# EDGAR Filing Document

**Accession Number:** 0001599342
**File Stem:** 0001193125-25-136873
**Filing Date:** 2025-6
**Character Count:** 567821
**Document Hash:** f2ba413f61789b1ce55ab2310e55018c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-136873.hdr.sgml**: 20250606

**ACCESSION NUMBER**: 0001193125-25-136873

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

**PUBLIC DOCUMENT COUNT**: 11

**CONFORMED PERIOD OF REPORT**: 20250606

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

**FILED AS OF DATE**: 20250606

**DATE AS OF CHANGE**: 20250606

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PennyMac Corp.
- **CENTRAL INDEX KEY:** 0001599342

**ORGANIZATION NAME:**
- **EIN:** 800463416
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01521
- **FILM NUMBER:** 251030022

**BUSINESS ADDRESS:**
- **STREET 1:** 6101 CONDOR DRIVE, SUITE 300
- **CITY:** MOORPARK
- **STATE:** CA
- **ZIP:** 93021
- **BUSINESS PHONE:** (818) 746-2853

**MAIL ADDRESS:**
- **STREET 1:** 6101 CONDOR DRIVE, SUITE 300
- **CITY:** MOORPARK
- **STATE:** CA
- **ZIP:** 93021
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PennyMac Corp.
- **CENTRAL INDEX KEY:** 0001599342

**ORGANIZATION NAME:**
- **EIN:** 800463416
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 6101 CONDOR DRIVE, SUITE 300
- **CITY:** MOORPARK
- **STATE:** CA
- **ZIP:** 93021
- **BUSINESS PHONE:** (818) 746-2853

**MAIL ADDRESS:**
- **STREET 1:** 6101 CONDOR DRIVE, SUITE 300
- **CITY:** MOORPARK
- **STATE:** CA
- **ZIP:** 93021
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PennyMac Corp.
- **CENTRAL INDEX KEY:** 0001599342

**ORGANIZATION NAME:**
- **EIN:** 800463416
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01521

**BUSINESS ADDRESS:**
- **STREET 1:** 6101 CONDOR DRIVE, SUITE 300
- **CITY:** MOORPARK
- **STATE:** CA
- **ZIP:** 93021
- **BUSINESS PHONE:** (818) 746-2853

**MAIL ADDRESS:**
- **STREET 1:** 6101 CONDOR DRIVE, SUITE 300
- **CITY:** MOORPARK
- **STATE:** CA
- **ZIP:** 93021

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549** 

**FORM ABS-15G** 

**ASSET-BACKED SECURITIZER** 

**REPORT PURSUANT TO SECTION 15G OF** 

**THE SECURITIES EXCHANGE ACT OF 1934** 

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

☐ **Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period to<u> </u>** 

**Date of Report (Date of earliest event reported)** 

**Commission File Number of securitizer:** 

**Central Index Key Number of securitizer:** 

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

**contact in connection with this filing.** 

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

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

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

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

Central Index Key Number of securitizer: 0001599342

## PMT Loan Trust 2025-J1
**(Exact name of issuing entity as specified in its charter)** 

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

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

**Chris White** 

**(805) 530-5829** 

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

**contact in connection with this filing** 

------

**PART I: REPRESENTATION AND WARRANTY INFORMATION** 

**Item 1.01 Initial Filing of Rule 15Ga-1 Representations and Warranties Disclosure** 

N/A

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

N/A

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

N/A

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

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

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

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

N/A

------

**EXHIBIT INDEX** 

---

| | |
|:---|:---|
| 99.1 | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](d946428dex991.htm) |
| 99.2 | [Clayton Conditions Report](d946428dex992.htm) |
| 99.3 | [Clayton Rating Agency ATR QM Data Fields](d946428dex993.htm) |
| 99.4 | [Clayton Loan Level Tape Compare Upload](d946428dex994.htm) |
| 99.5 | [Clayton Valuations Summary](d946428dex995.htm) |

---

------

**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.

---

| | |
|:---|:---|
| PennyMac Corp. | PennyMac Corp.<br>(Securitizer) |
| Date | June 6, 2025 |
| /s/ Daniel S. Perotti | /s/ Daniel S. Perotti<br> (Signature) |
| By: | Daniel S. Perotti |
| Title: | Senior Managing Director and Chief Financial Officer |

---

## Exhibit 99.1

**EXHIBIT 99.1** 

**CLAYTON SERVICES LLC ("CLAYTON") DUE DILIGENCE NARRATIVE REPORT** 

------

![LOGO](g946428g0606050907683.jpg)

![LOGO](g946428g00m02.jpg)

![LOGO](g946428g00m03.jpg)

**June 4, 2025**<br>**Due Diligence Narrative Report**<br>

------

![LOGO](g946428g02a01.jpg)

---

| | | | |
|:---|:---|:---|:---|
| **TABLE OF CONTENTS** | **TABLE OF CONTENTS** | **TABLE OF CONTENTS** |  |
|  **Clayton Contact Information** |  | **2** |  |
|  **Overview** |  | **2** |  |
|  **Originators** |  | **2** |  |
|  **Clayton's Third Party Review ("TPR") Scope of Work** |  | **2** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sampling* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sponsor Acquisition Criteria* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Loan Grading* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *TPR Component Review Scope* | | *4* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Credit Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property Valuation Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Regulatory Compliance Review |  | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Integrity* | | *7* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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** |  |

---

PMT Loan Trust 2025-J1 Page \| 1 June 4, 2025

------

![LOGO](g946428g02a01.jpg)

**CLAYTON CONTACT INFORMATION** 

Client Service Management:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Chris Turk** Senior Client Service Manager

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Joe Ozment** Vice President – Client Services & Securitization

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

**OVERVIEW** 

On behalf of PennyMac Corp. ("PennyMac"), Clayton conducted an independent third-party pre-securitization due diligence review of 274 residential loans selected for the PMT Loan Trust 2025-J1 transaction. The loans referenced in this narrative report were reviewed on a bulk basis in May 2025. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**ORIGINATORS** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
|  Broker | 33 | 12.04% |
|  Correspondent Flow with delegated underwriting | 230 | 83.94% |
|  Correspondent Flow without delegated underwriting | 10 | 3.65% |
|  Retail | 1 | 0.36% |
|  **Total** | **274** | **100.00%** |

---

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

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, were performed in accordance with rating agency<sup>1</sup> loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

<sup>1</sup> Standard and Poor's, Moody's, Fitch, Kroll, DBRS & Morningstar

PMT Loan Trust 2025-J1 Page \| 2 June 4, 2025

------

![LOGO](g946428g02a01.jpg)

**Sampling** 

Upon receipt of Asset Tape, Diligence provider randomly selected 274 Purchased Mortgage loans listed thereon, excluding Wet Loans. 100% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| *Review Type* | *Loan Count*<br> *Reviewed by Clayton* | *Scope Applied* |
| **Full Review** | 274 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 274 |  |

---

**Sponsor Acquisition Criteria** 

The loans were originated to each Seller's Guidelines and Clayton reviewed the loans to the Agency Seller Guide Loan Eligibility Requirements, ("Sponsor Acquisition Criteria"). Clayton was supplied with all of the changes to the guidelines with advance notice.

**Loan Grading** 

Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton 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 waivers. The compliance exception report lists all exceptions within a loan.

PMT Loan Trust 2025-J1 Page \| 3 June 4, 2025

------

![LOGO](g946428g02a01.jpg)

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

![LOGO](g946428g0606050907231.jpg)

**TPR COMPONENT REVIEW SCOPE** 

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

CREDIT REVIEW

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton 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;&nbsp;&nbsp;&nbsp;&nbsp;• 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

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

PMT Loan Trust 2025-J1 Page \| 4 June 4, 2025

------

![LOGO](g946428g02a01.jpg)

For loans reviewed in a post-close valuation review scenario:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On 88 loans, a CU score of 2.5 or less was available in the loan files to show supported value.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On 130 Loans, a Desk Review was available in the loan files to show supported value.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On 45 loans, an Automated Valuation Model ("AVM") was available in file to show supported value.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On 10 files, a second 1004 Full Appraisal was available in file to show supported value.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On 1 loan, a Field Review was available in file to show supported value.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If a loan with an AVM fell outside of a -10% tolerance or was
inconclusive, then a Desk Review was made available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. On 1 loan that the AVM did not support value within -10%, a Desk Review
was made available to show the required support for value.

REGULATORY COMPLIANCE REVIEW

Clayton's Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to <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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Notice of Right to Cancel (Right of Rescission) adherence if applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• TIL Disclosure Timing (3/7/3) and disclosure content;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• TIL APR and Finance charge tolerances;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Timeliness of ARM Disclosures (if applicable);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Section 32 APR and Points and Fees Thresholds and prohibited practices;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prepayment Penalty restrictions.

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

PMT Loan Trust 2025-J1 Page \| 5 June 4, 2025

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![LOGO](g946428g02a01.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GFE initial disclosure timing and content;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed the file contains the final HUD1 Settlement Statement;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Homeownership Counseling Notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Affiliated Business Disclosure if applicable.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On, June 15th, SFIG published its RMBS 3.0 TRID Compliance Review Scope <sup>©</sup> 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Clayton applied the enhanced RMBS 3.0 TRID Compliance Review Scope to all the loans in this transaction. <u>Compliance Review (Business Purpose, Non-Owner Occupied)</u> 

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

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

State and Federal High Cost and Higher-Priced:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Chicago High Cost Ordinance

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

Anti-predatory lending laws

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

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

Prepayment Penalties and Late Charges in certain states

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Escrow of insurance payments

PMT Loan Trust 2025-J1 Page \| 6 June 4, 2025

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![LOGO](g946428g02a01.jpg)

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

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

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

PMT Loan Trust 2025-J1 Page \| 7 June 4, 2025

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![LOGO](g946428g02a01.jpg)

**DATA COMPARE RESULTS** 

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

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
|  Borrower 1 Self Employed Flag | 5 | 98.18% |
|  Borrower 1 Total Income | 6 | 97.81% |
|  Borrower 2 Self Employed Flag | 2 | 99.27% |
|  Cash Reserves | 210 | 23.36% |
|  Combined LTV | 12 | 95.62% |
|  Credit Report Date | 10 | 96.35% |
|  Debt to Income Ratio (Back) | 8 | 97.08% |
|  Disbursement Date | 12 | 95.62% |
|  Loan Purpose | 3 | 98.91% |
|  Min Number | 29 | 89.42% |
|  Original Appraisal Date | 5 | 98.18% |
|  Original Appraised Value | 1 | 99.64% |
|  Original LTV | 11 | 95.99% |
|  Origination Channel | 5 | 98.18% |
|  Product Type | 2 | 99.27% |
|  Property City | 2 | 99.27% |
|  Property Type | 10 | 96.35% |
|  Property Zip | 1 | 99.64% |
|  Sales Price | 4 | 98.54% |
|  Total Cash Out | 5 | 98.18% |
|  Total Monthly Income | 2 | 99.27% |

---

PMT Loan Trust 2025-J1 Page \| 8 June 4, 2025

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![LOGO](g946428g02a01.jpg)

**CLAYTON DUE DILIGENCE RESULTS** 

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

**Initial and Final Overall Loan Grade Results** 

<u>Loan Pool (274 loans)</u>

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 166 |  | 13 | 31 | **210** |
| **Final** | **B** |  | 37 | 13 | 14 | **64** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **166** | **37** | **26** | **45** | **274** |

---

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** | 248 |  | 8 | 15 | **271** |
| **Final** | **B** |  | 3 |  |  | **3** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **248** | **3** | **8** | **15** | **274** |

---

**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** | 240 |  | 2 | 31 | **273** |
| **Final** | **B** |  |  |  | 1 | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **240** | **0** | **2** | **32** | **274** |

---

**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** | 201 |  | 9 | 4 | **214** |
| **Final** | **B** |  | 43 | 16 | 1 | **60** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **201** | **43** | **25** | **5** | **274** |

---

PMT Loan Trust 2025-J1 Page \| 9 June 4, 2025

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![LOGO](g946428g02a01.jpg)

**CLAYTON THIRD PARTY REPORTS DELIVERED** 

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. RA ATR QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Standard Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Valuations Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Narrative Report

PMT Loan Trust 2025-J1 Page \| 10 June 4, 2025

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![LOGO](g946428g02a01.jpg)

**APPENDIX A: CREDIT REVIEW SCOPE** 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• LTV/TLTV/HLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit score

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assets and reserves

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Citizenship status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Non- occupant co-borrower

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum loan amount

&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;• Occupancy

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Initial loan application was in the loan file and was signed by all borrowers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Final loan application was in the loan file and was complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Information and debts disclosed on loan application aligned with related documentation in the loan file

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verbal and/or written verifications of employments (VVOE, VOE)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CPA letter

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Business licenses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tax transcripts (IRS Form 4506-T)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Required income documentation for all borrowers was present and within required time period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Documents did not appear to have been altered or inconsistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• IRS Form 4506-T

&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;• Compared IRS tax transcripts to income documentation and noted any inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income was recalculated and was documented with applicable documentation, including:

&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;• Financial statements

&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;• W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 1099

PMT Loan Trust 2025-J1 Page \| 11 June 4, 2025

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![LOGO](g946428g02a01.jpg)

&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;• Bank statements

&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;• Award letters

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Asset review included:

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

&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;• Stock or security account statements

&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;• Settlements statements

&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;• Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit Report review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Complete copy of report was in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Report was dated within required timeframe

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• All borrowers were included in the report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Checked any fraud alerts against related loan file documentation

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Captured and utilized appropriate credit score for guideline review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Title interest – determined if

&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;• Leasehold estate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appropriate vestee(s) were listed on title policy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Amount of coverage was greater than or equal to the original principal amount of the mortgage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Applicable title endorsements were present

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Captured monthly tax payments in debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• HUD1 (Settlement Statement) review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Funds to close identified and analyzed against borrower's assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Seller contributions did not exceed maximum allowed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subject property, seller and borrower aligned with other loan documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Disbursements and pay-offs included in debt ratio calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan purpose confirmed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Hazard/Flood insurance review included:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Verified presence of required hazard insurance and flood insurance (if required)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that any required insurance was for the:

&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;• Correct property

PMT Loan Trust 2025-J1 Page \| 12 June 4, 2025

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![LOGO](g946428g02a01.jpg)

&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;• Correct loan number

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that any required insurance minimum coverage amount and policy period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reviewed for evidence that any required insurance policy premium was paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that the mortgagee clause listed the lender's name and "its successors and assigns"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determined if mortgage insurance is required

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Borrower identity

&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;• Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Occupancy

&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;• Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Employment

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

&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;• Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• OFAC

PMT Loan Trust 2025-J1 Page \| 13 June 4, 2025

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![LOGO](g946428g02a01.jpg)

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal report form, certification, statement of limiting conditions and scope of work

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accurate identification of the subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accurate identification of the subject loan transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Accurate identification of the property type, in both land and improvements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• All required attachments including:

&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;• 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;• Photos of all comparable sales and listings

&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;• Exterior sketch of property with dimensions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 1004MC Market Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all
material conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal date met supplied Sponsor Acquisition Criteria

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the
appraiser's license included in the appraisal.

PMT Loan Trust 2025-J1 Page \| 14 June 4, 2025

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![LOGO](g946428g02a01.jpg)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• USPAP

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Comps used were located reasonably close to the subject property and if not the reason was satisfactorily
explained

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Comps used were reasonably recent in transaction date and if not the reason was furnished

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Comps used were reasonably similar to the subject property and if not an explanation was supplied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material
conditions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property usage was reviewed for zoning compliance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Property utilization was reviewed to determine it was "highest and best use"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Neighborhood values were reviewed to determine if declining

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Market conditions were reviewed to determine indication of possible marketability issues:

&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;• % built up

&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;• Demand/supply

&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;• Predominant occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Physical condition of the property was reviewed to determine that the property condition was average or better

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Style of property was reviewed to determine if unique property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Any health and safety issues were noted and/or remediated

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Unique properties

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mixed-use properties

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

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

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

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

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

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

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

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

G. Desk Review definitions

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ProTeck's Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file
completed by a licensed appraiser. The ARR validates subject and comparable data and characteristics, confirms the original appraiser's methodologies, credentials, and commentary to insure compliance with regulatory requirements and industry
accepted best practices, and flags all risk factors while also providing 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;&nbsp;&nbsp;• GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final
Rule that became mandatory on January 1, 2010

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm
the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten
in accordance with Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA
prepayment penalty restrictions (Section 43)

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

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

On, June 15th, SFIG published its RMBS 3.0 TRID Compliance Review Scope <sup>©</sup> 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.

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

---

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

---

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

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

---

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

---

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

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

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

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

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

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

---

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

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

---

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

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**<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.

<sup>©</sup> 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.

PMT Loan Trust 2025-J1 Page \| 21 June 4, 2025

## Exhibit 99.2

**EXHIBIT 99.2** 

**CLAYTON CONDITIONS REPORT** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2025-J1 Securitization_J15739** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *274* |
| ***Loans with Conditions:*** | *114* |

---

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;**49 - Total Active Conditions** |
| **49 - Non-Material Conditions** |
| 3 - Credit Review Scope |
| 1 - Category: Credit/Mtg History |
| 2 - Category: Income/Employment |
| 46 - Compliance Review Scope |
| 43 - Category: RESPA |
| 3 - Category: Right of Rescission |
| &nbsp;&nbsp;&nbsp;**132 - Total Satisfied Conditions** |
| 26 - Credit Review Scope |
| 1 - Category: Ability to Repay/Qualified Mortgage |
| 1 - Category: Assets |
| 1 - Category: Credit/Mtg History |
| 6 - Category: DTI |
| 4 - Category: Income/Employment |
| 7 - Category: Insurance |
| 3 - Category: Legal Documents |
| 3 - Category: Terms/Guidelines |
| 36 - Property Valuations Review Scope |
| 32 - Category: Appraisal |
| 2 - Category: FEMA |
| 1 - Category: Property |
| 1 - Category: Value |
| 70 - Compliance Review Scope |
| 12 - Category: Ability to Repay/Qualified Mortgage |
| 1 - Category: APR Tolerance |
| 5 - Category: Documentation |
| 2 - Category: Finance Charge Tolerance |
| 1 - Category: RESPA |
| 2 - Category: Right of Rescission |
| 1 - Category: State Late Charges |
| 46 - Category: TILA/RESPA Integrated Disclosure |
| &nbsp;&nbsp;&nbsp;**1 - Total Waived Conditions** |
| 1 - Property Valuations Review Scope |
| 1 - Category: FEMA |

---

<sup>©</sup>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.

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2025-J1 Securitization_J15739** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *274* |
| ***Loans with Conditions:*** | *114* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | FL | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br>- Clayton Comments: Post close assets are$300,564.66 or 36 months PITI. No reserves are required by AUS<br>CFCFS1744: DTI below guideline requirement<br>- Clayton Comments: DTI 20.75% is below DTI 45%<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Verified credit score 795 required score 700. |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | CA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Verified XXX FICO score. Minimum required 700.<br>CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: Borrower has stable and consistent work history with current employer with 18.5 years of employment.<br>CFCFS1735: Co-Borrower has significant time at current job<br>- Clayton Comments: Co-Borrower has stable and consistent employment with current employer working 12 years. |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | UT | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's status<br>determination. | No | Fees exceed<br>3%. Provide<br>verification<br>there is a<br>bonafide fee. | 5/12/2025:<br>Received<br>verification of<br>bonafide fee.<br>Undiscounted<br>rate is 7.625%.<br>Loan is now<br>QM SH. | 5/13/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Median FICO 748 > is above guideline minimum credit score 700.<br>CFCFS2854: Significant time in profession<br>- Clayton Comments: Significant time in profession, 9 years. |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | UT | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2904 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>is not a<br>Qualified<br>Mortgage. | No | Loan subject<br>to Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; is not a<br>Qualified<br>Mortgage.<br>The fees are<br>over 3%. | 5/12/2025:<br>Received<br>verification of<br>bonafide fee.<br>Undiscounted<br>rate is 7.625%.<br>Loan is now<br>QM SH. | 5/13/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Median FICO 748 > is above guideline minimum credit score 700.<br>CFCFS2854: Significant time in profession<br>- Clayton Comments: Significant time in profession, 9 years. |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | UT | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not all<br>required seller-<br>paid fees were<br>disclosed on<br>the CD | No | Seller fees<br>were able to<br>be sourced<br>from the<br>sellers CD<br>document.<br>Consistent<br>with the SFA<br>Trid Grid, we<br>are satisfying<br>to 1/A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Median FICO 748 > is above guideline minimum credit score 700.<br>CFCFS2854: Significant time in profession<br>- Clayton Comments: Significant time in profession, 9 years. |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | CA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br>- Clayton Comments: Significant time in profession, 8 years.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: 772 FICO exceeds program min allowable of 720. |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | FL | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | 5/14/2025:<br>Exception<br>added:<br>Missing<br>AVM to<br>support<br>appraised<br>value. HVE in<br>the file cannot<br>be used. Third<br>party vendor<br>must provide<br>report. | 5/16/2025:<br>Received XXX<br>AVM<br>supporting<br>value. | 5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: Borrower has successfully XXX and operated XXX. for 10.1 years generating stable monthly income.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Verified 722 FICO score. Minimum required 700. |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | AZ | QM:<br>Rebuttable<br>Presumption<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Borrower Representative Score: 743<br>CFCFS1742: Consumer credit history exceeds guidelines<br>- Clayton Comments: Consumer credit show 0x30x99<br>CFCFS2854: Significant time in profession<br>- Clayton Comments: Borrower has been in this line of work in the past: 30 years |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | XXXXXX | NC | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Verified 758 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement<br>- Clayton Comments: DTI > 8 points below guideline maximum |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | VA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA (or CU)<br>score is >2.5. | 5/16/2025:<br>Received XXX<br>AVM<br>supporting<br>value. | 5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: Borrower has successfully maintained current employment with present employer for 12 years.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Verified 781 FICO score. Minimum required 700. |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | VA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br>- Clayton Comments: 8 YEARS 8 MONTHS AT current HOME<br>CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: 16 YEARS AT CURRENT JOB |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | XXXXXX | CA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Verified 763 FICO score. Minimum required 700.<br>CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: Borrower has successfully owned and operated his XXX for 7 years that has created stable monthly income.<br>CFCFS1735: Co-Borrower has significant time at current job<br>- Clayton Comments: Borrower has consistent and stable work history maintaining employment with current employed for 8.4 years. |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | XXXXXX | CO | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance<br>Effective date<br>is greater than<br>the transaction<br>date | No | HOI Effective<br>date<br>03/03/2025.<br>Final CD<br>Disbursement<br>date XXX.<br>HOI Effective<br>cannot be<br>later than<br>disbursement<br>date. | 5/13/2025:<br>Received<br>corrected HOI<br>dec page. | 5/14/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Median FICO > 71 points above guideline minimum<br>CFCFS1736: Significant time at current residence<br>- Clayton Comments: Borrower has 7 years at current job<br>CFCFS1740: Mortgage payment history exceeds guidelines<br>- Clayton Comments: Borrower Mortgage payment 0x30x79 |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | XXXXXX | CO | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard<br>Insurance<br>documentation<br>in file is<br>incomplete | No | Provide<br>updated HOI<br>Dec page for<br>subject<br>correcting<br>subject<br>address from<br>XXX to XXX | 5/13/2025:<br>Received<br>corrected HOI<br>dec page. | 5/14/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Median FICO > 71 points above guideline minimum<br>CFCFS1736: Significant time at current residence<br>- Clayton Comments: Borrower has 7 years at current job<br>CFCFS1740: Mortgage payment history exceeds guidelines<br>- Clayton Comments: Borrower Mortgage payment 0x30x79 |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | FL | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU/LCA<br>score is >2.5.<br>Missing<br>updated<br>valuation to<br>support value. | 5/16/2025:<br>Received XXX<br>AVM<br>supporting<br>value. | 5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Median FICO > 40 points above guideline minimum |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | CA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Median FICO 780 > 60 points above guideline program minimum of 720.<br>CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: Borrower has significant time at current job, 5 years and 5 months.<br>CFCFS1744: DTI below guideline requirement<br>- Clayton Comments: 21.78% DTI below guideline requirement of 50%. |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | NJ | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: Borrower has significant time at current job, 11 years and 2 months.<br>CFCFS1744: DTI below guideline requirement<br>- Clayton Comments: 11.51% DTI below guideline requirement of 50%.<br>CFCFS2860: Good credit history<br>- Clayton Comments: Median FICO 789 >8 9 points above guideline program minimum of 700. |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | WA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's status<br>determination. | No | Clayton<br>verified Safe<br>Harbor<br>(APOR).<br>Missing<br>lender QM<br>determination.<br>Tape shows<br>ATR Exempt | 5/13/2025:<br>Lender verified<br>SH. | 5/14/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: FICO of 800 exceeds guidelines.<br>CFCFS1744: DTI below guideline requirement<br>- Clayton Comments: DTI of 23.9 below guidelines.<br>CFCFS2854: Significant time in profession<br>- Clayton Comments: B1 has 15 years in profession. |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | NJ | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: B1 has 10 years at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br>- Clayton Comments: B2 has 6 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Credit score of 778 exceeds guidelines |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | XXXXXX | UT | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Verified 805 FICO score. Minimum required 700.<br>CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: Borrower has successfully maintained stable employment with current employed for 13 years. |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | WA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's status<br>determination. | No | Adjusted<br>Charges of<br>$30,584.40<br>exceeds<br>maximum<br>charges of<br>3.000% or<br>$27,491.87 by<br>0.338% or<br>$3,092.53.<br>Missing<br>starting rate<br>prior to<br>discount<br>points. | 5/15/25 -<br>Lender<br>provided<br>Bonafide Fee<br>Worksheet<br>showing the<br>undiscounted<br>rate and points<br>applied. | 5/15/25 -<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | (No Data) |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | WA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2904 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>is not a<br>Qualified<br>Mortgage. | No | Adjusted<br>Charges of<br>$30,584.40<br>exceeds<br>maximum<br>charges of<br>3.000% or<br>$27,491.87 by<br>0.338% or<br>$3,092.53.<br>Missing<br>starting rate<br>prior to<br>discount<br>points. | 5/15/25 -<br>Lender<br>provided<br>Bonafide Fee<br>Worksheet<br>showing the<br>undiscounted<br>rate and points<br>applied. | 5/15/25 -<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | (No Data) |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | WA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $774.40<br>due to<br>increase in<br>Discount<br>Points from<br>$10,180.69 on<br>CD XX/XX/<br>XXXX to<br>$10,955.40 on<br>CD XX/XX/<br>XXXX.<br>Missing a<br>valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 5.09.2025<br>-COC provided. | 05.09.2025 -<br>Exception satisfied | (No Data) | Not<br>Applicable | (No Data) |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | FL | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Credit | Income/<br>Employment | Active B | CRDINC3204 | Income<br>Documentation<br>Missing | No | Provide<br>FHLMC<br>Form 91 or<br>similar<br>showing<br>lender income<br>calculations.<br>Required per<br>LP FEI0070. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br>- Clayton Comments: 6 years 6 months as an XXX<br>CFCFS1744: DTI below guideline requirement<br>- Clayton Comments: Low 29.65% DTI with MAX of 50 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | CA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: Borrower has 21 years at current job<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Verified 777 FICO score. Minimum required 620 |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | OR | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: Borrower has successfully XXX and operated his business for 14 years maintaining stable monthly income.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Verified 785 FICO score. Minimum required 700. |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | CA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Verified 803 FICO score. Minimum required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br>- Clayton Comments: Borrower has verified cash reserves of $53,606.28. |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | WA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: FICO of 778 exceeds guidelines of 620<br>CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: B1 has 7 years at current job. |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | HI | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $16.00 due<br>to increase in<br>Credit Report<br>Fee from<br>$150 on LE<br>XX/XX/<br>XXXX to<br>$166.00 on<br>CD XX/XX/<br>XXXX.<br>Missing a<br>valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 5.23.2025<br>Lender<br>provided refund<br>for 16.00 copy<br>of check and<br>lox with fed ex<br>number | 5.23.2025<br>Exception<br>Satisfied | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br>- Clayton Comments: Co-borrower has successfully retained employment as a XXX for 24 years.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Verified 800 FICO score. Minimum required 700.<br>CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: Borrower has stable employment with currently employer of 15 years. |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | GA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification of<br>employment<br>missing | No | Missing<br>verbal<br>verification of<br>employment<br>for both<br>borrowers.<br>Internet<br>screenshots<br>are not dated. | 5/5/2025<br>Received<br>verification of<br>business<br>existence dated<br>within<br>tolerance. | 5/9/2025<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Median FICO 761 is greater than guideline minimum 700.<br>CFCFS1739: Positive mortgage payment history<br>- Clayton Comments: Borrower has 0x30x50 positive mortgage payments.<br>CFCFS2854: Significant time in profession<br>- Clayton Comments: Borrower's have been in same profession for over 6 years. |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | XXXXXX | CA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's status<br>determination. | No | Missing<br>Lender QM<br>determination<br>documented<br>in the file.<br>Clayton<br>verified Safe<br>Harbor<br>(APOR).<br>Tape value<br>shows ATR<br>Exempt. | 5/12/2025:<br>Lender verified<br>Safe Harbor. | 5/13/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: Borrower has stable and consistent Employment working with current employer 22.3 years.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Verified 782 FICO score. Minimum required 700 |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | CA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Verified 792 FICO score. Minimum required 700.<br>CFCFS2854: Significant time in profession<br>- Clayton Comments: Borrower has worked as a XXX for 20 years with consistent and stable employment with XXX. |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | CA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: Borrower has stable and consistent employment working with current employer for 15.4 years.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Verified 795 FICO score. Minimum required 700. |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | WA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br>- Clayton Comments: The HCLTV is 69.07 and guidelines allow the HCLTV to be 89.99%<br>CFCFS2854: Significant time in profession<br>- Clayton Comments: The borrower has been in XXX profession for 18 years. |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | UT | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's status<br>determination. | No | Missing<br>Lender QM<br>determination<br>documented<br>in the file.<br>Tape value<br>shows ATR<br>Exempt.<br>Clayton<br>verified Safe<br>Harbor<br>(APOR). | 5/13/2025:<br>Lender verified<br>SH. | 5/14/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: 767 FICO, 700 minimum<br>CFCFS1737: LTV below guideline requirements<br>- Clayton Comments: 76.71 LTV, 89.99% max |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | UT | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: 767 FICO, 700 minimum<br>CFCFS1737: LTV below guideline requirements<br>- Clayton Comments: 76.71 LTV, 89.99% max |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | UT | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA (or CU)<br>score is >2.5. | 5/14/2025:<br>Received XXX<br>HVE. Cannot<br>be used. AVM<br>is required and<br>must be<br>completed by<br>third<br>party.5/16/2025:<br>Received XXX<br>AVM<br>supporting<br>value. | 5/14/2025:<br>Exception<br>remains.5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: 767 FICO, 700 minimum<br>CFCFS1737: LTV below guideline requirements<br>- Clayton Comments: 76.71 LTV, 89.99% max |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | XXXXXX | WA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br>- Clayton Comments: The borrowers have occupied the primary residence for 20 years.<br>CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: B1 has been with the employer for 25 years 5 months.<br>CFCFS1749: Additional documented income not used in qualifying<br>- Clayton Comments: B1: Commission Income: $79,996.41 YTD + $28,844.32 2023= $108,840.73/21.97 months = $4,954.06; however, this income was not used to qualify for the mortgage.<br>CFCFS1731: Verified cash reserves exceed guidelines<br>- Clayton Comments: Post-Closing reserves $1,252,941.55 exceed $18,330.73 required. |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | FL | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br>- Clayton Comments: 33.06% DTI below guideline requirement of 50%.<br>CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: Borrower has significant time at current job, 4 years and 9 months.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Median FICO 781 > 81 points above guideline program minimum of 720. |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | MA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Missing 2023<br>1040 tax<br>transcripts per<br>guidelines.<br>Guidelines<br>require tax<br>transcripts for<br>the most<br>recent one<br>years personal<br>returns are<br>required. File<br>contains 2022<br>1040 Tax<br>Transcripts. | 5/8/2025<br>Received 2023<br>1040<br>transcripts.<br>Supports 1040<br>in file. | 5/9/2025<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br>- Clayton Comments: The borrower has been in the profession for 30 years.<br>CFCFS1736: Significant time at current residence<br>- Clayton Comments: Borrower has owned primary residence for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Per guidelines, the minimum credit score is 720. Loan closed with a credit score of 783. |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | MA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation | No | $96.25 Zero<br>Percent<br>Tolerance<br>Violation due<br>to CDA<br>Appraisal fee<br>added at or<br>prior to<br>closing<br>without a<br>valid Change<br>in<br>Circumstance.<br>Requires CIC,<br>or corrected<br>PCCD, copy<br>of refund<br>check, LOX<br>and<br>verification of<br>shipping. | 05.09.2025 -<br>COC for CDA<br>Appraisal fee<br>received. | 05.09.2025 -<br>Exception satisfied | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br>- Clayton Comments: The borrower has been in the profession for 30 years.<br>CFCFS1736: Significant time at current residence<br>- Clayton Comments: Borrower has owned primary residence for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Per guidelines, the minimum credit score is 720. Loan closed with a credit score of 783. |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | MA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC2408 | Income<br>verification<br>does not meet<br>guidelines | No | Missing 2023<br>1040 tax<br>transcripts per<br>guidelines.<br>Guidelines<br>require tax<br>transcripts for<br>the most<br>recent one<br>years personal<br>returns are<br>required. File<br>contains 2022<br>1040 Tax<br>Transcripts. | 5/8/2025<br>Received 2023<br>1040<br>transcripts.<br>Supports 1040<br>in file. | 5/9/2025<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br>- Clayton Comments: The borrower has been in the profession for 30 years.<br>CFCFS1736: Significant time at current residence<br>- Clayton Comments: Borrower has owned primary residence for 15 years.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Per guidelines, the minimum credit score is 720. Loan closed with a credit score of 783. |
| &nbsp;&nbsp;&nbsp;34 | XXXXXX | XXXXXX | VA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Borrower Representative Score:790<br>CFCFS1742: Consumer credit history exceeds guidelines<br>- Clayton Comments: Consumer credit show 0x30x82<br>CFCFS2854: Significant time in profession<br>- Clayton Comments: Borrower has been in this line of work in the past: 22 years |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | NJ | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Verified 796 median FICO. Minimum required 740.<br>CFCFS1737: LTV below guideline requirements<br>- Clayton Comments: Verified 42.22% LTV. Max allowed 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br>- Clayton Comments: Verified $159,093.83 in post-closing reserves or 12.26 months PITI. DU requires $38,644.40.<br>CFCFS1744: DTI below guideline requirement<br>- Clayton Comments: Verified 16.21% DTI. Max allowed 50%.<br>CFCFS2854: Significant time in profession<br>- Clayton Comments: B1 has 6 years 3 months in same line of work. B2 has 6 years 3 months in same line of work.<br>CFCFS1736: Significant time at current residence<br>- Clayton Comments: Borrowers have 5 years 7 months at current residence.<br>CFCFS1739: Positive mortgage payment history<br>- Clayton Comments: Mortgage history reports 40 mos. 0x30. |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | XXXXXX | CA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: 752 FICO exceeds program min allowable of 720.<br>CFCFS1744: DTI below guideline requirement<br>- Clayton Comments: 37.35% DTI is below program max allowable of 50%. |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | UT | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliated<br>Business<br>Disclosure<br>and/or Facts<br>Notification | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Median FICO 780 > is above guideline minimum credit score 720.<br>CFCFS2854: Significant time in profession<br>- Clayton Comments: Significant time in profession, 31 years. |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | CO | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Borrower Representative Score: 796<br>CFCFS1742: Consumer credit history exceeds guidelines<br>- Clayton Comments: Consumer credit show 0x30x99 |
| &nbsp;&nbsp;&nbsp;39 | XXXXXX | XXXXXX | WA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br>- Clayton Comments: B2 has 27 years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Fico of 786 exceeds guideline of 620 |
| &nbsp;&nbsp;&nbsp;40 | XXXXXX | XXXXXX | CO | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient<br>Hazard<br>Insurance<br>Coverage | No | Loan amount<br>is $XXX.<br>HOI<br>Coverage is<br>$XXX. guides<br>require 100%<br>coverage for<br>Coverage A<br>or verification<br>of GRC or an<br>RCE. | 5/6/2025<br>Received RCE<br>with<br>replacement<br>costs $XXX.<br>Supports<br>coverage of<br>$XXX is<br>sufficient. | 5/9/2025<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Credit score of 789 exceeds guideline score of 620<br>CFCFS2860: Good credit history<br>- Clayton Comments: 0.30 since 2018 |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | IL | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: 15 years at current job<br>CFCFS1744: DTI below guideline requirement<br>- Clayton Comments: DTI 34.40% is blow guideline maximum of 45%<br>CFCFS1737: LTV below guideline requirements<br>- Clayton Comments: LTV 57.56% is below guideline maximum of 89.99% |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | MA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br>- Clayton Comments: 31.771% LTV is below guideline requirements of 89.99% LTV.<br>CFCFS1744: DTI below guideline requirement<br>- Clayton Comments: 41.99% DTI below guideline requirement of 50%.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Median FICO 810 > 110 points above guideline program minimum of 810. |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | CA | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance<br>Effective date<br>is greater than<br>the transaction<br>date | No | Lender to<br>provide<br>updated<br>Hazard<br>Insurance Dec<br>page with<br>correct<br>effective<br>dates. Loan<br>Disbursed on<br>XXX and<br>Effective<br>dates on Dec<br>Page are<br>12/31/24 to<br>12/31/25. | 5/1/2025<br>Received PCCD<br>issued XXX<br>with<br>disbursement<br>date XXX.<br>Supports<br>insurance<br>established prior<br>to disbursement. | 5/9/2025<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: Borrower has significant time at current job, 4 years and 11 months.<br>CFCFS1744: DTI below guideline requirement<br>- Clayton Comments: 40.08% DTI below guideline requirement of 45%.<br>CFCFS1737: LTV below guideline requirements<br>- Clayton Comments: 63.985% LTV is below guideline requirements of 89.99% LTV.<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Median FICO 741 > 41 points above guideline program minimum of 700. |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | AZ | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: B1 has 8 years & 4 months at current job<br>CFCFS1736: Significant time at current residence<br>- Clayton Comments: Borrower has 8 years at current residence<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Qualifying FICO of 796 is 56 points above the 740 FICO required for the program |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | TX | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | No | Missing<br>verification of<br>property tax<br>and HOA fee,<br>if any, on<br>departure<br>residence. | 5/14/2025:<br>Received tax<br>info. Verified<br>there is no<br>HOA. | 5/15/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: 770 mid score > minimum required of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br>- Clayton Comments: Post Close Assets are $332,859.25 or 36.21 months of PITI.Required PITI Reserves are $9,192.15 x 0 months = $0.00<br>CFCFS1736: Significant time at current residence<br>- Clayton Comments: Borrowers occupied departure residence for 8 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br>- Clayton Comments: 0x30 x50 months<br>CFCFS2860: Good credit history<br>- Clayton Comments: - Consumer debt: 0x30 x greater than 99 months- Minimal usage of available revolving credit @ 6% |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | TX | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU score:<br>>2.5 / LCA<br>score: not<br>provided | 5/20/2025:<br>Received CDA<br>supporting<br>value. | 5/23/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: 770 mid score > minimum required of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br>- Clayton Comments: Post Close Assets are $332,859.25 or 36.21 months of PITI.Required PITI Reserves are $9,192.15 x 0 months = $0.00<br>CFCFS1736: Significant time at current residence<br>- Clayton Comments: Borrowers occupied departure residence for 8 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br>- Clayton Comments: 0x30 x50 months<br>CFCFS2860: Good credit history<br>- Clayton Comments: - Consumer debt: 0x30 x greater than 99 months- Minimal usage of available revolving credit @ 6% |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | XXXXXX | IL | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br>- Clayton Comments: The borrowers have resided at current residence for 5 years.<br>CFCFS1737: LTV below guideline requirements<br>- Clayton Comments: 65% LTV below guideline requirements of 89.99% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br>- Clayton Comments: Post Close Assets are $111,943.01 OR 15.23 months of PITI. Required PITI Reserves are $0 |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | CO | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br>- Clayton Comments: B2 has 11 years at current job<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Median FICO > 73 points above guideline minimum<br>CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: B1 has 29 years & 11 months at current job<br>CFCFS1740: Mortgage payment history exceeds guidelines<br>- Clayton Comments: Borrower Mortgage payment 0x30x87 |
| &nbsp;&nbsp;&nbsp;48 | XXXXXX | XXXXXX | UT | QM: Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br>- Clayton Comments: Borrower has been at current place of employment for 9 years<br>CFCFS5269: Minimal use of credit<br>- Clayton Comments: 1% consumer credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br>- Clayton Comments: Qualifying fico is 815<br>CFCFS1731: Verified cash reserves exceed guidelines<br>- Clayton Comments: Post close assets are $105,571.21 or 12.92 months of PITIA exceeds LP required amount of $0.00. |

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| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/<br>Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Closing reserves $611,933.06 or 58.86 months PITIA exceed DU required reserves of $0.00. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 8 years and 2 months. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 39.99% DTI below guideline requirement of 50%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 77.343% LTV is below guideline requirements of 89.99% LTV. |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Guidelines require min score of 700. Mid fico is 789. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80%. Max allowed LTV is 89.99%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: DU require reserves in the amount of $0. Total reserves verified in the amount of $122,935.72. |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Property | Satisfied D A | PRVAPROP111 | Legal<br>Nonconforming<br>w/out Rebuild<br>Letter | No | Subject is<br>legal non<br>conforming,<br>missing<br>verbiage<br>regarding<br>rebuild info is<br>destroyed. | 5/15/2025:<br>Received<br>updated<br>appraisal.<br>Ok to<br>rebuild. | 5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: Significant time in profession, 8 years. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV below guideline requirements of 84.99% per program. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $233,858.98 or 19.68 months of PITI. Required PITI Reserves are $71,291.94 |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | VT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 8 years and 2 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 764 > 64 points above guideline program minimum of 700. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 29.61% DTI below guideline requirement of 50%. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Borrower2 has significant time at current job, 18 years and 7 months. |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 783 exceeds guideline minimum 700. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has 9 years in the profession. |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 35.52% DTI is below program max allowable of 50%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 786 FICO exceeds program min allowable of 700. |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 18.73% DTI is below program max allowable of 50% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 768 FICO exceeds program min allowable of 700. |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | Right of<br>Rescission | Active B | CMPROR1909 | Incorrect ROR<br>Form Used -<br>H8 Form Used<br>in Refinance<br>With Original<br>Creditor | No | Regulation Z<br>designates the<br>H9 rescission<br>form as the<br>form designed<br>for same<br>lender<br>refinance<br>transactions;<br>for this loan<br>the lender is<br>using the H8<br>form.<br>Regulation Z<br>has language<br>allowing the<br>use of a<br>substantially<br>similar notice.<br>Claytons view<br>has been that<br>an H8 protects<br>the lender and<br>assignee to at<br>least the same<br>extent as an<br>H9, but<br>Clayton<br>recognized<br>that one could<br>think that the<br>mere<br>existence of<br>the H9 takes<br>away the<br>substantially<br>similar notice<br>argument. The<br>majority of<br>U.S. Circuit<br>Courts that<br>have opined<br>on the issue<br>have upheld<br>the use of an<br>H8 in a same-<br>lender<br>refinance;<br>therefore,<br>Clayton<br>grades the use<br>of an H8 form<br>in a same-<br>lender<br>refinance as a<br>level 2/B-<br>Non Material<br>exception in<br>those Circuits<br>that have not<br>decided on<br>this issue. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 18.73% DTI is below program max allowable of 50% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 768 FICO exceeds program min allowable of 700. |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied B | CMPTRID3640 | TRID - CD:<br>Zero tolerance<br>fee or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or the<br>revised LE/CD<br>was not timely<br>disclosed;<br>insufficient<br>credit or refund<br>provided | No | $950 Zero<br>Percent<br>Tolerance<br>Violation due<br>to increase in<br>Appraisal fee<br>by $400 and<br>$550 appraisal<br>fee added at or<br>prior to<br>closing<br>without a<br>valid Change<br>in<br>Circumstance.<br>Requires CIC,<br>or corrected<br>PCCD, copy<br>of refund<br>check, LOX<br>and<br>verification of<br>shipping.$950<br>credit<br>provided on<br>PCCD XXX.<br>Exception<br>satisfied | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 18.73% DTI is below program max allowable of 50% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 768 FICO exceeds program min allowable of 700. |
| &nbsp;&nbsp;&nbsp;56 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 13 years and 0 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 797 > 97 points above guideline program minimum of 700. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 40.66% DTI below guideline requirement of 50%. |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job with 6.2 years. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has significant time at current residence with 18.2 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 791 exceeds guidelines with a minimum credit score of 700. |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has 7 years at current residence. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 18 years at current job. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has 12 years at current job. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 798 is 78 points above the 720 FICO required for the program. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Reserves of $123,657.16 or 14.88 months PITIA exceeding the $16,610.45 reserves required by DU. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Qualifying DTI (Back) of 35.04% is 9.96% below the 45% allowed for the program. |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3640 | TRID - CD:<br>Zero tolerance<br>fee or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or the<br>revised LE/CD<br>was not timely<br>disclosed;<br>insufficient<br>credit or refund<br>provided | No | Need evidence<br>of change of<br>circumstance<br>letter or a<br>copy of a<br>refundable<br>check in the<br>amount of<br>$210.00 for<br>zero tolerance<br>fees.The credit<br>report<br>increased<br>$89.25, the<br>Appraisal<br>Final Fee<br>increased<br>$35.00, and<br>the Title<br>Settlement<br>Fee increased<br>$210.00.The<br>tolerance cure<br>on the Final<br>CD dated<br>XXX in the<br>amount of<br>$124.25<br>covers the<br>increase in the<br>credit report<br>and appraisal<br>final fee.<br>Tolerance still<br>remains in the<br>amount of<br>$210.00 for<br>the increase of<br>the settlement<br>fee. This fee<br>was paid to<br>the Affiliate<br>and tested at a<br>0% tolerance. | 5.16.2025<br>lender<br>provided<br>COC for<br>increase | 5.16.2025<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets are $304,857.76 or 38.32 months of PITIA. No reserves required. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 42.36% DTI is below program max allowable of 50%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 800 FICO exceeds program min allowable of 700. |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: On job over 16 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: MIn score 700. Borrowers score 790 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Max 89%. Borrowerr 64%. |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 31.06% DTI is below program max allowable of 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 766 FICO exceeds program min allowable of 720. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with current employer for 14+ years <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co borrower has been with current employer for 16+ years. |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence <br>- Clayton Comments: The borrowers have resided at current residence for 19 years. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 14 years and 9 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 67.66% LTV below guideline requirements of 89.99% per program. |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has been with current employer for 5 years and 8 months. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 43.69% DTI is below guideline maximum of 50%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 763 credit score exceeds guideline minimum of 700. |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower Representative Score: 750 <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer credit show 0x30x99 |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>Clayton's<br>status<br>determination<br>places loan in a<br>riskier status<br>than the<br>Lender's status<br>determination. | No | Missing<br>lender QM<br>determination<br>documentation<br>in the file.<br>Clayton<br>verified Safe<br>Harbor<br>(APOR). Tape<br>value shows<br>ATR Exempt. | 5/15/2025:<br>Lender<br>verified<br>SH. | 5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 10 years and 7 months. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Significant time in profession, 10 years. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 75% LTV below guideline requirements of 89.99% per program. |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA (or CU)<br>score is >2.5. | 5/16/2025:<br>Received<br>XXX<br>AVM<br>supporting<br>value. | 5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 10 years and 7 months. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Significant time in profession, 10 years. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 75% LTV below guideline requirements of 89.99% per program. |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | Right of<br>Rescission | Active B | CMPROR1909 | Incorrect ROR<br>Form Used -<br>H8 Form Used<br>in Refinance<br>With Original<br>Creditor | No | H8 ROR<br>Form used<br>instead H9 in<br>refinance with<br>original<br>creditor. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job with 13 years. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI below guideline requirement at 17.55% with a max DTI of 45%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV below guideline requirements at 29.38% with a max LTV of 80%. |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Borrower has a credit line usage ratio of 3%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 8 years 7 months at current job. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has 14 years 8 months at current job. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Reserves of 12 months PITIA vs 0 months reserves required. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 770 is 70 points above the 700 FICO required for the program. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Qualifying DTI (Back) of 32.84% is 12.16% below the 45% allowed for the program. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 60% is 29.99% below the 89.99% LTV allowed for the program. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has 10 years 3 months at current residence. |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing reserves $718,618.23 or 92.93 months PITIA exceeding the required reserves of $20,442 per DU. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrowers have a credit score of 749 above 700 minimum. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 64% below guideline requirements of 89.99%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has been with employer for 7 years. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer for 5 years. |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 20 years and 1 months. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 22.85% DTI below guideline requirement of 50%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 805 > 105 points above guideline program minimum of 700. |
| &nbsp;&nbsp;&nbsp;70 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has 10 years in profession. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets of $236,046.21 or 18.76 PITI reserves. Required reserves $4,224.00. |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 796 exceeds guidelines of 700 <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has 20 years in profession. |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 12.42yrs tenure with current employer <br>CFCFS2860: Good credit history <br>- Clayton Comments: Excellent credit history with no late pay/derog line items. 7/2005 oldest tradeline. 2.23% credit usage <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 79 consecutive months mortgage payment history exceeds guidelines <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 776 Median Credit Score exceeds guidelines. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV 65.98% below guideline requirements |
| &nbsp;&nbsp;&nbsp;73 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying fico is 781. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: 6% consumer credit utilization in file |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has 10 years & 10 months at current job <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: B2 has 12 years & 10 months at current job <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower Mortgage payment 0x30x64 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO > 86 points above guideline minimum |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers have lived at current residence for 6 years and 1 month. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 778 exceeds guideline minimum 720 for loan amount. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Borrowers LTV 80% is less than guideline maximum 89.99%. |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 811 Median Credit Score exceeds minimum 700 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Excellent credit history with no late pay/derog line items. 811 median score, 0 x 30 in 39 months current consecutive months mortgage history. |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller<br>CD not in file;<br>need in order to<br>complete fee<br>entry | No | Seller CD not<br>in file.<br>Missing<br>Realtor<br>Commissions<br>from borrower<br>CDs in<br>Section H,<br>Seller-Paid<br>Column. | 5/15/25 -<br>Lender<br>provided<br>Settlement<br>Statement. | 5/15/25 -<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been XXX with current business since 11/17/2006. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 801 is 61 points above the minimum required score of 740. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Borrowers have 125.31 months of PITIA available in reserves; 18 months required. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 26.53% DTI is below the maximum allowed DTI of 45%. |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | No | Missing<br>verification of<br>HOA<br>expenses for<br>both XXX and<br>XXX<br>properties.<br>Property detail<br>report in file<br>supports XXX<br>is a condo.<br>Additionally<br>the tax/<br>insurance<br>expense for<br>XXX verified<br>as $3,186.38<br>however<br>$3,552.58 was<br>used to<br>qualify.<br>Appears to be<br>an HOA<br>expense. | 5/14/2025:<br>Received<br>HOA info<br>for both<br>REOs. | 5/15/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been XXX with current business since 11/17/2006. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 801 is 61 points above the minimum required score of 740. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Borrowers have 125.31 months of PITIA available in reserves; 18 months required. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 26.53% DTI is below the maximum allowed DTI of 45%. |
| &nbsp;&nbsp;&nbsp;78 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: B2 has 9 years & 5 months at current job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO > 23 points above guideline minimum |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 16.5 years in business. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: 16.5 years at same job. |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 30.63% DTI is below program max allowable of 50%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 740 FICO exceeds program min allowable of 700. |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 737 median FICO. Minimum required 700. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Verified 61.56% LTV. Max allowed 89.99%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified $176,885.72 in post-closing reserves or 17.88 months PITI. No reserves required per DU. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 32.94% DTI. Max allowed 45%. |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 797 FICO, 700 minimum <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 67.20 LTV, 80% max |
| &nbsp;&nbsp;&nbsp;83 | XXXXXX | XXXXXX | NE | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 732 > 32 points above guideline program minimum of 700. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 4 years and 9 months. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 41.44% DTI below guideline requirement of 45%. |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 23.05% DTI is below program max allowable of 45%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 23 years and 7 months at current job. |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has been at current residence for 8 years <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Borrower has been at current place of employment for 6 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying fico is 803 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: 0% consumer credit utilization in file |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 8 years 9 months at current job. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 789 is 89 points above the 700 FICO required for the program. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 63.41% is 26.58% below the 89.99% LTV allowed for the program. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified $274,830.78 post closing reserves. AUS requires 10,492.00. |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit <br>- Clayton Comments: 5% revolving credit utilization ratio. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 789 FICO exceeds program min allowable of 700. |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Guidelines require min score of 700. Mid fico is 780. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is below max allowed of 89.99%. |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 746 credit score exceeds guideline minimum of 720. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 44.77% DTI is below guideline maximum of 50%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with current employer for 5 years and 8 months. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has been with current employer for 13 years and 7 months. |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has 7.75yrs tenure with current employer <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV 80% less than maximum allowed guidelines <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 806 Median Credit Score exceeds guidelines <br>CFCFS2860: Good credit history <br>- Clayton Comments: Excellent credit history with no late pay/derog line items. 806 Median Score, 44 months mortgage history, oldest reported trade 8/15 |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: FICO of 805 exceeds guidelines of 720. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has 28 yrs in the profession |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence <br>- Clayton Comments: The borrowers have occupied the subject property for 19 years 3 months. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has been with the employer for 9 years 2 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post-Closing Assets: $1,004,510.71 - $62,541.24 guideline required reserves = $941,969.47/$10,423.54 PITI = 90.37 additional months reserves on the subject. |

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| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has 11 years 4 months at current residence. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Qualifying DTI (Back) of 30.87% is 14.13% below the 45% allowed for the program. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 765 above 700 required. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Reserves of 10 months PITIA vs 0 months reserves required. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 17 years 4 months at current job. |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 44.82% DTI below guideline requirement of 50%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV is below guideline requirements of 89.99% LTV. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 786 > 86 points above guideline program minimum of 700. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 22 years and 1 months. |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing reserves $1,121,520 or 158.45 months PITIA exceeds DU required reserves of $29,207.94. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 749 credit score exceeds the minimum required per guidelines <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has resided at the same residence for the past 8 years <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in the same profession for the past 30 years. |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower Representative Score:760 <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer credit show 0x30x84 <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in this line of work in the past:25 years |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower Representative Score: 801. Minimum required 700. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer credit show 0x30x99 <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer in the past: 14 years <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in this line of work in the past: 14 years |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | Finance<br>Charge<br>Tolerance | Satisfied B | CMPFINT106 | Finance<br>charge<br>understated by<br>more than<br>$100 (Pmt<br>Stream) | No | Final CD Finance<br>Charge<br>$1,651,693.55.<br>Clayton Pay<br>Stream Finance<br>Charge<br>$1,654,536.55.<br>Difference<br>$2843.00.<br>Corrected on<br>PCCD XXX ,<br>Exception Satisfied | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 36 years at XXX job <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: 19 years at current home |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | Finance<br>Charge<br>Tolerance | Satisfied B | CMPFINT4372 | TILA/TRID-<br>Disclosed<br>Amount<br>Financed is<br>higher than<br>Clayton's<br>calculated<br>Amount<br>Financed | No | Final CD Finance<br>Charge<br>$1,651,693.55.<br>Clayton Pay<br>Stream Finance<br>Charge<br>$1,654,536.55.<br>Difference<br>$2843.00.Corrected<br>on PCCD XXX ,<br>Exception Satisfied | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 36 years at XXX job <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: 19 years at current home |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied B | CMPTRID4056 | TRID - CD:<br>The Total<br>Payment<br>Amount on<br>the Loan<br>Calculation<br>section of the<br>Final Closing<br>Disclosure is<br>less than the<br>Clayton<br>Calculated<br>Total Payment<br>Amount | No | Final CD Total<br>Payments<br>$2,861,443.55.<br>Clayton Pay<br>Stream Total<br>Payments<br>$2,866,447.20.<br>Difference<br>$5003.65.<br>Corrected on<br>PCCD XXX ,<br>Exception Satisfied | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 36 years at XXX job <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: 19 years at current home |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | XXXXXX | MT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Missing support<br>documentation for<br>the "Other" amount<br>of $1,529.68<br>included as part of<br>the monthly<br>mortgage payment. | 5/8/2025 Received<br>explanation for<br>Other expense.<br>Disclosed as part<br>of property taxes.<br>Documentation<br>supports. Tax<br>expense updated.<br>DTI remained<br>within tolerance. | 5/9/2025<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has been XXX for 6 years 1 month <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post-Closing Assets: $1,580,591.63 - $34,039.35 guideline required reserves = $1,546,552.28/$11,346.45 PITIA = 136.30 additional months reserves. |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | XXXXXX | MT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Terms/<br>Guidelines | Satisfied C A | CRDTER3122 | Loan<br>documents do<br>not meet<br>guideline<br>requirements | No | Missing support<br>documentation for<br>the "Other" amount<br>of $1,529.68<br>included as part of<br>the monthly<br>mortgage payment. | 5/8/2025 Received<br>explanation for<br>Other expense.<br>Disclosed as part<br>of property taxes.<br>Documentation<br>supports. Tax<br>expense updated.<br>DTI remained<br>within tolerance. | 5/9/2025<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has been XXX for 6 years 1 month <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post-Closing Assets: $1,580,591.63 - $34,039.35 guideline required reserves = $1,546,552.28/$11,346.45 PITIA = 136.30 additional months reserves. |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing reserves $1,734,341.24 or 171.82 months PITIA exceeds LP required reserves of $0.00. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has been at current residence for 17 years <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been at current place of employment for 34 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying fico is 756 exceeds 700 minimum. |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 60.75% LTV is below guideline requirements of 89.99% LTV. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 795 > 95 points above guideline program minimum of 700. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 48.04% DTI below guideline requirement of 50%. |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing AUS<br>or AUS errors<br>present | No | Missing LP AUS.<br>DU AUS in file,<br>but 1008 shows<br>loan approved with<br>LP AUS | 5/12/2025:<br>Received updated<br>1008 showing DU<br>was used. | 5/13/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 4.25yrs tenure with current employer <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has 9.83yrs tenure with current employer <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0 x 30 in 48 months <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 FICO exceeds minimum 700 |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 797 FICO exceeds program min allowable of 700. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 47.32% DTI is below program max allowable of 50%. |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 19.83% DTI below guideline requirement of 50%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 794 > 74 points above guideline program minimum of 720. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 60% LTV is below guideline requirements of 89.99% LTV. |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's<br>status<br>determination. | No | TBD once all<br>TRID docs, Note<br>and Mortgage<br>received. | 5/13/25 - Lender<br>provided Note and<br>Mortgage. | 5/13/25 -<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 6.08% DTI. Max allowed 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 779 median FICO. Minimum required 720. |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2904 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; is not a<br>Qualified<br>Mortgage. | No | TBD once all<br>TRID docs, Note<br>and Mortgage<br>received. | 5/13/25 - Lender<br>provided Note and<br>Mortgage. | 5/13/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 6.08% DTI. Max allowed 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 779 median FICO. Minimum required 720. |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | APR<br>Tolerance | Satisfied B A | CMPAPRT110 | APR -<br>Insufficient<br>Information<br>for<br>APR-Payment<br>Stream<br>Testing | No | TBD once all<br>TRID docs, Note<br>and Mortgage<br>received. | 5/13/25 - Lender<br>provided Note and<br>Mortgage. | 5/13/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 6.08% DTI. Max allowed 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 779 median FICO. Minimum required 720. |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Documentation | Satisfied D A | CMPDOC191 | Missing<br>Mortgage | No | Missing Mortgage | 5/12/2025:<br>Received<br>Mortgage. | 5/13/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 6.08% DTI. Max allowed 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 779 median FICO. Minimum required 720. |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Documentation | Satisfied D A | CMPDOC195 | Missing Note | No | Missing Note | 5/12/2025:<br>Received Note. | 5/13/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 6.08% DTI. Max allowed 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 779 median FICO. Minimum required 720. |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Documentation | Satisfied D A | CMPDOC5551 | Missing<br>sufficient<br>documentation<br>to determine<br>the QM Fee<br>limit, QM<br>APR and/or<br>TIL/State<br>Higher-Priced<br>APR or State<br>regulation fee<br>tests | No | Due to missing<br>Note and Mortgage<br>unable to<br>determine. | 5/13/25 - Lender<br>provided Note and<br>Mortgage. | 5/13/2025:<br>Exception<br>satisfied. | Hybrid | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 6.08% DTI. Max allowed 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 779 median FICO. Minimum required 720. |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Documentation | Satisfied D A | CMPDOC5553 | Missing<br>sufficient<br>documentation<br>to determine<br>High Cost<br>Fees and APR<br>Limits | No | Due to missing<br>Note and Mortgage<br>unable to<br>determine. | 5/13/25 - Lender<br>provided Note and<br>Mortgage. | 5/13/2025:<br>Exception<br>satisfied. | Hybrid | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 6.08% DTI. Max allowed 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 779 median FICO. Minimum required 720. |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | State Late<br>Charges | Satisfied B A | CMPSLC1201 | Late Charges -<br>Unable to<br>Calculate<br>Maximum<br>Payment<br>subject to late<br>charge | No | Due to missing<br>Note and Mortgage<br>unable to<br>determine. | 5/13/25 - Lender<br>provided Note and<br>Mortgage. | 5/13/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 6.08% DTI. Max allowed 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 779 median FICO. Minimum required 720. |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected CD<br>should have<br>been<br>provided;<br>Change of<br>Product or<br>Product<br>Feature not<br>disclosed at<br>least 3<br>business days<br>prior to<br>closing | No | Closing Disclosure<br>Missing | 5/14/25 - Lender<br>provided Initial<br>and Final CD's. | 5/13/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 6.08% DTI. Max allowed 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 779 median FICO. Minimum required 720. |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID4027 | TRID - CD:<br>The P&I<br>Payment on<br>the Loan<br>Terms section<br>of Final<br>Closing<br>Disclosure<br>does not<br>match the<br>initial Note<br>P&I | No | Missing all CDs. | 5/14/25 - Lender<br>provided Initial<br>and Final CD's. | 5/14/25 -<br>Exception<br>satisfied. | Numeric | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 6.08% DTI. Max allowed 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 779 median FICO. Minimum required 720. |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID3496 | TRID -<br>Closing<br>Disclosure<br>Missing | No | Closing Disclosure<br>Missing | 5/14/25 - Lender<br>provided Initial<br>and Final CD's. | 5/13/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 6.08% DTI. Max allowed 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 779 median FICO. Minimum required 720. |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Missing Lender<br>QM determination. | 5/12/2025:<br>Received Safe<br>Harbor<br>determination. | 5/13/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 6.08% DTI. Max allowed 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 779 median FICO. Minimum required 720. |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU Score is 3.6.<br>Missing AVM to<br>support appraised<br>value. (HVE in the<br>file cannot be<br>used). | 5/16/2025:<br>Received XXX<br>AVM supporting<br>value. | 5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 6.08% DTI. Max allowed 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 779 median FICO. Minimum required 720. |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0 x 30 x 28 months <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0 x 30 x 99 months |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Property<br>Valuations | FEMA | Satisfied C A | PRVAFEMA4817 | Natural<br>Disaster Area,<br>Subseq<br>inspect prior<br>to Disaster<br>(Individual &<br>Public) | No | FEMA Declaration<br>for XXX Declared<br>XXX with effective<br>date XXX and<br>appraisal dated<br>XXX. | 5/19/2025:<br>Received clear<br>PDI report - no<br>damage. | 5/23/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets $976,719.57. No reserves required. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV 70% is lower than guideline 89.99% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 22.31% is below 45% |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 750 FICO, 700 minimum <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV, 89.99% max |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Credit | Income/<br>Employment | Active B | CRDINC2496 | Verbal<br>verification of<br>employment<br>completed<br>outside the<br>stated<br>requirements<br>and/or after<br>closing/<br>funding | No | 01/15/25 and<br>12/31/24 paystubs<br>shows PTO for<br>"XXX". WVOE<br>and VVOE are in<br>file, but no<br>explanation<br>addressing the<br>XXX and<br>continued<br>employment. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 771 FICO, 700 minimum <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV, 89.99% max |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 762 FICO, 720 minimum <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 75 % LTV, 90% max |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower Representative Score: 773 exceeds 700 required score. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer credit show 0x30x82 <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer in the past: 7 years <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Co-Borrower has been in this line of work in the past: 16 years |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | OR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required Affiliate<br>Business<br>Disclosure missing. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Representative score 817 exceeds 700 minimum. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal use of revolving debt |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | XXXXXX | NY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing updated<br>valuation to<br>support appraised<br>value. No CU or<br>LCA score<br>established. | 5/16/2025:<br>Received XXX<br>AVM supporting<br>value. | 5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Guidelines require min score of 720. Mid fico is 761 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is below max allowed of 84.99% |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing Required<br>Affiliate Business<br>Disclosure | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 786 FICO, 700 min <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV, 89.99 max |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required Affiliate<br>Business<br>Disclosure missing. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Per VVOE, borrower #2 has been with current employer for 6 years and 5 months with a start date of 9/10/2018.Per VVOE, Borrower #3 has been with current employer for 39 years and 7 months with a start date of 7/1/1985. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Per guidelines, the maximum LTV is 89.99%. Loan closed with an LTV of 53.85%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Per guidelines, the minimum credit score is 700. Loan closed with a credit score of 743. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower 1's mortgage history reviewed for 45 months with 0x 30. |
| &nbsp;&nbsp;&nbsp;116 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: 14+ Years at present job. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0 x 30 in 76 months mortgage history. |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate Business<br>Disclosure missing | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV/CLTV 51.63% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified cash reserves in the amount of $291,438.21 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 751 exceeds minimum required |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU/LCA score is<br>>2.5. Desk Review<br>required. | 5/16/2025:<br>Received XXX<br>AVM supporting<br>value. | 5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 7 years and 6 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 801 >101 points above guideline program minimum of 700. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV is below guideline requirements of 89.99% LTV. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Borrower2 has significant time at current job, 11 years and 3 months. |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required Affiliate<br>Business<br>Di.sclosure missing | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower Representative Score:800 <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer credit show 0x30x85 <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in this line of work in the past: 10 years |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower Representative Score:780. Minimum required 700. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in this line of work in the past: 24 years |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 731 median FICO. Minimum required 720. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has been at current job 13.07 years. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: B2 has been with current employer 21.58 years. |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: 32 months of additional reserves verified. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80% <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with current employer for 8 years. |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Legal<br>Documents | Satisfied D A | CRDLGL100 | Legal<br>document<br>incorrect or<br>incomplete | No | The Note Date is<br>XXX, the<br>Mortgage Date is<br>XXX and the Final<br>1003 is dated XXX<br>and the Notary<br>Date is XXX. | 05.9.2025 - Same<br>DOT was<br>provided with<br>Notary date of<br>XXX when Note<br>date and Mortgage<br>date is<br>XXX.5/12/2025:<br>Received DOT<br>showing<br>borrowers signed/<br>dated XXX,<br>Notary XXX.<br>Missing Notary<br>for XXX for all<br>other docs<br>signed.5/22/2025:<br>Received<br>verification,<br>Mortgage was<br>re-signed as there<br>was an error on<br>the one signed<br>XXX | 05.09.2025 -<br>Exception<br>remains5/13/2025:<br>Exception<br>remains.5/23/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 75.0% LTV is below guideline requirements of 89.99% LTV. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 791 > 91 points above guideline program minimum of 700. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 45.84% DTI below guideline requirement of 50%. |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | FEMA | Satisfied C A | PRVAFEMA858 | Natural<br>Disaster Area,<br>no subsequent<br>inspection<br>(Individual &<br>Public) | No | FEMA Declaration<br>for XXX XXX and<br>appraisal date<br>XXX. PDI<br>required. | 5/22/2025:<br>Received clear<br>PDI Report<br>5/2/2025 - no<br>damage. | 5/23/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 75.0% LTV is below guideline requirements of 89.99% LTV. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 791 > 91 points above guideline program minimum of 700. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 45.84% DTI below guideline requirement of 50%. |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3966 | TRID - CD:<br>The Will Not<br>Have an<br>Escrow<br>Account in the<br>CD Loan<br>Disclosures<br>section is<br>selected and<br>both or neither<br>of You<br>declined it<br>and/or Your<br>lender does<br>not offer one<br>are selected | No | All CD's The Will<br>Not Have an<br>Escrow Account in<br>the CD Loan<br>Disclosures section<br>is selected and<br>neither of You<br>declined it and/or<br>Your lender does<br>not offer one are<br>selected.<br>Non-numeric<br>clerical error cure:<br>LOX and post-<br>consummation CD<br>within 60 days of<br>consummation. | 05.12.2025 -<br>PCCD received<br>with Loan<br>Disclosures<br>corrected. | 05.12.2025 -<br>Exception satisfied | Non-Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 783 FICO, 700 minimum. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV, 89.99% max. |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has owned current residence for 24 years and 6 months. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in the same profession for 34 years. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Per VVOE, the borrower has been with current employer since 8/23/1999. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Per guidelines, the minimum credit score is 720. Loan closed with a credit score of 796. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Per guidelines, the maximum DTI is 45%. Loan closed with DTI of 37.69%. |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers have been at current residence for 30+ Years <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 75% is below maximum allowed of 89.99% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Low mid score of 781 exceeds minimum guideline requirement of 700 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Reserves remain of $255,872.70 |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3966 | TRID - CD:<br>The Will Not<br>Have an<br>Escrow<br>Account in the<br>CD Loan<br>Disclosures<br>section is<br>selected and<br>both or neither<br>of You<br>declined it<br>and/or Your<br>lender does<br>not offer one<br>are selected | No | Final CD is<br>missing the Will<br>Not Have an<br>Escrow Account in<br>the CD Loan<br>Disclosures section<br>is selected and both<br>or neither of You<br>declined it and/or<br>Your lender does<br>not offer one are<br>selected.<br>Non-numeric<br>clerical error cure:<br>LOX and post-<br>consummation CD<br>within 60 days of<br>consummation. | 5/15/2025:<br>Received<br>corrected PCCD,<br>LOX and proof<br>sent to borrower. | 5/16/2025:<br>Exception<br>satisfied. | Non-Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 793 exceeds guideline requirement of 700. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in current profession for over 22 years. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80.00% is below max guideline requirement of 89.99%. |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has owned current residence for 21 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 783 is greater than guideline minimum 720 <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 0x30x82 months positive mortgage payments. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in same profession for 26+ years. Co borrower has been in same profession for 27+ years. |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason or<br>not timely<br>disclosed;<br>refund<br>required<br>within 60 days<br>of<br>consummation | No | LE XXX Credit<br>report fee<br>$182.00 LE XXX<br>$222.00 LE XXX<br>$222.00 On CD<br>XXX and CD XXX<br>Credit report fee<br>decreased back to<br>$194.25 There<br>was no COC or<br>notifying borrower<br>on increase from<br>original fee<br>$182.00 to $194.25<br>Diff<br>$12.25. Letter of<br>explanation,<br>corrected Closing<br>Disclosure, refund,<br>proof of delivery<br>within 60 days of<br>consummation. Or<br>COC for the<br>change. | 06.03.2025 -<br>LOX, PCCD,<br>proof of delivery<br>and refund check<br>for $12.25<br>provided. | 06.03.2025 -<br>Exception satisfied | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has 14 years & 9 months at current job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 760 is 60 points above the 700 FICO required for the program |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing updated<br>valuation. No LCA<br>score established. | 5/28/2025: AVM<br>returned no value.<br>CDA has been<br>ordered.5/30/2025:<br>CDA received<br>supports appraised<br>value. | 5/28/2025:<br>Exception<br>remains.5/30/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has 14 years & 9 months at current job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 760 is 60 points above the 700 FICO required for the program |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 805 FICO, 700 minimum <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 75.71 LTV, 89.99% max |
| &nbsp;&nbsp;&nbsp;131 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL100 | Legal<br>document<br>incorrect or<br>incomplete | No | Mortgage notary<br>signed with a date<br>of XXX but the<br>mortgage was<br>signed by the<br>borrowers on<br>XXX. | 5/14/2025:<br>Received<br>corrected Notary<br>for XXX. | 5/15/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: 34 additional months of reserves verified. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrowers have a 753 Fico score <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80% <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been at current employer for 6 years. |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower Representative Score:734 <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has lived at current residence for the past: 35 years <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in this line of work in the past: 30 years |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Borrower has significant time at current job, 15 years and 0 months. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 18.29% DTI below guideline requirement of 50%. |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | MT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 807 FICO, 700 minimum <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 30.35% DTI. Max allowed 50%. |

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| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV 64.29% below guidelines requirements <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 11 years of XXX business. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Excellent credit history with no late pay/derog line items. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 769 median credit score exceeds guidelines 700 <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 79 consecutive months mortgage payment history exceeds guidelines. |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not all<br>required seller-<br>paid fees were<br>disclosed on<br>the CD | No | Seller fees<br>listed on Seller<br>CD but not<br>Borrower final<br>CD. As the<br>fees are at least<br>reflected there<br>is no material<br>issue. | (No Data) | This exception is<br>informational per<br>Clayton<br>Compliance<br>department and<br>TRID 2.0<br>revisions.<br>Exception<br>satisfied. | Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: 25 additional months reserves verified. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrowers have a 775 FICO score <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 5 years with current employer |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA - List<br>of<br>homeowners<br>counseling<br>organizations<br>not in file | No | List of<br>homeowners<br>counseling<br>organizations<br>not in file | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 777 FICO, 700 minimum <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV, 89.99% max |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected CD<br>should have<br>been provided;<br>Change of<br>Product or<br>Product<br>Feature not<br>disclosed at<br>least 3<br>business days<br>prior to closing | No | No<br>Confirmation<br>of Receipt of<br>Initial CD<br>Dated XXX at<br>least 3 days<br>prior to<br>Consummation<br>Date XXX.<br>Please provide<br>Confirmation<br>of Receipt of<br>Initial CD. | 5.16.2025<br>Lender provided<br>initial CD XXX<br>ESIGNED ON<br>XXX | 5.16.2025<br>Exception satisfied | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 777 FICO, 700 minimum <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV, 89.99% max |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting period | No | No<br>Confirmation<br>of Receipt of<br>Initial CD<br>Dated XXX at<br>least 3 days<br>prior to<br>Consummation<br>Date XXX.<br>Please provide<br>Confirmation<br>of Receipt of<br>Initial CD. | 5.16.2025<br>Lender provided<br>initial CD XXX<br>ESIGNED ON<br>XXX | 5.16.2025<br>Exception satisfied | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 777 FICO, 700 minimum <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV, 89.99% max |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80.0% LTV is below guideline requirements of 89.99% LTV. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 784 > 84 points above guideline program minimum of 784. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 30.10% DTI below guideline requirement of 50%. |
| &nbsp;&nbsp;&nbsp;139 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 58.14% LTV is below guideline requirements of 89.99% LTV. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 772 > 72 points above guideline program minimum of 700. |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 768 FICO, 700 minimum. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 52.78% LTV, 80% max. |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not all<br>required seller-<br>paid fees were<br>disclosed on<br>the CD | No | Seller fees<br>listed on Seller<br>CD but not<br>Borrower final<br>CD. As the<br>fees are at least<br>reflected there<br>is no material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID 2.0<br>revisions.<br>Exception<br>satisfied. Final<br>Grade A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 768 FICO, 700 minimum. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 52.78% LTV, 80% max. |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 14 years at current job <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower Mortgage payment 0x30x67 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO > 89 points above guideline minimum <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI > 25 points below guideline maximum |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in same profession for 12 years. Co-Borrower has been in same profession for 13 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 795 is greater than guideline minimum 700. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Borrower's LTV 78.05% is less than guideline maximum 89.99%. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Borrower has 0x30x43 positive mortgage payment history. |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID5741 | TRID - CD: In<br>the CD Escrow<br>section, You<br>will have an<br>escrow<br>account is<br>indicated, but<br>any of the<br>Escrowed<br>Property Costs<br>or Escrow<br>Payment = $0<br>or Null | No | In the CD<br>Escrow<br>section, You<br>will have an<br>escrow<br>account is<br>indicated, but<br>any of the<br>Escrowed<br>Property Costs<br>or Escrow<br>Payment = $0<br>or Null. LOX<br>and<br>redisclosed<br>CD within 60<br>days of<br>discovery | 5/13/25 - Lender<br>provided<br>Settlement<br>Statement that<br>doesnt address<br>the exception.<br>Final CD in file<br>dated XXX<br>under Escrow<br>Account on Page<br>4 there is an X in<br>the box showing<br>the borrower<br>will have<br>Escrow. Per the<br>Escrow Waiver<br>the borrower<br>will not have an<br>escrow account.<br>Please provide a<br>LOX and PCCD<br>updating Page 4<br>of the PCCD<br>indicating the<br>borrower will<br>not have an<br>escrow account.<br>5/15/25 - Lender<br>provided a LOX<br>and a PCCD<br>updating Page 4<br>by indicating<br>borrower will<br>not have an<br>escrow account. | 5/13/25 -<br>Exception remains.<br>5/15/25 -<br>Exception<br>satisfied. | Numeric | Not<br>Applicable | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has lived at current residence 14 years. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Verified 68.86% LTV. Max allowed 80%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: 6 months reserves required. $11,300.72 X 6 = $67,804.32. Verified $1,777,963.64 in post closing reserves. |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID5742 | TRID - CD: In<br>the CD Escrow<br>section, You<br>will not have<br>an escrow<br>account is<br>indicated, but<br>[Estimated<br>Property Costs<br>over Year 1] =<br>$0 or Null | No | In the CD<br>Escrow<br>section, You<br>will not have<br>an escrow<br>account is<br>indicated, but<br>[Estimated<br>Property Costs<br>over Year 1] =<br>$0. The CD<br>provided does<br>not show the<br>amount of<br>$34686.96 that<br>was indicated<br>on the final<br>CD dated<br>XXX. Please<br>provide a LOX<br>and PCCD<br>showing the<br>estimated<br>Property costs<br>over year 1 in<br>the will not<br>have an<br>escrow<br>account. | 5.23.2025<br>Lender issued a<br>revised corrected<br>CD | 5.23.2025<br>Exception satisfied | Numeric | Not<br>Applicable | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has lived at current residence 14 years. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Verified 68.86% LTV. Max allowed 80%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: 6 months reserves required. $11,300.72 X 6 = $67,804.32. Verified $1,777,963.64 in post closing reserves. |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Departure residence: 0x30 x65 months <br>CFCFS2860: Good credit history <br>- Clayton Comments: - Consumer debt: 0x30 x65 months- Negligible use of available revolving credit limits @ 2.2% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $165,310.07 or 10.25 months of PITI.Required PITI Reserves are $16,128.36 X 0 months = $0.00, per AUS <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers occupied departure residence for 22 years <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been XXX for 24 years <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: B2 has been with current employer for 20 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 743 mid score > minimum required of 720 |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU/LCA score<br>is >2.5.<br>Missing<br>updated<br>valuation to<br>support value.<br>(HVE in the<br>file cannot be<br>used). | 5/13/2025:<br>Received copy<br>of the guides.<br>The HVE noted<br>in the guides<br>also states it<br>must be an AVM<br>with a high and<br>low value and<br>meet an FSD <=<br>13. The HVE<br>does not have<br>this info. An<br>AVM is required<br>meeting guides<br>and must be<br>done by a third<br>party.5/16/2025:<br>Received XXX<br>AVM supporting<br>value. | 5/14/2025:<br>Exception<br>remains.5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Departure residence: 0x30 x65 months <br>CFCFS2860: Good credit history <br>- Clayton Comments: - Consumer debt: 0x30 x65 months- Negligible use of available revolving credit limits @ 2.2% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $165,310.07 or 10.25 months of PITI.Required PITI Reserves are $16,128.36 X 0 months = $0.00, per AUS <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers occupied departure residence for 22 years <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been XXX for 24 years <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: B2 has been with current employer for 20 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 743 mid score > minimum required of 720 |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in the same profession for 10 + years. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job with 10.4 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 742 exceeds guidelines with a minimum credit score of 700 required. |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Please provide<br>missing<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets are $239,475.18 or 26.46 months of PITIA exceeds DU required amount of $0.00. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrowers have a 762 FICO score <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 60% <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 9 years with current employer <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: 9 years with current employer |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 794 exceeds guideline minimum 700. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in same profession for 10 years and 8 months. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has been at current residence for 7 years and 3 months. |
| &nbsp;&nbsp;&nbsp;148 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Both borrowers have substantial additional income from bonus and RSU income which is not being considered for qualification. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 employed with current employer since 9/09/2019. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Minimum fico is 700; subject fico is 777. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Maximum DTI is 45%; subject DTI is 36.70%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Maximum LTV is 89.99%; subject LTV is 55.04%. |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer credit show 0x30x99 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower Representative Score:775 exceeds 700 required. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in this line of work in the past: 20 years. |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30 reported <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: 18yrs in current profession |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 790 FICO, 700 minimum <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV, 90% max |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL100 | Legal<br>document<br>incorrect or<br>incomplete | No | Missing<br>divorce<br>decree/<br>separation<br>agreement.<br>HUD1 shows<br>payoffs to<br>XXX as a<br>MSA (marital<br>separation<br>agreement). | 5/14/2025:<br>Received<br>Settlement<br>Agreement.<br>Shows what<br>borrower owes<br>to ex-spouse and<br>includes $575<br>for 36 months<br>toward a car<br>loan. The HUD1<br>sHows $20,125<br>= 35 payments. | 5/15/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 790 FICO, 700 minimum <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV, 90% max |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has 10 years in profession. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Reserves of 28 months PITIA vs 0 months reserves required. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 762 is 62 points above the 700 FICO required for the program. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is 9.99% below the 89.99% LTV allowed for the program. |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence <br>- Clayton Comments: 10 years at current residence <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 764 FICO exceeds minimum 700 |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified reserves of $166,851.65, required reserves are $32,973.40 <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: The borrower has been on the same job since 2016 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 787 median FICO. Minimum required 700. |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing reserves $25,674.11 or 3.04 months PITIA exceeds DU required reserves of $0.00. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: 15% consumer credit utilization in file. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO is 792 exceeds minimum of 700. |
| &nbsp;&nbsp;&nbsp;156 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not all<br>required seller-<br>paid fees were<br>disclosed on<br>the CD | No | Seller fees<br>listed on Seller<br>CD but not<br>Borrower final<br>CD. As the<br>fees are at least<br>reflected there<br>is no material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID 2.0<br>revisions.<br>Exception<br>satisfied. Final<br>Grade A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has 12 years and B2 has 6 years in same profession <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 27.36 DTI with a 45% DTI max. |
| &nbsp;&nbsp;&nbsp;156 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU/LCA score<br>is >2.5.<br>Missing<br>updated<br>valuation to<br>support value. | 5/16/2025:<br>Received XXX<br>AVM supporting<br>value. | 5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has 12 years and B2 has 6 years in same profession <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 27.36 DTI with a 45% DTI max. |
| &nbsp;&nbsp;&nbsp;156 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | FEMA | Waived B | PRVAFEMA856 | Natural<br>Disaster Area,<br>no subsequent<br>inspection<br>(Public) | No | No inspection<br>since the XXX<br>FEMA<br>Disaster -<br>XXX. | 5/5/2025: Client<br>acknowledged<br>and waived due<br>to public<br>assistance only | 5/5/2025:<br>Exception waived. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has 12 years and B2 has 6 years in same profession <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 27.36 DTI with a 45% DTI max. |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 717 FIO, 700 minimum <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal revolving use |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA - List<br>of<br>homeowners<br>counseling<br>organizations<br>not in file | No | List of<br>homeowners<br>counseling<br>organizations<br>not in file;<br>please provide. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 772 FICO, 700 minimum <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal revolving use |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Please provide<br>missing<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 772 FICO, 700 minimum <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal revolving use |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score 3.0<br>Missing AVM<br>supporting<br>appraised<br>value. | 5/16/2025:<br>Received XXX<br>AVM supporting<br>value. | 5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 772 FICO, 700 minimum <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal revolving use |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified assets of $329735.98; assets required $160,963.18; verified reserves $168,772.80; required reserves $0.00; Borrower has sufficient reserves to cover the 30 day account in the amount of $1,103 + 1,095 = $2,150.00 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Per guidelines, the minimum credit score is 700. Loan closed with credit score of 759. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Current mortgage history reviewed for 46 months with 0 x 30. |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 13.5yrs tenure with current XXX business <br>CFCFS2860: Good credit history <br>- Clayton Comments: Excellent credit history with no late pay/derog line items. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 782 Median Credit Score exceeds guidelines. |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA/CU score<br>4.0. Missing<br>CDA to<br>support<br>appraised<br>value. (HVE in<br>the file cannot<br>be used). | 5/16/2025: AVM<br>received<br>supports<br>appraised value. | 5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 5.083yrs tenure with current employer <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV 58.63% below guideline maximum 89,99%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 800 Median Credit Score exceeds guideline requirement 700. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Excellent credit history with no late pay/derog line items. oldest trade 11/1989 |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance<br>Effective date<br>is greater than<br>the transaction<br>date | No | Loan closed<br>XXX<br>insurance<br>effective date<br>is XXX. HOI<br>effective date<br>must be no<br>later than<br>disbursement<br>date. | 5/15/2025:<br>Received<br>corrected HOI.<br>Policy period<br>XXX-XXX. | 5/16/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with current employer for 10 years and 9 months. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers owned departing residence for 3 years and 6 months. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 34.63% DTI is below guideline maximum of 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 792 credit score exceeds guideline minimum of 720. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: 467.96 months reserves exceed guideline minimum of 18 months. |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score 4.0.<br>Missing CDA<br>to support<br>appraised<br>value. | 5/16/2025:<br>Received XXX<br>AVM supporting<br>value. | 5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with current employer for 10 years and 9 months. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers owned departing residence for 3 years and 6 months. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 34.63% DTI is below guideline maximum of 45%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 792 credit score exceeds guideline minimum of 720. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: 467.96 months reserves exceed guideline minimum of 18 months. |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Representative score 787 exceeds 700 minimum. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 49.09 LTV, 80% maximum. |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | NE | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Income/<br>Employment | Satisfied C A | CRDINC3204 | Income<br>Documentation<br>Missing | No | Missing page 1<br>of XXX 1065<br>Tax return | 5/5/2025<br>Received page 1<br>of XXX 1065.<br>Page 1 supports<br>the earnings<br>used to qualify. | 5/9/2025<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence <br>- Clayton Comments: The borrower has occupied the subject property for 11 years 6 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 771 median FICO. Minimum required 700. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 9.28% DTI. Max allowed 50%. |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 10.66 yrs tenure with current employer <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 786 Median Credit Score exceeds minimum required guidelines. 720 minimum <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 28.37% DTI below guideline maximum requirements 50 |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: 28 years at current job <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $769,654.86Required PITI Reserves are $0.00 per LP 8 |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Documentation | Satisfied C A | CMPDOC3076 | Legal<br>document was<br>not executed or<br>is incomplete | No | Provide page 3<br>of 5 of the<br>Final CD. File<br>has pages 1-2,<br>4-5. | 5/14/2025:<br>Received page 3. | 5/15/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer in the past: 16 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower Representative Score:780 <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has been with employer in the past: 8 years |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score 3.5.<br>Provide CDA<br>supporting<br>value. (HVE in<br>the file cannot<br>be used). | 5/14/2025:<br>Received same<br>HVE and guides.<br>The HVE is not<br>acceptable.<br>AVM is required<br>from a third<br>party. Clayton to<br>order<br>AVM.5/16/2025:<br>Received XXX<br>AVM supporting<br>value. | 5/15/2025:<br>Exception<br>remains.5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer in the past: 16 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower Representative Score:780 <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has been with employer in the past: 8 years |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing. | 05.09.2025 -<br>Same PDF<br>received as PDF<br>received at time<br>of review. No<br>evidence of<br>affiliates or not. | 05.9.2025 -<br>Exception remains | (No Data) | Not<br>Applicable | (No Data) |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | Right of<br>Rescission | Satisfied B | CMPROR117 | ROR -<br>Expiration date<br>on form prior<br>to end of<br>rescission<br>period | No | ROR<br>expiration date<br>of XXX is<br>prior to end of<br>earliest<br>rescission date<br>allowable of<br>XXX.<br>Exception<br>satisfied lender<br>provided new<br>ROR | (No Data) | (No Data) | (No Data) | Not<br>Applicable | (No Data) |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | Right of<br>Rescission | Satisfied C B | CMPROR2330 | ROR -<br>Disbursement<br>date is before<br>end of<br>statutory<br>rescission<br>period | No | ROR<br>Expiration<br>date is XXX<br>disbursement<br>date per Final<br>CD in file is<br>XXX. | 05.09.2025 -<br>Same PDF<br>received as PDF<br>received at time<br>of review. ROR<br>expiration date<br>still XXX and<br>Disbursement<br>Date on CD is<br>XXX. 5/13/25 -<br>Borrower<br>provided ROR<br>dated XXX with<br>the expiration<br>date of XXX.<br>Earliest<br>expiration date<br>would be XXX.<br>Borrower did not<br>receive full<br>mandatory<br>rescission period<br>prior to<br>disbursement of<br>funds Requires<br>corrected PCCD,<br>LOX, re-open of<br>rescission-copy<br>of shipping. | 05.09.2025 -<br>Exception remains<br>5.13.25 -<br>Exception<br>remains.5.23.2025<br>Upon further<br>review exception<br>is satisfied | (No Data) | Not<br>Applicable | (No Data) |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Guidelines require min score of 700. Mid fico is 748. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 79.94%. Max allowed LTV is 89.99%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets $156,029.90 or 19.61 months of PITIA exceeding DU required amount of $0.00. |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3952 | TRID - CD:<br>The CD<br>Projected<br>Payments<br>section and the<br>CD Loan<br>Disclosures<br>section are not<br>consistent in<br>regards to<br>whether or not<br>an escrow<br>account will be<br>established | No | Final CD<br>XXX: The CD<br>Projected<br>Payments<br>section states<br>No Escrows<br>and the CD<br>Loan<br>Disclosures<br>section says<br>will have an<br>escrow<br>account. | 05.12.2025 -<br>PCCD received<br>with disclosure<br>section reflecting<br>no escrows. | 05.12.2025 -<br>Exception satisfied | Non-Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been on job for the past 5 years and 6 months <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Co Borrower has been in the same profession for the past 5 years and 8 months |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID5741 | TRID - CD: In<br>the CD Escrow<br>section, You<br>will have an<br>escrow<br>account is<br>indicated, but<br>any of the<br>Escrowed<br>Property Costs<br>or Escrow<br>Payment = $0<br>or Null | No | Final CD<br>XXX: The CD<br>Projected<br>Payments<br>section states<br>No Escrows<br>and the CD<br>Loan<br>Disclosures<br>section says<br>will have an<br>escrow<br>account. | 05.12.2025 -<br>PCCD received<br>with disclosure<br>section reflecting<br>no escrows. | 05.12.2025 -<br>Exception satisfied | Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been on job for the past 5 years and 6 months <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Co Borrower has been in the same profession for the past 5 years and 8 months |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 801 FICO exceeds program min allowable of 700. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 41.93% DTI is below program max allowable of 45%. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers have lived at current residence for 40 years. |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 794 FICO score. Minimum required 700. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Borrower has 43 months verified cash reserves <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower retained stable employment with current employer for 12.5 years. |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied B | CMPTRID3640 | TRID - CD:<br>Zero tolerance<br>fee or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or the<br>revised LE/CD<br>was not timely<br>disclosed;<br>insufficient<br>credit or<br>refund<br>provided | No | Need evidence<br>of change of<br>circumstance<br>letter or a copy<br>of a refundable<br>check in the<br>amount of<br>$125 for zero<br>tolerance<br>fees.Total<br>tolerance fees<br>are $290.00<br>Final CD<br>provides a cure<br>of $165.<br>Tolerance<br>remains in the<br>amount of<br>$125.00.PCCD<br>dated XXX<br>adds a<br>tolerance cure<br>of $100.00.<br>PCCD dated<br>XXX adds a<br>tolerance cure<br>of $25.00.<br>Exception<br>satisfied. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been on same job for past 11 years <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co Borrower has been on same job for the past 10 years and 4 months <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 755 Credit score exceeds minimum required per guidelines |

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| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower Representative Score: 752 <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer credit show 0x30x79 <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in this line of work in the past: 9 years |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has been at current place of residence for 6.7 years <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been at current place of employment for 12 years <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying fico is 776 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: 5.35 months piti reserves |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 39.10% DTI is below program max allowable of 50%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 769 FICO exceeds program min allowable of 700. |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower Representative Score: 787 <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer credit show 0x30x84 |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score is<br>4.5. Missing<br>AVM to<br>support value.<br>(HVE in the<br>file cannot be<br>used). | 5/14/2025: Lender<br>rebuttal stating not<br>required. Clayton<br>disagrees. Per<br>guides, an AVM is<br>required when CU/<br>LCA score<br>exceeds 2.5. HVE<br>in the file cannot<br>be used. AVM is<br>required to be<br>completed by third<br>party.5/16/2025:<br>Received XXX<br>AVM supporting<br>value. | 5/14/2025:<br>Exception<br>remains.5/16/2025:<br>Exception satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower Representative Score: 787 <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer credit show 0x30x84 |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 785 exceeds guidelines with a minimum credit score of 720. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers have significant time at current residence with 21.1 years. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV below guideline requirements at 54% with a max LTV of 89.99%. |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | The affiliate<br>business<br>disclosure is<br>missing. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS3840: Borrower has experience in excess of JCF minimum <br>- Clayton Comments: The borrower has been with the employer for 15 years 7 months. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: The borrower has occupied the departing residence for 8 years 5 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post-Closing Assets: $1,638,130.18 - $3,783.00 required reserves per DU - $34,708.50 guideline required reserves = $1,599,638.68/$38,171.50 PITIA on all properties owned = 41.91 additional months reserves on all properties. |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Satisfied B A | CMPRESPA2700 | RESPA - List<br>of<br>homeowners<br>counseling<br>organizations<br>not provided<br>w/in 3 days of<br>application | No | List of<br>homeowners<br>counseling<br>organizations<br>in file is dated<br>XXX. Initial<br>App date in<br>file is dated<br>XXX. Please<br>provide List of<br>homeowners<br>counseling<br>organizations<br>received<br>within 3 days<br>of Initial App<br>date. | 5/15/25 - Lender<br>provided<br>documentation<br>indicating the<br>XXX application<br>did not contain the<br>6 required pieces<br>of information.<br>The correct<br>application is in<br>the file and its<br>dated XXX which<br>has the 6 required<br>pieces of<br>information. | 5/15/25 - Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS3840: Borrower has experience in excess of JCF minimum <br>- Clayton Comments: The borrower has been with the employer for 15 years 7 months. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: The borrower has occupied the departing residence for 8 years 5 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post-Closing Assets: $1,638,130.18 - $3,783.00 required reserves per DU - $34,708.50 guideline required reserves = $1,599,638.68/$38,171.50 PITIA on all properties owned = 41.91 additional months reserves on all properties. |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan<br>Estimate not<br>timely | No | Initial LE in<br>file is dated<br>XXX. Initial<br>App date in<br>file is dated<br>XXX. Please<br>provide LE<br>received<br>within 3 days<br>of Initial App<br>date. | 5/15/25 - Lender<br>provided<br>documentation<br>indicating the<br>XXX application<br>did not contain the<br>6 required pieces<br>of information.<br>The correct<br>application is in<br>the file and its<br>dated XXX which<br>has the 6 required<br>pieces of<br>information. | 5/15/25 - Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS3840: Borrower has experience in excess of JCF minimum <br>- Clayton Comments: The borrower has been with the employer for 15 years 7 months. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: The borrower has occupied the departing residence for 8 years 5 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post-Closing Assets: $1,638,130.18 - $3,783.00 required reserves per DU - $34,708.50 guideline required reserves = $1,599,638.68/$38,171.50 PITIA on all properties owned = 41.91 additional months reserves on all properties. |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3970 | TRID - CD:<br>The Partial<br>Payments<br>section of the<br>Loan<br>Disclosures<br>section has all<br>three options<br>selected, no<br>options<br>selected, or an<br>improper<br>combination<br>of selections. | No | CD XXX,<br>Loan<br>Disclosures<br>Section: The<br>Partial<br>Payments<br>discloses both<br>May Accept<br>Partial<br>Payments and<br>Can Not<br>Accept Partial<br>Payments as<br>Yes. | 5/13/25 - Lender<br>provided PCCD<br>dated XXX with<br>only one boxed<br>checked. | 5/13/15 - Exception<br>satisfied. | Non-Numeric | Not<br>Applicable | CFCFS5269: Minimal use of credit <br>- Clayton Comments: 1% consumer credit utilization in file <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing reserves $117,096.00 or 16.35 months PITIA exceeds DU required reserves of $17,234.34. |
| &nbsp;&nbsp;&nbsp;181 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 9.58yrs tenure with current employer <br>CFCFS2860: Good credit history <br>- Clayton Comments: Excellent credit history with no late pay/derog line items. 777 Median Score, Oldest Trade 8/2010 |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | NY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has 15 years & 6 months at current job <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: B2 has 16 years & 11 months at current job <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower Mortgage payment 0x30x97 |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Required<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS3840: Borrower has experience in excess of JCF minimum <br>- Clayton Comments: B1 has been XXX for 16 years 9 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post-Closing Assets: $1,108,893.98 verified. AUS requires no reserves. |
| &nbsp;&nbsp;&nbsp;184 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 35.02% DTI below guideline requirement of 50%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 65% LTV is below guideline requirements of 89.99% LTV. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 780 > 80 points above guideline program minimum of 700. |
| &nbsp;&nbsp;&nbsp;185 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>4.5. Missing<br>CDA to<br>support<br>appraised<br>value. (HVE in<br>the file cannot<br>be used). | 5/16/2025:<br>Received XXX<br>AVM supporting<br>value. | 5/16/2025:<br>Exception satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Minimum fico is 700. Subject fico is 778. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Maximum DTI is 45%; subject DTI = 32.06%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Maximum LTV is 80%; subject LTV = 69.01%. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Time at residence = 8 years. |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3952 | TRID - CD:<br>The CD<br>Projected<br>Payments<br>section and<br>the CD Loan<br>Disclosures<br>section are not<br>consistent in<br>regards to<br>whether or not<br>an escrow<br>account will<br>be established | No | Provide CD<br>correcting<br>Loan<br>Disclosure<br>section in the<br>Escrow<br>section; No<br>escrows<br>(escrow<br>waiver in file). | 05.12.2025 - PCCD<br>received with<br>disclosure section<br>reflecting no<br>escrows. | 05.12.2025 -<br>Exception satisfied | Non-Numeric | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower Mortgage payment 0x30x57 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO > 87 points above guideline minimum |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID5741 | TRID - CD: In<br>the CD<br>Escrow<br>section, You<br>will have an<br>escrow<br>account is<br>indicated, but<br>any of the<br>Escrowed<br>Property Costs<br>or Escrow<br>Payment = $0<br>or Null | No | Provide CD<br>correcting<br>Loan<br>Disclosure<br>section in the<br>Escrow<br>section; No<br>escrows<br>(escrow<br>waiver in file). | 05.12.2025 - PCCD<br>received with<br>disclosure section<br>reflecting no<br>escrows. | 05.12.2025 -<br>Exception satisfied | Numeric | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower Mortgage payment 0x30x57 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO > 87 points above guideline minimum |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU/LCA score<br>is >2.5.<br>Missing<br>updated<br>valuation to<br>support value. | 5/13/2025: Lender<br>rebuttal stating<br>HVE provided is<br>acceptable.<br>Clayton disagrees.<br>AVM is required<br>to show high and<br>low value and FSD<br>score <=<br>13.5/16/2025:<br>Received XXX<br>AVM supporting<br>value. | 5/14/2025:<br>Exception<br>remains.5/16/2025:<br>Exception satisfied. | (No Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower Mortgage payment 0x30x57 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO > 87 points above guideline minimum |
| &nbsp;&nbsp;&nbsp;187 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in current profession for 30 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO is 770 exceeding the 720 minimum. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: 4% consumer credit utilization in file. |
| &nbsp;&nbsp;&nbsp;188 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower1 has significant time at current job, 6 years and 6 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 52.525% LTV is below guideline requirements of 89.99% LTV. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 35.91% DTI below guideline requirement of 50%. |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 6.167yrs tenure with current employer and 6.58yrs tenure with XXX business. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Excellent credit history with no late pay/derog line items. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 95 consecutive months mortgage history exceeds guidelines. 4/17-2/25 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV below maximum allowed guidelines, 89.99%. |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been on same job for the past 8 years and 8 months <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrowers have Good credit history. Currently 0x30 x 55 on all opened tradelines. |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU Score is<br>999. Missing<br>AVM<br>supporting<br>value. (HVEs<br>in the file<br>cannot be<br>used. Must be<br>done by a third<br>party that<br>includes high<br>and low value<br>and FSD). | 5/28/2025:<br>Received AVM<br>supporting value. | 5/28/2025:<br>Exception satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $130,938.88 or 12.19 months of PITI.Required PITI Reserves are $0.00 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has no history of late payments <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Max LTV 89.99% current LTV 80% |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected CD<br>should have<br>been<br>provided;<br>Change of<br>Product or<br>Product<br>Feature not<br>disclosed at<br>least 3<br>business days<br>prior to<br>closing | No | No<br>Confirmation<br>of Receipt of<br>Initial CD<br>Dated XXX at<br>least 3 days<br>prior to<br>Consummation<br>Date XXX.<br>Please provide<br>Confirmation<br>of Receipt of<br>Initial CD. | 06.03.2025 - Esign<br>summary shows<br>initial CD received<br>XXX. | 06.03.2025 -<br>Exception satisfied | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 52.830% LTV for Subject Property is below guideline max LTV of 80% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 794 > 74 points above guideline program minimum of 720. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 5 years and 6 months. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 30.81% DTI below guideline requirement of 45%. |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting period | No | No<br>Confirmation<br>of Receipt of<br>Initial CD<br>Dated XXX at<br>least 3 days<br>prior to<br>Consummation<br>Date XXX.<br>Please provide<br>Confirmation<br>of Receipt of<br>Initial CD. | 06.03.2025 - Esign<br>summary shows<br>initial CD received<br>XXX. | 06.03.2025 -<br>Exception satisfied | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 52.830% LTV for Subject Property is below guideline max LTV of 80% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 794 > 74 points above guideline program minimum of 720. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 5 years and 6 months. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 30.81% DTI below guideline requirement of 45%. |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied B | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason or<br>not timely<br>disclosed;<br>refund<br>required<br>within 60 days<br>of<br>consummation | No | $250 Zero<br>Percent<br>Tolerance<br>Violation due<br>to increase in<br>Appraisal fee<br>at or prior to<br>closing<br>without a valid<br>Change in<br>Circumstance.<br>Requires CIC,<br>or corrected<br>PCCD, copy<br>of refund<br>check, LOX<br>and<br>verification of<br>shipping. LOX<br>copy of refund<br>check for $250<br>and PCCD<br>received.<br>Exception<br>satisfied. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 38.89% LTV below guideline requirements of 89.99% per program. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 740 exceeds the guideline program minimum of 700. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $18,099.18 or 1.64 months of PITI. Required PITI Reserves are $0 |
| &nbsp;&nbsp;&nbsp;194 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has significant time in current profession, 15 years and 2 months. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80.00% LTV is below guideline requirements of 89.99% LTV. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 44.90% DTI below guideline requirement of 50%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 738 > 38 points above guideline program minimum of 700. |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation to<br>support<br>appraised<br>value of<br>$XXX. CU<br>score in file is<br>4.6. | 5/23/2025:<br>Received XXX<br>HVE. AVM is<br>required and must<br>be completed by a<br>third<br>party.5/28/2025:<br>AVM received<br>supports appraised<br>value. | 5/23/2025:<br>Exception<br>remains.5/28/20205:<br>Exception satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 15 years and 5 months. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 28.07% DTI below guideline requirement of 45%. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Median FICO 783 > 83 points above guideline program minimum of 700. |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Right of<br>Rescission | Active B | CMPROR1909 | Incorrect ROR<br>Form Used -<br>H8 Form<br>Used in<br>Refinance<br>With Original<br>Creditor | No | Regulation Z<br>designates the<br>H9 rescission<br>form as the<br>form designed<br>for same<br>lender<br>refinance<br>transactions;<br>for this loan<br>the lender is<br>using the H8<br>form.<br>Regulation Z<br>has language<br>allowing the<br>use of a<br>substantially<br>similar notice.<br>Claytons view<br>has been that<br>an H8 protects<br>the lender and<br>assignee to at<br>least the same<br>extent as an<br>H9, but<br>Clayton<br>recognized<br>that one could<br>think that the<br>mere existence<br>of the H9 takes<br>away the<br>substantially<br>similar notice<br>argument. The<br>majority of<br>U.S. Circuit<br>Courts that<br>have opined<br>on the issue<br>have upheld<br>the use of an<br>H8 in a same-<br>lender<br>refinance;<br>therefore,<br>Clayton grades<br>the use of an<br>H8 form in a<br>same-lender<br>refinance as a<br>level 2/B- Non<br>Material<br>exception in<br>those Circuits<br>that have not<br>decided on this<br>issue. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 72.722% LTV for Subject Property is below guideline max LTV of 89.99% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 785 > 85 points above guideline program minimum of 700. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 9 years and 10 months |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Credit/<br>Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations<br>not disclosed/<br>accounted for<br>at origination | No | Missing Tax<br>Cert for the<br>Subject<br>Property has<br>not been<br>uploaded by<br>the Lender. | 6/2/2025:<br>Received taxes for<br>all REOs. | 6/3/2025: Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 72.722% LTV for Subject Property is below guideline max LTV of 89.99% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 785 > 85 points above guideline program minimum of 700. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 9 years and 10 months |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | No | Missing Tax<br>Certificates for<br>XXX and<br>XXX | 6/2/2025:<br>Received taxes for<br>all REOs. | 6/3/2025: Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 72.722% LTV for Subject Property is below guideline max LTV of 89.99% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 785 > 85 points above guideline program minimum of 700. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 9 years and 10 months |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: B2 has been with the employer for 5 years 3 months. <br>CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: B2: Bonus Income: $21,000.00 YTD + $20,000.00 2024 = $41,000.00/24 months = $1,708.33; however, this income was not used to qualify for the mortgage. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post-Closing Assets: $284,321.10 - $33,560.01 guideline required reserves = $250,761.09/$16,999.50 PITIA both properties owned = 14.75 months additional reserves on both properties. |
| &nbsp;&nbsp;&nbsp;198 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 9 years & 4 months at current job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 789 is 69 points above the 720 FICO required <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower Mortgage payment 0x24x99 |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 791 FICO, 700 minimum <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 53.57 LTV, 89.99% max |
| &nbsp;&nbsp;&nbsp;200 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 7 years and 9 months. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 39.57% DTI below guideline requirement of 50%. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV is below guideline requirements of 89.99% LTV. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 791 > 91 points above guideline program minimum of 700. |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason or<br>not timely<br>disclosed;<br>refund<br>required<br>within 60 days<br>of<br>consummation | No | Zero<br>Tolerance Fee<br>of $154.20 due<br>to Transfer<br>Taxes fee.<br>Missing a<br>valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of refund<br>check to<br>borrower. | 05.09.2025 - COC<br>provided. | 05.09.2025 -<br>Exception satisfied | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 6 years and 1 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 804 > 104 points above guideline program minimum of 700. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 17.33% DTI below guideline requirement of 50%. |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession <br>- Clayton Comments: 26yrs in current profession <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0x30 reported |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets are $192,456.40 or 21.56 months of PITIA exceeds DU required amount of $0.00. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 30.68% <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 32 years with current employer. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower has a 798 FICO |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: 22 months of reserves after close. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80% <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with current employer for 6 years. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co borrower has been with employer for 15 years |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected CD<br>should have<br>been<br>provided;<br>Change of<br>Product or<br>Product<br>Feature not<br>disclosed at<br>least 3<br>business days<br>prior to<br>closing | No | Provided<br>Initial CD in<br>file dated<br>XXX is<br>illegible;<br>Please provide<br>a clear copy. | 5/13/25 - Rule<br>Satisfied by<br>updated data<br>points. | 5/13/25 - Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Per VVOE, the borrower has been employed with current employer for 6 years and 11 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified assets of $888,340.10; required assets of $628,104.56; verified reserves of $260,235.54; required reserves $0.00 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Per guidelines, the minimum credit score is 700. Loan closed with a credit score of 794. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Current mortgage reviewed for 41 months with 0 x 30. |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting period | No | Deed of Trust<br>dated XXX;<br>Notary/signed<br>on XXX | 5/13/25 - Rule<br>Satisfied by<br>updated data<br>points. | 5/13/25 - Exception<br>Satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Per VVOE, the borrower has been employed with current employer for 6 years and 11 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified assets of $888,340.10; required assets of $628,104.56; verified reserves of $260,235.54; required reserves $0.00 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Per guidelines, the minimum credit score is 700. Loan closed with a credit score of 794. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Current mortgage reviewed for 41 months with 0 x 30. |
| &nbsp;&nbsp;&nbsp;206 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1747: Housing expense increase is 10% or less <br>- Clayton Comments: 796 fico, 720 minimum <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $417371.20 or 24.37 months of PITI.Required PITI Reserves are $17125.49 X 18 = $308,258.82. |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 67.86% LTV < maximum permitted of 89.99% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 795 mid score > minimum required of 700 <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Mortgage history: 0x30 x58 months <br>CFCFS2860: Good credit history <br>- Clayton Comments: Consumer debt: 0x30 x greater than 99 months <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal use of available revolving credit lines at 3% |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 34.6% DTI <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: 19 months of reserves after closing <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer for 7 years. |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Guidelines require min score of 720. Mid fico is 792. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Qualifying LTV 80.00% below max allowed of 89.99%. |
| &nbsp;&nbsp;&nbsp;210 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower Representative Score: 777 <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer credit show 0x30x99 <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has lived at current residence for the past: 10 years |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | The affiliate<br>business<br>disclosure is<br>missing. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Guidelines require min score of 720. Mid fico is 785. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is below max allowed of 89.99%. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI is below max allowed. |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA risk<br>score > 2.5.<br>HVE in file<br>however is not<br>dated and<br>cannot be<br>used. | 5/16/2025:<br>Received XXX<br>AVM supporting<br>value. | 5/16/2025:<br>Exception satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Guidelines require min score of 720. Mid fico is 785. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is below max allowed of 89.99%. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI is below max allowed. |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset<br>documentation<br>is insufficient<br>per guideline<br>requirements | No | Provide one<br>additional<br>consecutive<br>month's bank<br>statements for<br>XXX Bk

#XXXand

#XXX &<br>XXX #XXX .<br>AUS requires<br>two months<br>statements. | 5/14/2025: Lender<br>rebuttal stating the<br>accounts were not<br>used. Clayton<br>disagrees. XXX

#XXX is also the<br>print out #XXX.<br>There is<br>transaction history<br>2/1/2025 to<br>3/19/2025. Full<br>two months<br>required. Provide<br>1/31/2025<br>statement for XXX

#XXX. (XXX Bk

#XXX and #XXX<br>are no longer<br>needed).5/27/2025:<br>Received<br>3/31/2025 XXX<br>stmnt. Used<br>balance as of<br>3/27/2025. | 5/15/2025:<br>Exception<br>remains.5/28/2025:<br>Exception satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 20.45% DTI. Max allowed 45%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified $296,591.13 in post closing reserves or 31.55 months PITI. DU requires 25,580.23 reserves. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Verified 35.27% LTV. Max allowed 80%. |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA/CU<br>Score 4.1.<br>Missing<br>Updated<br>Valuation to<br>support<br>appraised<br>value. | 5/16/2025:<br>Received XXX<br>AVM supporting<br>value. | 5/16/2025:<br>Exception satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 20.45% DTI. Max allowed 45%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified $296,591.13 in post closing reserves or 31.55 months PITI. DU requires 25,580.23 reserves. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Verified 35.27% LTV. Max allowed 80%. |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | (No Data) |

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| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Guidelines require min score of 700. Mid fico is 812. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Max LTV is 89.99%. Verified 63.88% LTV. |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3966 | TRID - CD:<br>The Will Not<br>Have an<br>Escrow<br>Account in the<br>CD Loan<br>Disclosures<br>section is<br>selected and<br>both or neither<br>of You<br>declined it<br>and/or Your<br>lender does<br>not offer one<br>are selected | No | All CDs,<br>Loan<br>Disclosures<br>Section: The<br>Will Not<br>Have an<br>Escrow<br>Account in<br>the CD Loan<br>Disclosures<br>section is<br>selected and<br>both or<br>neither of<br>You declined<br>it and/or Your<br>lender does<br>not offer one<br>are selected. | 05.09.2025 - PCCD<br>received with<br>escrow option of<br>declined received. | 05.09.2025 -<br>Exception<br>satisified | Non-Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Guidelines require min score of 700. Mid fico is 812. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Max LTV is 89.99%. Verified 63.88% LTV. |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets are $214,855.92 or 28.38 months of PITIA exceeds DU required amount of $0.00. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 25.05% DTI below guideline requirement of 50%. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Borrower2 has significant time at current job, 11 years and 1 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 797 > 97 points above guideline program minimum of 700. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 67.845% LTV is below guideline requirements of 89.99% LTV. |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | No | Missing<br>hazard<br>premium for<br>property<br>located on<br>XXX. VOM<br>shows P&I is<br>$1,468.41.<br>Tax statement<br>shows annual<br>taxes<br>$310.34,<br>hazard<br>premium is<br>missing | 5/7/2025 Received<br>copy of<br>documentation<br>already provided.<br>No new<br>documentation<br>received.5/15/2025:<br>Received docs to<br>show it is vacant<br>land. No HOI<br>needed. | 5/9/2025<br>Exception<br>remains.5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 11 years and 7 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 778 > 58 points above guideline program minimum of 720. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 35.74% DTI below guideline requirement of 50%. |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing reserves $246,801.40 or 19.03 months PITIA exceeding DU required reserves of $0.00. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower Representative Score: 789 <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Consumer credit show 0x30x99 <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer in the past: 6 years. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer in the past: 6 years. |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 753 FICO, 720 minimum <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV, 89.99 max |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 789 fico, 700 minimum <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 77.87 LTV, 89.99% max |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Required<br>Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: 9 months of reserves after close. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrowers have a 796 Fico score <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: 4 years with current employer <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: 8 years with current employer |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard<br>Insurance<br>documentation<br>in file is<br>incomplete | No | Per PCCD,<br>borrowers<br>obtained two<br>HOI policies:<br>HOI with<br>XXX for<br>$1,298 and<br>Fire with<br>California<br>Fair Plan. The<br>file has the<br>policy info<br>for the Fire<br>Policy.<br>Provide the<br>dec page for<br>the HOI with<br>XXX to<br>verify<br>coverage and<br>premium<br>collected at<br>closing. | 5/14/2025:<br>Received the<br>additional HOI<br>with $834<br>premium. One in<br>the file is for<br>$1298. | 5/15/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has 18 years & 9 months at current job <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: B2 has 16 years at current job <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower Mortgage payment 0x30x82 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 756 is 56 points above the 700 FICO required for the program |
| &nbsp;&nbsp;&nbsp;222 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance<br>Effective date<br>is greater than<br>the transaction<br>date | No | HOI effective<br>3/19/2025.<br>Seller CD<br>shows XXX<br>closing date/<br>disbursement<br>date. Final<br>CD is dated<br>XXX with<br>disbursement<br>XXX Provide<br>PCCD XXX. | 5/6/2025 Received<br>PCCD issued XXX<br>with disbursement<br>date XXX. PCCD<br>supports insurance<br>established before<br>disbursement date. | 5/9/2025<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has significant time in current profession, 18 years and 9 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 777 > 77 points above guideline program minimum of 700. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 75% LTV is below guideline requirements of 89.99% LTV. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 42.02% DTI below guideline requirement of 50%. |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason or<br>not timely<br>disclosed;<br>refund<br>required<br>within 60 days<br>of<br>consummation | No | $12.25 Zero<br>tolerance due<br>to increase in<br>credit report<br>from $182 to<br>$194.25<br>without a<br>valid COC.<br>Requires a<br>CoC, or<br>corrected<br>PCCD, copy<br>of refund<br>check, LOX<br>and<br>verification of<br>shipping. | 06.03.2025 - PCCD<br>and LOX, proof of<br>delivery and check<br>for 12.25 received. | 06.03.2025 -<br>Exception satisfied | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 743 median FICO. Minimum required 700. |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not all<br>required<br>seller-paid<br>fees were<br>disclosed on<br>the CD | No | Seller fees<br>listed on<br>Seller CD but<br>not Borrower<br>final CD. As<br>the fees are at<br>least reflected<br>there is no<br>material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID 2.0<br>revisions.<br>Exception<br>satisfied.<br>Final Grade<br>A. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co Borrower has been on same job for the past 7 years and 10 months <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been on same job for the past 17 years |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | XXXXXX | DC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: 217 months reserves verfied <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 48.5% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrowers have a 785 Fico score |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | XXXXXX | DE | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with current employer for 13.5 years <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has been XXX, with same company, for 30 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 752 mid score > minimum required of 740 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets: $1,397,532.97 (91.28 months PITIA reserves) > minimum required of 18 months PITIA reserves. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Consecutive mortgage history: 0x30 x greater than 75 months Consumer debt: 0x30 x greater than 99 months <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Minimal usage of available revolving credit limits @ 11% |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not all<br>required<br>seller-paid<br>fees were<br>disclosed on<br>the CD | No | Seller fees<br>listed on<br>Seller CD but<br>not Borrower<br>final CD. As<br>the fees are at<br>least reflected<br>there is no<br>material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department<br>and TRID 2.0<br>revisions.<br>Exception<br>satisfied. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80.0% LTV is below guideline requirements of 89.99% LTV. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 779 > 59 points above guideline program minimum of 720. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 44.56% DTI below guideline requirement of 50%. |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>3.5. Missing<br>CDA or XXX<br>HVE<br>supporting<br>$XXX value. | 5/7/2025 Received<br>XXX HVE with<br>supporting value of<br>$XXX. Value<br>within tolerance. | 5/9/2025<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80.0% LTV is below guideline requirements of 89.99% LTV. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 779 > 59 points above guideline program minimum of 720. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 44.56% DTI below guideline requirement of 50%. |
| &nbsp;&nbsp;&nbsp;228 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified DTI is 36.53%. The guideline maximum is 50%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified Credit Score 784. Guideline minimum 700. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has 25 years in the field/profession. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $211,108.67 or 28.76 months of PITIA. Required reserves $22,017.63. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Qualifying LTV 80.00% below program maximum 89.99%. |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Guidelines require min score of 700. Mid fico is 789. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is below max allowed of 89.99% |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | NM | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is<br>4.4. Missing<br>AVM<br>supporting<br>value. (HVE<br>in the file<br>cannot be<br>used. Must be<br>done by a<br>third party). | 5/28/2025:<br>Received AVM<br>supporting value. | 5/28/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Min fico 700 Median Fico 800 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets $363,944.83 or 47.75 mos. PITIA. Required reserves 3 mos. PITIA or $22,865.76. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers have 9 years at current residence. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: B2 has 28 years 2 months at current job. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Qualifying LTV 79.83% below program maximum 89.99%. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Mortgage history reports 51 mos. 0x30. |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 783 median FICO. Minimum required 700. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Verified 65% LTV. Max allowed 89.99%. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Verified 16.34% DTI. Max allowed 50%. |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in the same line of work for 18 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 806 credit score exceeds guideline minimum of 700. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 56.14% LTV is below guideline maximum of 89.99%. |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 754 qualifying FICO. Minimum required 700. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: 20yrs in current profession <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified $69,695.44 in post closing reserves. LP requires no reserves. |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $604,607.11 or 76.20 months of PITI.Required PITI Reserves are $0.00 <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Borrowers are using less than 10% of available credit <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers have 9 years at current residence. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has 23 years 6 months in same line of work. B2 has 8 years 3 months in same line of work. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Representative credit score 797 above program requirement 700. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Mortgage history reports 47 mos. 0x30. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Qualifying LTV 65.63% below program maximum 89.99%. |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller<br>CD not in file;<br>need in order<br>to complete<br>fee entry | No | Seller CD not<br>in file; need<br>in order to<br>complete fee<br>entry | 06.03.2025 - Seller<br>CD received. | 06.03.2025 -<br>Exception satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: 22.84Cash Reserves$303,078.74 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 38.63%, max 50% <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 65.55% |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA/CU<br>Score is 5.0.<br>Missing<br>AVM to<br>support value. | 5/23/2025:<br>Received XXX<br>HVE. AVM is<br>required and must<br>be completed by a<br>third<br>party.5/28/2025:<br>Received AVM<br>supporting value. | 5/23/2025:<br>Exception<br>remains.5/28/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: 22.84Cash Reserves$303,078.74 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 38.63%, max 50% <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 65.55% |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower Mortgage payment 0x30x82 |
| &nbsp;&nbsp;&nbsp;237 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 76.45% is below maximum allowed of 89.99% <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers have been at current residence for 43 years <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Primary borrower has been in the same line of work for 15 Years <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Reserves remain of $60,434.23, reserves not required |
| &nbsp;&nbsp;&nbsp;238 | XXXXXX | XXXXXX | DC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has 17 years at current job <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: B2 has 6 years & 5 months at current job |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower has a FICO score of 771 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Borrower has an additional 18+ months reserves for the subject property. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below the 89.99% max. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrowers DTI is 39% <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with employer for 15 years. |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA Score is<br>3. Missing<br>CDA to<br>support<br>appraised<br>value. (HVE<br>in the file<br>cannot be<br>used). | 5/16/2025:<br>Received XXX<br>AVM supporting<br>value. | 5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in current profession for approximately 8 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 747 exceeds guideline requirement of 700. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 79.19% is below max guideline requirement of 89.99%. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-borrower has been with current employer for approximately 3 years and 10 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets of $33,884.02 exceed reserve requirement of $4221.00. |
| &nbsp;&nbsp;&nbsp;241 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA2698 | RESPA - List<br>of<br>homeowners<br>counseling<br>organizations<br>not in file | No | Missing<br>homeowners<br>counseling<br>organization<br>list | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has 18 years & 11 months at current job <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has 7 years at current residence <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: B2 has 5 years & 9 months at current job |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied B | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason or<br>not timely<br>disclosed;<br>refund<br>required<br>within 60 days<br>of<br>consummation | No | $156.25 Zero<br>Percent<br>Tolerance<br>Violation due<br>to increase in<br>Credit Report<br>at or prior to<br>closing<br>without a<br>valid Change<br>in<br>Circumstance.<br>Requires CIC,<br>or corrected<br>PCCD, copy<br>of refund<br>check, LOX<br>and<br>verification of<br>shipping.<br>Corrected on<br>PCCD.<br>Exception<br>satisfied. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 23 years and 1 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 801 >91 points above guideline program minimum of 720. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 64.286% LTV is below guideline requirements of 80% LTV. |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components of<br>non-subject<br>PITI | No | Missing<br>property taxes<br>for primary<br>residence<br>located at<br>XXX | 5/9/2025: received<br>tax info $10,991.58<br>annual. | 5/9/2025<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 23 years and 1 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 801 >91 points above guideline program minimum of 720. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 64.286% LTV is below guideline requirements of 80% LTV. |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU/LCA<br>score is >2.5.<br>Missing<br>updated<br>valuation to<br>support value. | 5/9/2025: Received<br>XXX HVE. This is<br>not a valid AVM.<br>AVM must be<br>provided by third<br>party.5/16/2025:<br>Received XXX<br>AVM not<br>supporting value. | 5/12/2025:<br>Exception<br>remains.5/16/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 23 years and 1 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 801 >91 points above guideline program minimum of 720. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 64.286% LTV is below guideline requirements of 80% LTV. |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR5355 | Most recent<br>FSD score<br>outside of<br>approved<br>variance | No | 5/16/2025:<br>Exception<br>added after<br>review of<br>trailing docs:<br>Received<br>XXX AVM,<br>not<br>supporting<br>value. FSD is<br>18. Highest<br>allowed per<br>guides is 13.<br>Desk Review<br>is next<br>required<br>report in<br>waterfall. | 5/20/2025:<br>Received CDA<br>supporting value. | 5/23/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 23 years and 1 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 801 >91 points above guideline program minimum of 720. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 64.286% LTV is below guideline requirements of 80% LTV. |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 5/16/2025:<br>Exception<br>added after<br>review of<br>trailing docs:<br>Received<br>XXX AVM,<br>not<br>supporting<br>value. Value<br>is >10% less<br>than what is<br>noted on<br>appraisal.<br>Desk Review<br>is next<br>required<br>report in<br>waterfall. | 5/20/2025:<br>Received CDA<br>supporting value. | 5/23/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 23 years and 1 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 801 >91 points above guideline program minimum of 720. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 64.286% LTV is below guideline requirements of 80% LTV. |
| &nbsp;&nbsp;&nbsp;243 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Borrower has an additional $64000 in reserves over DU required amount. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrowers 782 FICO score exceeds the 720 minimum. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below the 89.99 max. |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence <br>- Clayton Comments: The borrowers have resided at current residence for 12 years. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 19 years and 6 months. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has significant time at current job, 18 years and 2 months. |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 54.783% LTV for Subject Property is below guideline max LTV of 80.0% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 793 >73 points above guideline program minimum of 720. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 24 years and 0 months. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 37.72% DTI below guideline requirement of 45%. |
| &nbsp;&nbsp;&nbsp;246 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has 7 years in same line of work. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Qualifying LTV 75.654% below program maximum 89.99%. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Mortgage history reports 40 mos. 0x30. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets of $372,266.56. or 36.79 months PITI. No reserves required. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Borrower has low usage of consumer credit, credit line usage ratio 10.128%. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 723 is 23 points above the 700 FICO required for the program <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 4 years & 6 months at current job |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA returned<br>no score.<br>Missing<br>AVM to<br>support value. | 5/28/2025: AVM<br>provided supports<br>appraised value. | 5/28/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified credit score 790. Minimum score 700. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 37.18% is less than the guideline maximum of 50%. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: B2 has been employed in position 9 years and 10 months. |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrower median credit score 748. Minimum 700. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 40.02%, MAX 50% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Verified reserves 34.66Cash Reserves$339,174.51 |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close reserves $274,729.54 or 28 months PITIA. No reserves required by AUS. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score 815 is above guideline 700. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV 65% is below guideline maximum 89.99% |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID5115 | TRID -<br>Closing<br>Disclosure:<br>The Creditors<br>Brokers or<br>Contact<br>persons<br>NMLS or<br>State ID is<br>missing | No | All CDs:<br>Contact<br>Information<br>Section -<br>Lender's<br>NMLS or<br>State ID is<br>missing for<br>agency. | 05.09.2025- PCCD<br>received however<br>Contact<br>Information section<br>is still missing<br>Lender's NMLS<br>ID. only contact<br>NMLS is provided<br>need Lenders as<br>well. 5.13.25 -<br>PCCD received<br>with Lender's<br>NMLS ID. | 05.09.2025 -<br>Exception remains<br>5.13.25 -<br>Exception<br>satisfied. | Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 14 years & 8 months at current job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 817 FICO exceeds minimum 700. |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: B2 has been in his profession for 22 years. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B2 has been XXX for 24 years 2 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post-Closing Assets: $2,152,478.67 verified. AUS requires no reserves. |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing AUS<br>or AUS errors<br>present | No | Provide<br>complete DU<br>Findings. The<br>file has the<br>Summary of<br>Findings<br>only. AUS is<br>required to<br>determine<br>what income<br>and assets<br>documents<br>are required<br>to complete<br>an accurate<br>review. | 5/12/2025:<br>Received DU<br>Findings #10<br>5/6/2025 Casefile

#XXX. | 5/13/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: B2 has been in his profession for 22 years. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B2 has been XXX for 24 years 2 months. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post-Closing Assets: $2,152,478.67 verified. AUS requires no reserves. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition<br>Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial<br>Comments** | **Client/Seller<br>Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not all<br>required<br>seller-paid<br>fees were<br>disclosed on<br>the CD | No | Seller fees<br>listed on Seller<br>CD but not<br>Borrower final<br>CD. As the<br>fees are at least<br>reflected there<br>is no material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department and<br>TRID 2.0<br>revisions.<br>Exception<br>satisfied. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 54.05% LTV for Subject Property is below guideline max LTV of 89.99% <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 16 years and 10 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 800 > 100 points above guideline program minimum of 700. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Borrower2 has significant time at current job, 29 years and 4 months. |
| &nbsp;&nbsp;&nbsp;253 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has 21 years & 7 months at current job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 762 is 62 points above the 700 FICO required for the program |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA2704 | RESPA - List<br>of<br>homeowners<br>counseling<br>organizations<br>not compliant | No | Please provide<br>the List of<br>homeowners<br>counseling<br>organizations,<br>document in<br>file shows the<br>list was<br>provided on<br>XXX but list<br>isn't included. | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence <br>- Clayton Comments: The borrowers have resided at current residence for 9 years. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has significant time at current job, 8 years and 6 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 757 exceeds the guideline program minimum of 700. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: B2 has 29 years in same line of work. |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Provide<br>missing<br>Affiliated<br>Business<br>Disclosure. | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence <br>- Clayton Comments: The borrowers have resided at current residence for 9 years. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Co-Borrower has significant time at current job, 8 years and 6 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO of 757 exceeds the guideline program minimum of 700. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: B2 has 29 years in same line of work. |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Min fico 700; Median fico 778 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets: $62,579.01 or 8.92 months PITIA. |
| &nbsp;&nbsp;&nbsp;256 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliated<br>Business<br>Disclosure | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 789 is 89 points above the 700 FICO required for the program |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliated<br>Business<br>disclosure No<br>FACTS in File. | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Qualifying DTI 31.42% below 43% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 796 above program requirement 700. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has 10 years 8 months at current job. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 in same line of work for 50 years. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Mortgage history reports 72 mos. 0x30. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Qualifying LTV 77.53% below program maximum 89.99%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets $1,170,103.91 or 81.10 months PITIA. Required reserves $43,282.98. |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation: CU<br>score is > 2.5. | 5/21/2025:<br>XXX HVE<br>provided. AVM<br>is required and<br>must be<br>completed by<br>third<br>party.5/28/2025:<br>AVM provided<br>supports<br>appraised value. | 5/23/2025:<br>Exception<br>remains.5/28/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Qualifying DTI 31.42% below 43% maximum. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 796 above program requirement 700. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has 10 years 8 months at current job. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 in same line of work for 50 years. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Mortgage history reports 72 mos. 0x30. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Qualifying LTV 77.53% below program maximum 89.99%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets $1,170,103.91 or 81.10 months PITIA. Required reserves $43,282.98. |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | XXXXXX | DC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU Score is<br>3.4. Missing<br>AVM to<br>support value. | 5/28/2025:<br>Received AVM<br>supporting<br>value. | 5/28/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Borrowers have $236,000 in reserves after closing. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrowers 796 FICO exceeds the 700 minimum. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV is below the 89.99% max. |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers have 17 years at current residence. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Mortgage history reports 82 mos. 0x30. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $144,953.67 or 10.99 months of PITI. Required reserves 3 mos. PITI or $39,585.75. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 57.68% is less than the guideline maximum of 89.99% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified credit score 756. Guideline minimum 720. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has XXX the business for 33 year and 3 months. |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrowers 782 FICO exceeds the 720 guideline. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Borrower has $70618 in reserves which is $34000 more than the 3 months required PITI <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 80% is below the 89.99 max. |
| &nbsp;&nbsp;&nbsp;261 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI > 20 points below guideline maximum <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 790 is 90 points above the 700 FICO required for the program |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not all<br>required<br>seller-paid<br>fees were<br>disclosed on<br>the CD | No | Seller fees<br>listed on Seller<br>CD but not<br>Borrower final<br>CD. As the<br>fees are at least<br>reflected there<br>is no material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department and<br>TRID 2.0<br>revisions.<br>Exception<br>satisfied. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 761 mid score > minimum required of 700 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80.0% LTV < maximum permitted of 89.99% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets: $103,337.37 (11.62 months PITIA reserves). No reserves required. |
| &nbsp;&nbsp;&nbsp;263 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not all<br>required<br>seller-paid<br>fees were<br>disclosed on<br>the CD | No | Seller fees<br>listed on Seller<br>CD but not<br>Borrower final<br>CD. As the<br>fees are at least<br>reflected there<br>is no material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department and<br>TRID 2.0<br>revisions.<br>Exception<br>satisfied. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has 17 years at current job <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has 8 ears at current residence <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: B2 has 14 years & 14 months at current job <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI > 10 points below guideline maximum <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 764 is 64 points above the 700 FICO required for the program |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification of<br>some or all<br>components<br>of non-subject<br>PITI | No | Missing Tax<br>Cert for XXX | 6/2/2025:<br>Received tax<br>cert. | 6/3/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 9 years and 7 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 774 >74 points above guideline program minimum of 700. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 89.99% |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC2408 | Income<br>verification<br>does not meet<br>guidelines | No | Missing Lease<br>Agreement for<br>XXX for<br>monthly rent of<br>$3000.00 per<br>month. | 6/2/2025:<br>Received<br>current lease<br>agreement. | 6/3/2025:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 9 years and 7 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 774 >74 points above guideline program minimum of 700. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 89.99% |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Representative score 773 exceeds 700 required. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Qualifying DTI 31.644% Below 43% maximum. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets $614,086.38 or 79.19 months PITI. Required reserves of 3 mos. PITI or $23,264.10. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has 13 years 6 months at current residence. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Qualifying LTV 80.00% below program maximum 89.99%. |
| &nbsp;&nbsp;&nbsp;266 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID Not all<br>required<br>seller-paid<br>fees were<br>disclosed on<br>the CD | No | Seller fees<br>listed on Seller<br>CD but not<br>Borrower final<br>CD. As the<br>fees are at least<br>reflected there<br>is no material<br>issue. This<br>exception is<br>informational<br>per Clayton<br>Compliance<br>department and<br>TRID 2.0<br>revisions.<br>Exception<br>satisfied. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: XXX of the business since 2017 <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: 33 months history <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Exceeds 700 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Qualifying LTV 70.00% below program maximum 75.00%. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has 12 years in same line of work. |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Qualifying FICO of 774 is 57 points above the 700 FICO required for the program <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI > 14 points below guideline maximum |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Min fico 700; Median fico B1 and B2, 809 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves required per DU, $1,569.00; Verified reserves $1,281,166.70 excess after closing <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has 20 years 3 months in same line of work. B2 has 20 years in same line of work. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: B1 has 10 years 2 months at current residence. B2 has 4 years 6 months at current residence. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: Qualifying LTV 65.00% below program maximum 89.99%. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Mortgage history reports 20 mos. 0x30, 1 mo. 0x30, 55 mos. 0x30, 48 mos. 0x30, 48 mos. 0x03, 57 mos. 0x30, 48 mos. 0x30, 48 mos. 0x30, and 48 mos. 0x30. |
| &nbsp;&nbsp;&nbsp;269 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit <br>- Clayton Comments: Negligible use of available revolving credit lines @ 1% <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 mid score > minimum required of 720 <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 62.99% LTV < maximum permitted of 89.99% <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets: $1,760,244.05 (106 months PITIA reserves) > minimum reserves required of 3 months PITIA <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has 5 years 5 months at current job. <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has 10 years in same line of work. |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied B | CMPTRID3670 | TRID - Zero<br>tolerance fee<br>or fees<br>increased at or<br>prior to<br>closing<br>without a<br>valid reason<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | $2.50 Zero<br>Percent<br>Tolerance<br>Violation due<br>to increase in<br>Transfer Taxes<br>at or prior to<br>closing without<br>a valid Change<br>in<br>Circumstance.<br>Refund<br>provided on<br>PCCD XXX.<br>Exception<br>satisfied. | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 27.16% DTI below guideline requirement of 45%. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 11 years and 4 months. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 767 > 67 points above guideline program minimum of 700. |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Credit | Credit/Mtg<br>History | Active B | CRDCRMH104 | Credit score<br>below<br>guidelines | No | Median FICO<br>>699 below<br>guideline<br>program<br>minimum of<br>700 | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower 1 has been in current profession for 6 years. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 80% LTV below guideline requirements of 89.99% per program. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $167,820.67 or 25.77 months PITI . Required PITI Reserves are $0 per AUS |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 758 > 58 points above guideline program minimum of 700. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has significant time at current job, 2 years and 6 months. <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: Borrower2 has significant time at current job, 18 years and 0 months. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 44.69% DTI below guideline requirement of 45%. |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV 80% for second home <$1,500,000 loan amount. Borrower LTV 40% <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Max DTI 50%, DTI 37% <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Excellent mortgage history 0 x 30 past 10 yrs <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Second home minimum 700, fico 765 <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has 44 years in same line of work. <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: B1 has 9 years at current job. <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Mortgage history reports 57 mos. 0x30, 99 mos. 0x30, 64 mos. 0x30, and 82 mos. 0x30 and 82 mos. 0x30. |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Borrower has over $5 million in reserves after close. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Borrowers 787 FICO score exceeds the 720 minimum. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 70% is below the 89.99% max. |

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| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2025-J1 Securitization_J15739** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *274* |
| ***Loans with Conditions:*** | *114* |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **TRID<br>Indicator** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | Yes | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | Yes | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | Yes | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | Yes | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | Yes | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | Yes | XXXXXX | XXXXXX D B A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;34 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;39 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;40 | XXXXXX | Yes | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | Yes | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;48 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;56 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | Yes | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;70 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;73 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;78 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;83 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | Yes | XXXXXX | XXXXXX D A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | Yes | XXXXXX | XXXXXX D B C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | Yes | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;116 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | Yes | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | Yes | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;131 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;139 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | Yes | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;148 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | Yes | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;156 | XXXXXX | Yes | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | Yes | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **TRID<br>Indicator** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | Yes | XXXXXX | XXXXXX D A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | Yes | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | Yes | XXXXXX | XXXXXX D A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | Yes | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;181 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;184 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;185 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | Yes | XXXXXX | XXXXXX D B A C | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;187 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;188 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | Yes | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;194 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | Yes | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;198 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;200 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | Yes | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | Yes | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;206 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;210 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | Yes | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;222 | XXXXXX | Yes | XXXXXX | XXXXXX C A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;228 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;237 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;238 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | Yes | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;241 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | Yes | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;243 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;246 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | Yes | XXXXXX | XXXXXX C B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | Yes | XXXXXX | XXXXXX D B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;253 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;256 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | Yes | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | Yes | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;261 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;263 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | Yes | XXXXXX | XXXXXX D A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;266 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;269 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | Yes | XXXXXX | XXXXXX B A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | Yes | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | Yes | XXXXXX | XXXXXX A | Not<br>Applicable |

---

## Exhibit 99.3

**EXHIBIT 99.3** 

**CLAYTON RATING AGENCY ATR QM DATA FIELDS** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2025-J1 Securitization_J15739** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *274* |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **TRID<br>Indicator** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 11058 | XXXXXX | 7.2695 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 17748.2 | XXXXXX | 6.6778 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 21173.3 | XXXXXX | 7.1286 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 21168.2 | XXXXXX | 7.0359 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 21658 | XXXXXX | 7.3398 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 16870 | XXXXXX | 6.8082 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 10526.64 | XXXXXX | 7.6213 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 15393 | XXXXXX | 6.8619 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 12594.5 | XXXXXX | 6.9967 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 12981.5 | XXXXXX | 6.7216 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 14219 | XXXXXX | 6.8855 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 7232.31 | XXXXXX | 6.6412 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 27324.86 | XXXXXX | 6.5195 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 21501.68 | XXXXXX | 7.2376 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 18931.24 | XXXXXX | 6.8987 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 19659.5 | XXXXXX | 7.0949 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 6439.22 | XXXXXX | 6.8675 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 19629 | XXXXXX | 6.8842 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 31172.6 | XXXXXX | 6.9792 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 13669 | XXXXXX | 7.0313 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.9062 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 10895.76 | XXXXXX | 6.6435 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 15435.8 | XXXXXX | 6.678 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 15798.68 | XXXXXX | 7.0288 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 14158.7 | XXXXXX | 6.5667 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;26 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 30083.44 | XXXXXX | 6.762 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 15344 | XXXXXX | 6.8097 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 19998 | XXXXXX | 7.0019 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 12045.46 | XXXXXX | 7.269 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 3824.81 | XXXXXX | 6.7924 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.9657 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1295 | XXXXXX | 6.3818 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1490 | XXXXXX | 6.891 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;34 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1195 | XXXXXX | 6.5227 | Employed | Unemployed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 595 | XXXXXX | 6.5056 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.7531 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1690 | XXXXXX | 6.646 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 5120.1 | XXXXXX | 6.3178 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;39 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1495 | XXXXXX | 6.9016 | Unemployed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;40 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1740 | XXXXXX | 6.5126 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 865 | XXXXXX | 6.5117 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1699 | XXXXXX | 6.6625 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 10345 | XXXXXX | 7.0067 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.6211 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.8731 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1690 | XXXXXX | 6.8054 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1495 | XXXXXX | 7.2805 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;48 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 24938.73 | XXXXXX | 6.7144 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 5505.38 | XXXXXX | 7.0472 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1195 | XXXXXX | 7.1424 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1693.47 | XXXXXX | 7.0461 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1445 | XXXXXX | 6.7857 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 13845 | XXXXXX | 7.7801 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1725 | XXXXXX | 6.8924 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 10650 | XXXXXX | 6.7399 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;56 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1095 | XXXXXX | 6.2916 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 3933 | XXXXXX | 6.9194 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1745 | XXXXXX | 7.2699 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 7572.75 | XXXXXX | 7.0391 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 18072.6 | XXXXXX | 7.4197 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1690 | XXXXXX | 6.8988 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1095 | XXXXXX | 6.7562 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1995 | XXXXXX | 6.9757 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1695 | XXXXXX | 7.0221 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1999 | XXXXXX | 7.1507 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 15450 | XXXXXX | 6.6184 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1619 | XXXXXX | 6.5169 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1740 | XXXXXX | 6.6489 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1675 | XXXXXX | 6.9976 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;70 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1350 | XXXXXX | 6.8895 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1890 | XXXXXX | 7.0665 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1890 | XXXXXX | 7.156 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;73 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1395 | XXXXXX | 6.8934 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1695 | XXXXXX | 7.1475 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1740 | XXXXXX | 7.0406 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 6935.65 | XXXXXX | 7.0906 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1770 | XXXXXX | 7.66 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;78 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 6241 | XXXXXX | 6.7633 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1595 | XXXXXX | 7.0565 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1171.75 | XXXXXX | 7.6475 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 5370.56 | XXXXXX | 6.9352 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 7450 | XXXXXX | 6.9364 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;83 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 895 | XXXXXX | 8.1375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1145 | XXXXXX | 6.8884 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1395 | XXXXXX | 7.6484 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.6846 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1995 | XXXXXX | 6.9037 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 11475.2 | XXXXXX | 7.5701 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1495 | XXXXXX | 7.532 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.9994 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1903.5 | XXXXXX | 6.8531 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 11090.2 | XXXXXX | 7.1244 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2295 | XXXXXX | 6.9629 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1710 | XXXXXX | 7.3934 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 7.5433 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1050 | XXXXXX | 7.2792 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1595 | XXXXXX | 6.8981 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 13263.75 | XXXXXX | 6.9709 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 13794 | XXXXXX | 6.7905 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 5.8741 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1690 | XXXXXX | 6.7981 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1490 | XXXXXX | 7.5349 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1199 | XXXXXX | 6.7675 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2165 | XXXXXX | 7.4019 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 14124.67 | XXXXXX | 6.9889 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 17560 | XXXXXX | 6.6447 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 3005 | XXXXXX | 7.5305 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1195 | XXXXXX | 6.8822 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1419 | XXXXXX | 6.7599 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 16224.75 | XXXXXX | 6.8803 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1695 | XXXXXX | 7.4627 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1978.9 | XXXXXX | 7.0397 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1949 | XXXXXX | 7.1687 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1595 | XXXXXX | 6.8159 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;116 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1595 | XXXXXX | 6.9073 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 795 | XXXXXX | 6.8872 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1329 | XXXXXX | 6.9842 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1050 | XXXXXX | 6.8823 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 945 | XXXXXX | 7.0145 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 7695 | XXXXXX | 6.8173 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1375 | XXXXXX | 7.029 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 5417 | XXXXXX | 6.5232 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1270 | XXXXXX | 7.0147 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;125 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1590 | XXXXXX | 6.7831 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 8902.47 | XXXXXX | 6.8904 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2730 | XXXXXX | 7.4312 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1099 | XXXXXX | 7.0615 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1470 | XXXXXX | 6.3961 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1195 | XXXXXX | 6.8382 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;131 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 7.401 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1525 | XXXXXX | 7.3025 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1430 | XXXXXX | 7.6457 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1100 | XXXXXX | 7.5184 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 4604 | XXXXXX | 6.722 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 995 | XXXXXX | 6.5606 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1100 | XXXXXX | 6.7774 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;138 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1095 | XXXXXX | 7.0156 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;139 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 13275 | XXXXXX | 6.5156 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1395 | XXXXXX | 6.7706 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2624 | XXXXXX | 6.9233 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;142 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1145 | XXXXXX | 7.0145 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 6312.75 | XXXXXX | 6.7524 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 995 | XXXXXX | 6.9199 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 8790 | XXXXXX | 6.9451 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 995 | XXXXXX | 6.3919 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 899 | XXXXXX | 7.0149 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;148 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1495 | XXXXXX | 6.7805 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;149 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2540 | XXXXXX | 6.8251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2569 | XXXXXX | 7.5325 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;151 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1945 | XXXXXX | 7.1798 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1600 | XXXXXX | 6.7848 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1895 | XXXXXX | 6.8976 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 9795 | XXXXXX | 6.7439 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1195 | XXXXXX | 6.9021 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;156 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1490 | XXXXXX | 7.0279 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1050 | XXXXXX | 7.5156 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 5279.54 | XXXXXX | 6.8419 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **TRID<br>Indicator** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1095 | XXXXXX | 6.518 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1895 | XXXXXX | 6.8841 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1815 | XXXXXX | 6.8229 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1198 | XXXXXX | 6.7626 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 100 | XXXXXX | 6.5401 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 895 | XXXXXX | 6.762 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 7360.14 | XXXXXX | 6.9083 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 18384.38 | XXXXXX | 7.319 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1329 | XXXXXX | 6.9038 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 11459.6 | XXXXXX | 6.9914 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1529.8 | XXXXXX | 6.6708 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.8694 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1657 | XXXXXX | 7.3943 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1475 | XXXXXX | 6.6311 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1390 | XXXXXX | 6.8295 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 3200 | XXXXXX | 7.1505 | Employed | Employed | Non-Resident Alien | Non-Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.7586 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 9050 | XXXXXX | 6.9511 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 200 | XXXXXX | 7.2506 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1920 | XXXXXX | 6.7607 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1195 | XXXXXX | 6.6896 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 150 | XXXXXX | 7.0402 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;181 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 5290 | XXXXXX | 6.6668 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1695 | XXXXXX | 6.9298 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;183 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 12649 | XXXXXX | 7.1158 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;184 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1499 | XXXXXX | 6.6366 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;185 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1895 | XXXXXX | 6.7785 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1320 | XXXXXX | 6.7672 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;187 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1595 | XXXXXX | 6.6368 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;188 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1795 | XXXXXX | 6.7612 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1160 | XXXXXX | 6.9184 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;190 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 5030.53 | XXXXXX | 6.8759 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1570 | XXXXXX | 6.7899 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 3212 | XXXXXX | 6.6383 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 4748 | XXXXXX | 6.7853 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;194 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 12250 | XXXXXX | 6.9095 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 12569.5 | XXXXXX | 6.866 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 950 | XXXXXX | 6.8915 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.8797 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;198 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1450 | XXXXXX | 6.7582 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1500 | XXXXXX | 6.6731 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;200 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 12595 | XXXXXX | 6.7696 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1658.8 | XXXXXX | 6.904 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1690 | XXXXXX | 6.6193 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 3232 | XXXXXX | 6.4064 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 9955 | XXXXXX | 7.0007 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1690 | XXXXXX | 6.5957 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;206 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 9285.5 | XXXXXX | 6.6327 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.5925 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1790 | XXXXXX | 6.6514 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1555 | XXXXXX | 6.7635 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;210 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1595 | XXXXXX | 6.645 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1520 | XXXXXX | 6.267 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1415 | XXXXXX | 6.1799 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1925 | XXXXXX | 7.0092 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 7568.75 | XXXXXX | 6.5737 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1250 | XXXXXX | 6.7629 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 8990 | XXXXXX | 6.9222 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2144.7 | XXXXXX | 6.5737 | Employed | Unemployed | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1995 | XXXXXX | 6.6825 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 3695 | XXXXXX | 6.6676 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1895 | XXXXXX | 7.1517 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;222 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 4324.36 | XXXXXX | 6.9007 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1095 | XXXXXX | 7.0144 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1995 | XXXXXX | 7.0356 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 0 |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1915 | XXXXXX | 6.6527 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 14670 | XXXXXX | 6.9441 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1825 | XXXXXX | 6.778 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;228 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 164 | XXXXXX | 5.854 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.3801 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 9001.81 | XXXXXX | 7.4733 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 6430 | XXXXXX | 6.5543 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1419 | XXXXXX | 6.7753 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1995 | XXXXXX | 6.9237 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.5963 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1095 | XXXXXX | 6.7596 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1570 | XXXXXX | 7.1771 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;237 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1790 | XXXXXX | 6.8881 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;238 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1490 | XXXXXX | 6.8972 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1499 | XXXXXX | 6.7675 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1400 | XXXXXX | 6.7682 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;241 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1145 | XXXXXX | 6.767 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 975 | XXXXXX | 6.5076 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;243 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2095 | XXXXXX | 6.78 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1478 | XXXXXX | 6.9004 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1590 | XXXXXX | 6.6432 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;246 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 126 | XXXXXX | 6.6308 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 870 | XXXXXX | 6.801 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2335 | XXXXXX | 6.9246 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2010 | XXXXXX | 6.77 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 7820 | XXXXXX | 6.9736 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;251 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1395 | XXXXXX | 7.0156 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1900 | XXXXXX | 6.5009 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;253 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1395 | XXXXXX | 6.907 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1595 | XXXXXX | 6.913 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1895 | XXXXXX | 7.3329 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;256 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1595 | XXXXXX | 6.7436 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1709.75 | XXXXXX | 6.6381 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1199 | XXXXXX | 6.8023 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 865 | XXXXXX | 6.3827 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.8972 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;261 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 11030 | XXXXXX | 6.7687 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 4514.95 | XXXXXX | 6.9529 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;263 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1695 | XXXXXX | 7.2779 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 14270 | XXXXXX | 6.7496 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;265 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 5973.73 | XXXXXX | 7.384 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;266 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1790 | XXXXXX | 6.4107 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;267 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1735 | XXXXXX | 6.9705 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1395 | XXXXXX | 6.5527 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;269 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 3385 | XXXXXX | 6.9035 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1570 | XXXXXX | 6.5214 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.8767 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;272 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1620 | XXXXXX | 6.4204 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1150 | XXXXXX | 6.3866 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;274 | XXXXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2000 | XXXXXX | 6.7965 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

<sup>©</sup>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** 

**CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD** 

------

---

| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC PMTLT 2025-J1 Securitization_J15739 |

---

**Loan Level Tape Compare Upload** 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| *Loans in Report*<br>| *274*<br>|  |  |  |  |
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | Cash Reserves | 404611.81 | 300564.66 |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | Cash Reserves | 299086.90 | 9903.02 |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | Cash Reserves | 524099.03 | 315567.94 |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | Cash Reserves | 555438.12 | 175624.51 |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | Cash Reserves | 318870.97 | 77927.31 |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | Cash Reserves | 77589.81 | 99947.06 |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | Total Cash Out | 11304.50 | 12950.96 |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | XXXXXX | Cash Reserves | 111691.82 | 12257.22 |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | XXXXXX | Property Type | SFR | SFR-Attached |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | Combined LTV | 78.51 | 80.00 |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | Original LTV | 78.51 | 80.00 |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | XXXXXX | Cash Reserves | 453928.92 | 83149.46 |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | Cash Reserves | 270993.96 | 8289.18 |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | Cash Reserves | 973170.36 | 322287.37 |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | Cash Reserves | 377315.38 | 225104.21 |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | Combined LTV | 80.00 | 80.20 |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | Original LTV | 80.00 | 80.20 |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | Cash Reserves | 975342.98 | 486845.44 |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | Cash Reserves | 439047.66 | 30891.25 |
| &nbsp;&nbsp;&nbsp;16 | XXXXXX | XXXXXX | Credit Report Date | 11/13/2024 | 03/11/2025 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Cash Reserves | 1662822.57 | 141368.40 |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | Cash Reserves | 1088410.42 | 710835.98 |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | Cash Reserves | 1008511.15 | 160.92 |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | Cash Reserves | 452770.10 | 109657.61 |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | Cash Reserves | 56472.11 | 147567.67 |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | Cash Reserves | 1680182.69 | 1107803.31 |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | Cash Reserves | 676404.25 | 136917.97 |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | Cash Reserves | 3181700.03 | 243457.92 |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | Cash Reserves | 424480.56 | 564126.67 |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | Combined LTV | 76.70 | 76.71 |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | Original LTV | 76.70 | 76.71 |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | Origination Channel | Broker | Retail |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;32 | XXXXXX | XXXXXX | Cash Reserves | 1328627.51 | 774064.90 |
| &nbsp;&nbsp;&nbsp;34 | XXXXXX | XXXXXX | Cash Reserves | 297822.75 | 12006.85 |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | Cash Reserves | 2937945.85 | 159093.83 |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | Cash Reserves | 589761.55 | 105342.82 |
| &nbsp;&nbsp;&nbsp;39 | XXXXXX | XXXXXX | Borrower 1 Total Income | 519.00 | 0.00 |
| &nbsp;&nbsp;&nbsp;39 | XXXXXX | XXXXXX | Cash Reserves | 1809125.00 | 13964292.40 |
| &nbsp;&nbsp;&nbsp;40 | XXXXXX | XXXXXX | Cash Reserves | 894696.54 | 261942.65 |
| &nbsp;&nbsp;&nbsp;41 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | Cash Reserves | 2703733.20 | 525656.61 |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Cashout Refi |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | Cash Reserves | 3269609.41 | 0.00 |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | Combined LTV | 31.07 | 31.08 |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Construction/Perm |
| &nbsp;&nbsp;&nbsp;44 | XXXXXX | XXXXXX | Original LTV | 31.07 | 31.08 |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | Combined LTV | 75.77 | 73.30 |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | Original LTV | 75.77 | 73.30 |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | XXXXXX | Cash Reserves | 767099.21 | 111943.01 |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | Borrower 1 Total Income | 31255.76 | 22056.19 |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | Cash Reserves | 76263.97 | 41359.95 |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | XXXXXX | Cash Reserves | 661461.14 | 30435.72 |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | XXXXXX | Cash Reserves | 405480.07 | 233858.98 |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | Cash Reserves | 789203.40 | 102499.79 |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | Cash Reserves | 343707.71 | 27222.64 |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | Combined LTV | 59.48 | 59.49 |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | Original LTV | 59.48 | 59.49 |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | Cash Reserves | 7468.08 | 25468.08 |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | Debt to Income Ratio (Back) | 21.6250 | 17.7898 |
| &nbsp;&nbsp;&nbsp;56 | XXXXXX | Cash Reserves | 476929.45 | 221356.71 |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | Cash Reserves | 1386444.89 | 614003.86 |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | Cash Reserves | 107100.39 | 304857.76 |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | Cash Reserves | 787562.00 | 274486.11 |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | Cash Reserves | 410903.69 | 176429.82 |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | Cash Reserves | 324387.71 | 51483.68 |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | Cash Reserves | 736279.24 | 13575.65 |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | Total Cash Out | 565208.32 | 472699.40 |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | Cash Reserves | 902291.61 | 121732.36 |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | Cash Reserves | 1254053.51 | 718618.23 |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | Cash Reserves | 330722.32 | 695896.93 |
| &nbsp;&nbsp;&nbsp;70 | XXXXXX | Cash Reserves | 1013589.37 | 236046.21 |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | Cash Reserves | 718657.71 | 371129.19 |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | Cash Reserves | 974310.45 | 420519.03 |
| &nbsp;&nbsp;&nbsp;73 | XXXXXX | Cash Reserves | 1210051.80 | 438570.23 |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | Cash Reserves | 491494.42 | 209065.80 |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | Cash Reserves | 601575.23 | 299247.64 |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | Cash Reserves | 1151970.56 | 89487.99 |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | Borrower 1 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;78 | XXXXXX | Cash Reserves | 259818.16 | 107895.01 |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | Cash Reserves | 506282.64 | 100777.52 |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | Cash Reserves | 804082.14 | 175764.02 |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | Original LTV | 57.90 | 57.89 |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | Cash Reserves | 428750.34 | 176885.72 |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | Cash Reserves | 49596.84 | 36706.44 |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | Cash Reserves | 412375.61 | 213107.90 |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | Cash Reserves | 877737.03 | 308366.14 |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | Cash Reserves | 294103.49 | 3685.30 |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | Combined LTV | 79.65 | 77.33 |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | Original LTV | 79.65 | 77.33 |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | Cash Reserves | 443672.32 | 114567.20 |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | Cash Reserves | 33866.01 | 10750.76 |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | Property Zip | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | Cash Reserves | 434325.26 | 176893.07 |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | Credit Report Date | 01/11/2025 | 01/14/2025 |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | Credit Report Date | 10/09/2024 | 01/28/2025 |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | Total Cash Out | 728568.21 | 722851.08 |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | Cash Reserves | 703319.10 | 1004510.71 |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | Combined LTV | 37.44 | 37.50 |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | Cash Reserves | 257000.00 | 89603.92 |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | Cash Reserves | 991752.99 | 720821.90 |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | Cash Reserves | 601343.44 | 249624.36 |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | Cash Reserves | 506309.92 | 94849.09 |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | Credit Report Date | 11/19/2024 | 12/12/2024 |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | Cash Reserves | 4407697.52 | 1734341.24 |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | Cash Reserves | 494626.15 | 64355.66 |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | Cash Reserves | 350245.98 | 31860.15 |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | Cash Reserves | 1508360.12 | 1050700.52 |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | Cash Reserves | 1022578.60 | 200367.85 |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | Cash Reserves | 8042987.00 | 1975747.94 |
| &nbsp;&nbsp;&nbsp;105 | XXXXXX | Total Monthly Income | 305711.00 | 423535.70 |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | Cash Reserves | 213023.66 | 26993.52 |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | Cash Reserves | 738543.47 | 976719.57 |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | Cash Reserves | 430441.21 | 78178.70 |
| &nbsp;&nbsp;&nbsp;108 | XXXXXX | Credit Report Date | 01/07/2025 | 01/17/2025 |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | Cash Reserves | 225440.00 | 132228.68 |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | Debt to Income Ratio (Back) | 37.7410 | 32.5844 |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | Cash Reserves | 1700234.37 | 1215074.27 |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | Cash Reserves | 1158209.00 | 158461.21 |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | Cash Reserves | 272481.85 | 72551.85 |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | Borrower 1 Total Income | 3768.30 | 1330.80 |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | Cash Reserves | 332399.04 | 199668.50 |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | Cash Reserves | 608237.49 | 255779.20 |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | Cash Reserves | 1166104.65 | 28768.62 |
| &nbsp;&nbsp;&nbsp;116 | XXXXXX | Cash Reserves | 2106047.00 | 892441.06 |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | Cash Reserves | 614093.30 | 151104.78 |
| &nbsp;&nbsp;&nbsp;119 | XXXXXX | Cash Reserves | 884151.07 | 367850.89 |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | Cash Reserves | 460133.41 | 99140.93 |
| &nbsp;&nbsp;&nbsp;121 | XXXXXX | Total Cash Out | 34831.79 | 195359.23 |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | Cash Reserves | 602322.50 | 302566.81 |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | Cash Reserves | 668943.88 | 375468.98 |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | Credit Report Date | 08/21/2024 | 10/11/2024 |
| &nbsp;&nbsp;&nbsp;123 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | Cash Reserves | 161218.38 | 0.00 |
| &nbsp;&nbsp;&nbsp;124 | XXXXXX | Loan Purpose | Rate and Term Refi | Construction/Perm |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | Cash Reserves | 570828.54 | 278233.71 |
| &nbsp;&nbsp;&nbsp;126 | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Broker |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | Cash Reserves | 206860.00 | 4800.90 |
| &nbsp;&nbsp;&nbsp;128 | XXXXXX | Cash Reserves | 1802798.20 | 1124310.56 |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | Cash Reserves | 396788.93 | 172318.10 |
| &nbsp;&nbsp;&nbsp;130 | XXXXXX | Cash Reserves | 273868.00 | 53742.80 |
| &nbsp;&nbsp;&nbsp;131 | XXXXXX | Cash Reserves | 405345.13 | 273898.24 |
| &nbsp;&nbsp;&nbsp;132 | XXXXXX | Cash Reserves | 320743.59 | 118909.77 |
| &nbsp;&nbsp;&nbsp;133 | XXXXXX | Debt to Income Ratio (Back) | 24.4640 | 18.2913 |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | Cash Reserves | 458153.09 | 193489.52 |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | Debt to Income Ratio (Back) | 35.3140 | 30.3540 |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | Cash Reserves | 719897.13 | 201710.71 |
| &nbsp;&nbsp;&nbsp;135 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | Cash Reserves | 876078.45 | 472348.70 |
| &nbsp;&nbsp;&nbsp;136 | XXXXXX | Product Type | 30 Yr Fixed | Jumbo 30yr Fixed |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | Cash Reserves | 833325.26 | 537603.80 |
| &nbsp;&nbsp;&nbsp;139 | XXXXXX | Cash Reserves | 1029443.32 | 142367.12 |
| &nbsp;&nbsp;&nbsp;139 | XXXXXX | Property Type | Rowhouse | SFR-Attached |
| &nbsp;&nbsp;&nbsp;140 | XXXXXX | Cash Reserves | 1137841.72 | 424269.83 |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | Cash Reserves | 580482.17 | 242239.33 |
| &nbsp;&nbsp;&nbsp;141 | XXXXXX | Combined LTV | 73.86 | 57.86 |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | Total Cash Out | 275058.14 | 337263.71 |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | Cash Reserves | 1088848.10 | 165310.07 |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | Cash Reserves | 464800.49 | 51328.80 |
| &nbsp;&nbsp;&nbsp;146 | XXXXXX | Cash Reserves | 843833.29 | 239475.18 |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | Cash Reserves | 541088.29 | 311455.92 |
| &nbsp;&nbsp;&nbsp;148 | XXXXXX | Cash Reserves | 3646619.51 | 2572337.88 |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | Borrower 1 Total Income | 30852.67 | 39045.50 |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | Cash Reserves | 574809.85 | 252378.79 |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | Debt to Income Ratio (Back) | 44.4660 | 35.9350 |
| &nbsp;&nbsp;&nbsp;150 | XXXXXX | Total Monthly Income | 30853.00 | 39045.50 |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | Cash Reserves | 473978.87 | 288405.84 |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | Cash Reserves | 687198.13 | 390888.46 |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | Cash Reserves | 408576.27 | 166853.65 |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | Property City | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;155 | XXXXXX | Cash Reserves | 383907.00 | 25674.11 |
| &nbsp;&nbsp;&nbsp;156 | XXXXXX | Cash Reserves | 322309.96 | 91175.76 |
| &nbsp;&nbsp;&nbsp;157 | XXXXXX | Cash Reserves | 31587.53 | 3682.69 |
| &nbsp;&nbsp;&nbsp;158 | XXXXXX | Cash Reserves | 247604.19 | 49093.09 |
| &nbsp;&nbsp;&nbsp;159 | XXXXXX | Cash Reserves | 325840.60 | 168772.80 |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | Cash Reserves | 614298.20 | 234086.88 |
| &nbsp;&nbsp;&nbsp;160 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;161 | XXXXXX | Cash Reserves | 1251736.49 | 455023.76 |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | Cash Reserves | 1138000.00 | 9162329.73 |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | Cash Reserves | 1522555.95 | 716223.57 |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | Borrower 1 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | Cash Reserves | 123520.29 | 30138.99 |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | Cash Reserves | 622858.48 | 415827.42 |
| &nbsp;&nbsp;&nbsp;165 | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Broker |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | Borrower 1 Total Income | 14266.66 | 6666.66 |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | Cash Reserves | 995788.82 | 410303.38 |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Broker |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | Cash Reserves | 341820.69 | 151057.46 |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | Cash Reserves | 354005.66 | 156029.90 |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | Combined LTV | 79.43 | 78.41 |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | Original LTV | 79.43 | 78.41 |
| &nbsp;&nbsp;&nbsp;170 | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;172 | XXXXXX | Cash Reserves | 1064492.38 | 478815.40 |
| &nbsp;&nbsp;&nbsp;173 | XXXXXX | Credit Report Date | 01/09/2025 | 03/10/2025 |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | Cash Reserves | 381163.50 | 3432.10 |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | Cash Reserves | 692704.13 | 209649.41 |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | Credit Report Date | 02/11/2025 | 03/20/2025 |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | Cash Reserves | 425939.59 | 98409.11 |
| &nbsp;&nbsp;&nbsp;176 | XXXXXX | Origination Channel | Correspondent Flow with delegated underwriting | Broker |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | Cash Reserves | 237978.54 | 12490.13 |
| &nbsp;&nbsp;&nbsp;178 | XXXXXX | Cash Reserves | 74850.72 | 53341.59 |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | Cash Reserves | 2411321.63 | 1637065.78 |
| &nbsp;&nbsp;&nbsp;180 | XXXXXX | Cash Reserves | 459383.01 | 117096.00 |
| &nbsp;&nbsp;&nbsp;181 | XXXXXX | Cash Reserves | 3077367.20 | 737821.40 |
| &nbsp;&nbsp;&nbsp;181 | XXXXXX | Credit Report Date | 02/09/2025 | 02/12/2025 |
| &nbsp;&nbsp;&nbsp;181 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | Cash Reserves | 629432.79 | 338289.20 |
| &nbsp;&nbsp;&nbsp;184 | XXXXXX | Cash Reserves | 830960.93 | 138917.52 |
| &nbsp;&nbsp;&nbsp;185 | XXXXXX | Cash Reserves | 802998.65 | 289715.41 |
| &nbsp;&nbsp;&nbsp;186 | XXXXXX | Cash Reserves | 395261.47 | 16569.62 |
| &nbsp;&nbsp;&nbsp;188 | XXXXXX | Combined LTV | 52.52 | 52.53 |
| &nbsp;&nbsp;&nbsp;188 | XXXXXX | Original LTV | 52.52 | 52.53 |
| &nbsp;&nbsp;&nbsp;189 | XXXXXX | Cash Reserves | 830347.45 | 591545.85 |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | Cash Reserves | 448130.12 | 131052.03 |
| &nbsp;&nbsp;&nbsp;192 | XXXXXX | Cash Reserves | 524097.37 | 370117.73 |
| &nbsp;&nbsp;&nbsp;193 | XXXXXX | Property City | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;195 | XXXXXX | Cash Reserves | 683772.47 | 271052.18 |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | Cash Reserves | 442834.88 | 284821.10 |
| &nbsp;&nbsp;&nbsp;198 | XXXXXX | Cash Reserves | 1363327.52 | 696769.86 |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | Cash Reserves | 1218131.45 | 479014.25 |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | Cash Reserves | 724769.78 | 176572.53 |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | Cash Reserves | 1141319.91 | 660001.86 |
| &nbsp;&nbsp;&nbsp;203 | XXXXXX | Debt to Income Ratio (Back) | 43.3700 | 30.6787 |
| &nbsp;&nbsp;&nbsp;204 | XXXXXX | Cash Reserves | 345151.68 | 149369.12 |
| &nbsp;&nbsp;&nbsp;205 | XXXXXX | Cash Reserves | 902298.31 | 260235.54 |
| &nbsp;&nbsp;&nbsp;206 | XXXXXX | Cash Reserves | 1167630.25 | 417371.20 |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | Cash Reserves | 461355.00 | 11235.53 |
| &nbsp;&nbsp;&nbsp;208 | XXXXXX | Cash Reserves | 587235.34 | 246073.55 |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | Cash Reserves | 838404.95 | 434053.26 |
| &nbsp;&nbsp;&nbsp;210 | XXXXXX | Product Type | 30 Yr Fixed | Jumbo 30yr Fixed |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | Cash Reserves | 1557644.53 | 561267.32 |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | Cash Reserves | 2247577.84 | 36416.21 |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | Cash Reserves | 194197.25 | 140746.65 |
| &nbsp;&nbsp;&nbsp;214 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | Cash Reserves | 620570.79 | 119869.70 |
| &nbsp;&nbsp;&nbsp;216 | XXXXXX | Debt to Income Ratio (Back) | 39.0950 | 35.3545 |
| &nbsp;&nbsp;&nbsp;217 | XXXXXX | Cash Reserves | 1138567.20 | 246801.40 |
| &nbsp;&nbsp;&nbsp;218 | XXXXXX | Cash Reserves | 411534.24 | 4760.27 |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | Cash Reserves | 852255.38 | 417064.72 |
| &nbsp;&nbsp;&nbsp;219 | XXXXXX | Property Type | Rowhouse | SFR-Attached |
| &nbsp;&nbsp;&nbsp;220 | XXXXXX | Cash Reserves | 406482.02 | 81756.93 |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | Cash Reserves | 383257.88 | 217380.66 |
| &nbsp;&nbsp;&nbsp;221 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;222 | XXXXXX | Cash Reserves | 364607.56 | 30947.57 |
| &nbsp;&nbsp;&nbsp;222 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | Cash Reserves | 449921.94 | 78914.17 |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | Combined LTV | 79.85 | 78.96 |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | Original LTV | 79.85 | 78.96 |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | Cash Reserves | 1023019.11 | 483813.15 |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | Cash Reserves | 1438801.95 | 947407.77 |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | Property Type | Rowhouse | SFR-Attached |
| &nbsp;&nbsp;&nbsp;226 | XXXXXX | Cash Reserves | 5381385.52 | 1397532.97 |
| &nbsp;&nbsp;&nbsp;227 | XXXXXX | Cash Reserves | 1273351.68 | 879760.57 |
| &nbsp;&nbsp;&nbsp;228 | XXXXXX | Cash Reserves | 620675.01 | 211108.67 |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | Cash Reserves | 284474.23 | 363944.83 |
| &nbsp;&nbsp;&nbsp;231 | XXXXXX | Cash Reserves | 1245670.70 | 447365.56 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | Cash Reserves | 441705.72 | 69695.44 |
| &nbsp;&nbsp;&nbsp;234 | XXXXXX | Cash Reserves | 1147190.37 | 604607.11 |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | Cash Reserves | 929727.45 | 303078.74 |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | Cash Reserves | 760836.89 | 283419.95 |
| &nbsp;&nbsp;&nbsp;237 | XXXXXX | Cash Reserves | 449672.03 | 59415.20 |
| &nbsp;&nbsp;&nbsp;238 | XXXXXX | Cash Reserves | 758596.02 | 430418.68 |
| &nbsp;&nbsp;&nbsp;239 | XXXXXX | Cash Reserves | 458200.00 | 161866.17 |
| &nbsp;&nbsp;&nbsp;241 | XXXXXX | Cash Reserves | 470018.04 | 82614.64 |
| &nbsp;&nbsp;&nbsp;242 | XXXXXX | Cash Reserves | 1487170.86 | 460639.14 |
| &nbsp;&nbsp;&nbsp;243 | XXXXXX | Cash Reserves | 327346.65 | 95271.40 |
| &nbsp;&nbsp;&nbsp;244 | XXXXXX | Cash Reserves | 2182290.36 | 1392384.27 |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | Cash Reserves | 1560061.76 | 472453.78 |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | Debt to Income Ratio (Back) | 42.3180 | 37.7229 |
| &nbsp;&nbsp;&nbsp;246 | XXXXXX | Cash Reserves | 583242.27 | 372266.56 |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | Cash Reserves | 660042.42 | 412992.65 |
| &nbsp;&nbsp;&nbsp;248 | XXXXXX | Cash Reserves | 294240.47 | 14780.33 |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | Cash Reserves | 1025404.45 | 274729.54 |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | Cash Reserves | 263582.22 | 32619.21 |
| &nbsp;&nbsp;&nbsp;250 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;252 | XXXXXX | Cash Reserves | 1565210.67 | 833053.00 |
| &nbsp;&nbsp;&nbsp;253 | XXXXXX | Cash Reserves | 1453671.65 | 781978.16 |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | Cash Reserves | 782618.91 | 400595.13 |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | Cash Reserves | 313919.70 | 62579.01 |
| &nbsp;&nbsp;&nbsp;256 | XXXXXX | Cash Reserves | 282732.26 | 43169.67 |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | Cash Reserves | 564246.57 | 236620.23 |
| &nbsp;&nbsp;&nbsp;258 | XXXXXX | Property Type | Rowhouse | SFR-Attached |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | Borrower 1 Total Income | 35895.61 | 10112.72 |
| &nbsp;&nbsp;&nbsp;259 | XXXXXX | Cash Reserves | 1561825.04 | 144953.67 |
| &nbsp;&nbsp;&nbsp;260 | XXXXXX | Cash Reserves | 406339.98 | 70618.16 |
| &nbsp;&nbsp;&nbsp;261 | XXXXXX | Cash Reserves | 502534.34 | 56470.85 |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | Cash Reserves | 313304.35 | 103337.37 |
| &nbsp;&nbsp;&nbsp;262 | XXXXXX | Credit Report Date | 02/27/2025 | 03/25/2025 |
| &nbsp;&nbsp;&nbsp;263 | XXXXXX | Cash Reserves | 505787.87 | 193342.62 |
| &nbsp;&nbsp;&nbsp;264 | XXXXXX | Cash Reserves | 502124.26 | 277344.44 |
| &nbsp;&nbsp;&nbsp;266 | XXXXXX | Cash Reserves | 3377306.82 | 1566765.64 |
| &nbsp;&nbsp;&nbsp;268 | XXXXXX | Cash Reserves | 1881629.19 | 977502.85 |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | Cash Reserves | 1113295.41 | 401145.39 |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | Property Type | SFR | SFR-Attached |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | Cash Reserves | 249068.17 | 167820.67 |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | Cash Reserves | 3752028.25 | 1844062.56 |

---

<sup>©</sup>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 99.5

**EXHIBIT 99.5** 

**CLAYTON VALUATIONS SUMMARY** 

------

---

| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC PMTLT 2025-J1 Securitization_J15739 |
| **Valuations Summary** |  |
| *Loans in Report:* | *274* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **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<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance%** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance%** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.42% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 2 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 3 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 4 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 5 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.24% | 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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 6 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 7 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.19% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 8 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.93% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 9 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 10 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 11 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 12 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.08% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 13 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 14 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 15 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 16 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 17 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 18 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 19 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.75% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 20 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 21 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 22 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 23 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 6.38% | XXXXXX | 7.000 | 93.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 24 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.02% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 25 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 26 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 27 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.13% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 28 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.86% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 29 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.05% | XXXXXX | 13.000 | 87.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 30 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.72% | 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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 31 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 32 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 33 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 34 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 35 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 36 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 37 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 38 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 39 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 40 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 41 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 42 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 43 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 44 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 45 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 46 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 47 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 48 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | XXXXXX | XXXXXX | XXXXXX | 7.46% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 49 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 50 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 51 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-<br>Fam (Mar<br>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<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 52 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 53 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 54 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 55 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | XXXXXX | XXXXXX | XXXXXX | 31.34% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 56 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 57 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 58 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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% | 999 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 59 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 60 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 61 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 62 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 63 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 64 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.20% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 67 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |

---

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| | | | | | | **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<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance%** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance%** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 69 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 70 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 72 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 73 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 74 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 75 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 |  | 0.00% |  | 0.000 |  | XXXXXX |  | XXXXXX | XXXXXX | -2.50% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 76 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 77 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 78 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 79 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 80 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 81 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 82 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 83 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 84 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 |  | 0.00% |  | 0.000 |  | XXXXXX |  | XXXXXX | XXXXXX | -9.43% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 85 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 86 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 87 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 88 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 89 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 90 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 91 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 92 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 |  | 0.00% |  | 0.000 |  | XXXXXX |  | XXXXXX | XXXXXX | -1.39% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 94 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 95 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 96 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 97 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 98 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 99 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 100 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 101 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 102 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 103 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 104 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 105 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | XXXXXX |  | XXXXXX | XXXXXX |  | 4.67% | XXXXXX | 7.000 | 93.00 |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 106 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 107 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 108 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 109 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 110 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 111 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 112 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 113 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-<br>Fam (Mar<br>05) |  |  |  | $0.00 |  |  | XXXXXX |  | XXXXXX | XXXXXX |  | 1.95% | XXXXXX | 8.000 | 92.00 |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 114 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 115 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 116 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 117 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 118 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | XXXXXX |  | XXXXXX | XXXXXX |  | 1.04% | XXXXXX | 3.000 | 97.00 |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 119 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 120 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 121 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 122 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 123 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 124 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 125 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 126 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 127 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 128 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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% | 1.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 129 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 130 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 131 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 |  | 0.00% |  | 0.000 |  | XXXXXX |  | XXXXXX | XXXXXX | -5.88% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 132 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | XXXXXX |  | XXXXXX | XXXXXX |  | 0.09% | XXXXXX | 5.000 | 95.00 |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 133 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  | XXXXXX |  | XXXXXX | XXXXXX |  | -7.24% | XXXXXX | 7.000 | 93.00 |  |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 999 |  |

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| | | | | | | **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<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance%** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance%** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 134 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 135 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 136 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 137 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 138 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 139 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | XXXXXX | XXXXXX | XXXXXX | 0.47% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 140 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 141 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 142 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -8.54% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 143 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 144 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.07% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 145 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.89% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 146 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 147 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 148 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 149 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 151 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 152 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 153 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 154 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 155 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 9.64% | XXXXXX | 9.000 | 91.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 156 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.54% | 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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 157 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 158 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.66% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 159 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 160 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 161 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.13% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 162 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.48% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 163 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.95% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 164 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -2.27% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 165 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 166 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 167 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.67% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 168 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 169 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 171 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 172 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 173 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 174 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 175 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 176 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 177 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.01% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 178 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 180 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 181 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 182 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 183 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 184 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 185 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.15% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 186 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.31% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 188 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | XXXXXX | XXXXXX | XXXXXX | 0.50% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 189 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 190 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 191 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 5.73% | XXXXXX | 3.000 |  |  | $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% | 999 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 192 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | XXXXXX | XXXXXX | XXXXXX | 2.08% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 193 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 194 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 195 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.03% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 196 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 197 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 198 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.9 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 199 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 200 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -1.58% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 201 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 203 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -5.09% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |  |

---

------

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| | | | | | | **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<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Seller<br>Loan<br>Number** | **Original**<br> **Balance** | **Sales**<br> **Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM**<br> **Vendor**<br> **Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance%** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance%** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 204 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 205 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -0.03% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 206 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.09% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 207 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 208 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 209 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 210 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 211 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.05% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 212 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.56% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 214 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 215 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 216 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 217 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 218 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 219 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 220 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 221 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 222 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 223 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 224 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 225 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 226 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | 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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 227 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 6.35% | XXXXXX | 4.000 |  |  | $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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 228 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 229 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 230 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.67% | XXXXXX | 7.000 |  |  | $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% | 4.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 231 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 232 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 233 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 234 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.91% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 235 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.98% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 236 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 237 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 238 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 239 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 240 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.35% | XXXXXX | 11.000 | 89.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 241 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 242 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -40.49% | XXXXXX | 18.000 | 82.00 | 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<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 243 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 244 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.80% | XXXXXX | 4.000 | 96.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 245 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 246 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 247 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.61% | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 248 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 249 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 250 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 251 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 252 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 254 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 255 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 256 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 257 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.60% | XXXXXX | 5.000 | 95.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 258 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | 12.27% | XXXXXX | 11.000 | 89.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 259 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | XXXXXX | XXXXXX | XXXXXX | 2.10% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 260 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 261 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 262 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 263 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 3.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 264 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 265 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 266 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | XXXXXX | XXXXXX | XXXXXX | 14.89% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 267 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 268 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 269 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 270 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.56% | XXXXXX | 3.000 | 97.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 271 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 2.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 272 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 273 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 274 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(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 |  |

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