borrower has 16 loans financed with XXXXXX in excess of 6 maximum permitted by guidelines. Lender granted exception citing 65% LTV, 765 credit score, 193.354% DSCR, 98.57 months reserves, no public records or late payments and 10 years self-employed as compensating factors.<br>Change status of 'Transaction Ineligible' from Active to Acknowledged by Client.<br> The exception status is currently Acknowledged by Client.<br> Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated, warranting the exception to the related guideline requirement. This finding is deemed non-material and will be rated a B for all agencies.  |  | (2022-04-13) Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated, warranting the exception to the related guideline requirement. This finding is deemed non-material and will be rated a B for all agencies. | FICO is higher than guidelines. FICO is: 765 and the guideline is:740.; UW Guides require 0.00 months reserves, loan qualified with 68.57 months reserves. | Acknowledged by Client | 2 | 2 | 2 | 2 B | Not Applicable |  |
| XXXX | 20250630001 | 341_136_19061 | 19061 | Credit |  | Credit History Insufficient | The borrower was living rent free with no primary residence mortgage or rental history. Lender granted exception citing 65% LTV, 765 credit score, 175.855% DSCR, 102.34 months reserves, no public records or late payments and 10 years self-employed as compensating factors.<br>Change status of 'Credit History Insufficient' from Active to Acknowledged by Client.<br> The exception status is currently Acknowledged by Client.<br> Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated, warranting the exception to the related guideline requirement. This finding is deemed non-material and will be rated a B for all agencies.  |  | (2022-04-14) Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated, warranting the exception to the related guideline requirement. This finding is deemed non-material and will be rated a B for all agencies. | FICO is higher than guidelines. FICO is: 765 and the guideline is:740.; UW Guides require 0.00 months reserves, loan qualified with 159.38 months reserves. | Acknowledged by Client | 2 | 2 | 2 | 2 B | Not Applicable |  |
| XXXX | 20250630001 | 341_136_19042 | 19042 | Credit |  | Transaction Ineligible | Transaction is ineligible due to borrower has 16 loans financed with XXXXXX in excess of 6 maximum permitted by guidelines. Lender granted exception citing 65% LTV, 765 credit score, 175.855% DSCR, 102.34 months reserves, no public records or late payments and 10 years self-employed as compensating factors.<br>Change status of 'Transaction Ineligible' from Active to Acknowledged by Client.<br> The exception status is currently Acknowledged by Client.<br> Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated, warranting the exception to the related guideline requirement. This finding is deemed non-material and will be rated a B for all agencies.  |  | (2022-04-14) Lender provided approved exception dated prior to origination and all lender compensating factors have been documented and validated, warranting the exception to the related guideline requirement. This finding is deemed non-material and will be rated a B for all agencies. | FICO is higher than guidelines. FICO is: 765 and the guideline is:740.; UW Guides require 0.00 months reserves, loan qualified with 159.38 months reserves. | Acknowledged by Client | 2 | 2 | 2 | 2 B | Not Applicable |  |
| XXXX | 20250630006 | 341_125_19054 | 19054 | Credit |  | Required Documentation is Missing | The loan file is missing second appraisal required for non-arm's length transaction.<br>Per the purchase agreement, the borrower acted as the XXXXX XXXXX for the seller, and the subject loan qualifies as a non-arm's length transaction per Fannie Mae Selling guide, section B2-1.3-01.<br>|  | (2022-05-13) Lender provided a complete copy of a 2nd Appraisal. Documentation submitted is deemed acceptable. Condition cleared. <br> (2022-04-20) Lender submitted a copy of the Appraisal. However, said Appraisal was already provided within the original loan file. Per the purchase agreement, the borrower acted as the listing agent for the seller, and the subject loan qualifies as a non-arm's length transaction per Fannie Mae Selling guide, section B2-1.3-01. A second Appraisal performed by a different company is required for non-arm's length transactions. Condition remains. | FICO is higher than guidelines. FICO is: 800 and the guideline is:660.; UW Guides require 6.00 months reserves, loan qualified with 140.09 months reserves. | Cleared | 3 | 3 | 1 | 1 D A | Not Applicable |  |
| XXXX | 20250630006 | 341_125_17158 | 17158 | Compliance |  | Missing signed settlement statement | Settlement Statement is Only Estimated/Preliminary HUD.<br>|  | (2022-04-20) Lender provided a true and certified copy, by settlement agent, of the Master Final Settlement Statement. Documentation submitted is deemed acceptable. Condition cleared.<br>| FICO is higher than guidelines. FICO is: 800 and the guideline is:660.; UW Guides require 6.00 months reserves, loan qualified with 140.09 months reserves. | Cleared | 3 | 3 | 1 | 1 D A | Not Applicable |  |

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## Exhibit 99.15

**Exhibit 99.15 Schedule 10**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Alt Loan ID** | **Initial Loan Grade** | **Opus Max Initial Grade** | **Final Loan Grade** | **Opus Max Grade** |
| XXXX | 20250630002 | 2 | 2 | 2 | 2 B A |
| XXXX | 20250630005 | 2 | 2 | 2 | 2 B A |
| XXXX | 20250630008 | 3 | 3 | 2 | 2 D B A C |
| XXXX | 20250630004 | 3 | 3 | 2 | 2 D B A |
| XXXX | 20250630015 | 3 | 3 | 2 | 2 C B A |
| XXXX | 20250630016 | 1 | 1 | 1 | 1 A |
| XXXX | 20250630003 | 2 | 2 | 2 | 2 B A |
| XXXX | 20250630001 | 2 | 2 | 2 | 2 B A |
| XXXX | 20250630007 | 1 | 1 | 1 | 1 A |
| XXXX | 20250630006 | 3 | 3 | 1 | 1 D A |

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## Exhibit 99.15

**Exhibit 99.15 Schedule 11**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Other Updated Values** | **Other Updated Values** | **Other Updated Values** | **Other Updated Values** | **Other Updated Values** |  |
| **Alt Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **Sale Price** | **Appraisal Value** | **Appraisal Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Date** | **Second Appraisal Type** | **Field Review Value** | **Field Review Date** | **Recertification Value** | **Recertification Date** | **Variance Amount** | **Variance Percent** | **Value Used for LTV** | **Estimated Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Company** | **Model Name** | **Confidence Score** | **FSD Score** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Company** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value Updated** | **Value Date** | **Report Type** | **Variance Amount** | **Variance Percent** | **Collateral Underwriter/Loan Collateral Advisor Risk Score** |
| 20250630008 | XXXX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  | $0.00 | 0.00% | $X,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  | $X,XXX.XX | XX/XX/XXXX | $X,XXX.XX | XXXX | XXXX |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  |  |  |  | 4 |
| 20250630015 | XXXX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | XX/XX/XXXX | Form 1073 |  |  |  |  |  |  |  | $0.00 | 0.00% | $X,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  | $0.00 | 0.00% |  |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  |  |  |  | 1 |
| 20250630005 | XXXX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | XX/XX/XXXX | Form 1073 |  |  |  |  |  |  |  | $0.00 | 0.00% | $X,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  | $0.00 | 0.00% |  |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  |  |  |  | 1 |
| 20250630002 | XXXX | $X,XXX.XX |  | $X,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  | $0.00 | 0.00% | $X,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  | $0.00 | 0.00% |  |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  |  |  |  | 2.5 |
| 20250630004 | XXXX | $X,XXX.XX |  | $X,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  | $0.00 | 0.00% | $X,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  |  |  | $0.00 | 0.00% |  |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  | $0.00 | 0.00% |  |  |  |  |  | 1 |
| 20250630006 | XXXX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | XX/XX/XXXX | Form 1025 | $X,XXX.XX | XX/XX/XXXX | Form 1025 |  |  |  |  | $0.00 | 0.00% | $X,XXX.XX |  |  |  |  |  |  |  |  | $X,XXX.XX | XX/XX/XXXX | $X,XXX.XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 20250630016 | XXXX | $X,XXX.XX |  | $X,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  | $0.00 | 0.00% | $X,XXX.XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 20250630003 | XXXX | $X,XXX.XX |  | $X,XXX.XX | XX/XX/XXXX | Form 1025 |  |  |  |  |  |  |  | $0.00 | 0.00% | $X,XXX.XX |  |  |  |  |  |  |  |  | $X,XXX.XX | XX/XX/XXXX | $X,XXX.XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 20250630001 | XXXX | $X,XXX.XX |  | $X,XXX.XX | XX/XX/XXXX | Form 1025 |  |  |  |  |  |  |  | $0.00 | 0.00% | $X,XXX.XX |  |  |  |  |  |  |  |  | $X,XXX.XX | XX/XX/XXXX | $X,XXX.XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 20250630007 | XXXX | $X,XXX.XX |  | $X,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  | $0.00 | 0.00% | $X,XXX.XX |  |  |  |  |  |  |  |  | $X,XXX.XX | XX/XX/XXXX | $X,XXX.XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |

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