# EDGAR Filing Document

**Accession Number:** 0001599342
**File Stem:** 0001193125-26-272332
**Filing Date:** 2026-6
**Character Count:** 1140264
**Document Hash:** 915e7c1391a7ca27722c26bfe117d2bc
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-272332.hdr.sgml**: 20260616

**ACCESSION NUMBER**: 0001193125-26-272332

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

**PUBLIC DOCUMENT COUNT**: 18

**CONFORMED PERIOD OF REPORT**: 20260616

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

**FILED AS OF DATE**: 20260616

**DATE AS OF CHANGE**: 20260616

**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:** 261094071

**BUSINESS ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
- **BUSINESS PHONE:** (818) 224-7442

**MAIL ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
**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:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
- **BUSINESS PHONE:** (818) 224-7442

**MAIL ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
**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:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361
- **BUSINESS PHONE:** (818) 224-7442

**MAIL ADDRESS:**
- **STREET 1:** 3043 TOWNSGATE ROAD
- **CITY:** WESTLAKE VILLAGE
- **STATE:** CA
- **ZIP:** 91361

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549** 

**FORM ABS-15G** 

**ASSET-BACKED SECURITIZER** 

**REPORT PURSUANT TO SECTION 15G OF** 

**THE SECURITIES EXCHANGE ACT OF 1934** 

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

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

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

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

**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 2026-J4
**(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](d96361dex991.htm) |
| 99.2 | [Clayton Conditions Report](d96361dex992.htm) |
| 99.3 | [Clayton Rating Agency ATR QM Data Fields](d96361dex993.htm) |
| 99.4 | [Clayton Loan Level Tape Compare Upload](d96361dex994.htm) |
| 99.5 | [Clayton Valuations Summary](d96361dex995.htm) |
| 99.6 | [Consolidated Analytics, Inc. ("Consolidated Analytics") Due Diligence Executive Summary](d96361dex996.htm) |
| 99.7 | [Consolidated Analytics Exception Grades Report](d96361dex997.htm) |
| 99.8 | [Consolidated Analytics Data Compare Report](d96361dex998.htm) |
| 99.9 | [Consolidated Analytics Grading Summary Report](d96361dex999.htm) |
| 99.1 | [Consolidated Analytics ATR QM Report](d96361dex9910.htm) |
| 99.11 | [Consolidated Analytics Valuations Summary Report](d96361dex9911.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 16, 2026 |
| /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** 

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![LOGO](g96361image3.jpg)

![LOGO](g96361g04c31.jpg)

![LOGO](g96361img2.jpg)

**June 11, 2026**<br>**Due Diligence Narrative Report**<br>

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![LOGO](g96361image3.jpg)

**TABLE OF CONTENTS**

---

| | | | |
|:---|:---|:---|:---|
|  **[Clayton Contact Information](#ex99_196361_1)** |  | **2** |  |
|  **[Overview](#ex99_196361_2)** |  | **2** |  |
|  **[Originators](#ex99_196361_3)** |  | **2** |  |
|  **[Clayton's Third Party Review ("TPR") Scope of Work](#ex99_196361_4)** |  | **2** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *[Sampling](#ex99_196361_5)* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *[Sponsor Acquisition Criteria](#ex99_196361_6)* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *[Loan Grading](#ex99_196361_7)* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *[TPR Component Review Scope](#ex99_196361_8)* | | *4* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Credit Review](#ex99_196361_9) |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Property Valuation Review](#ex99_196361_10) |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Regulatory Compliance Review](#ex99_196361_11) |  | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *[Data Integrity](#ex99_196361_12)* | | *6* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *[Data Capture](#ex99_196361_13)* | | *7* | |
|  **[Data Compare Results](#ex99_196361_14)** |  | **7** |  |
|  **[Clayton Due Diligence Results](#ex99_196361_15)** |  | **8** |  |
|  **[Clayton Third Party Reports Delivered](#ex99_196361_16)** |  | **9** |  |
|  **[Appendix A: Credit Review Scope](#ex99_196361_17)** |  | **10** |  |
|  **[Appendix B: Origination Appraisal Assessment](#ex99_196361_18)** |  | **13** |  |
|  **[Appendix C: Regulatory Compliance Review Scope](#ex99_196361_19)** |  | **16** |  |

---

PMT Loan Trust 2026-J4 Page \| 1 June 11, 2026

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![LOGO](g96361image3.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 102 residential loans selected for the PMT Loan Trust 2026-J4 transaction. The loans referenced in this narrative report were reviewed on a bulk basis between October, 2025 and June, 2026. 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 | 8 | 7.84% |
|  Correspondent Bulk | 86 | 84.31% |
|  Correspondent Flow with delegated underwriting | 1 | 0.98% |
|  Retail | 7 | 6.86% |
|  **Total** | **102** | **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 2026-J4 Page \| 2 June 11, 2026

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![LOGO](g96361image3.jpg)

**SAMPLING** 

Upon receipt of Asset Tape, Diligence provider randomly selected 102 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** | 102 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 102 |  |

---

**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.

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](g96361g29z65.jpg)

PMT Loan Trust 2026-J4 Page \| 3 June 11, 2026

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![LOGO](g96361image3.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 (102 loans)

&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 (102 loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• CU/LCA Score of 2.5 or below

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Automated Valuation Model/Desk Review/BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Field Review/2055 Drive-by

For further detail please refer to the PMTLT 2026-J4 Valuations Summary Report

PMT Loan Trust 2026-J4 Page \| 4 June 11, 2026

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![LOGO](g96361image3.jpg)

REGULATORY COMPLIANCE REVIEW

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

&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.

&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

PMT Loan Trust 2026-J4 Page \| 5 June 11, 2026

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![LOGO](g96361image3.jpg)

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. <br>

&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

**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.

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![LOGO](g96361image3.jpg)

**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.

**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 %** |
|  Appraised Value | 1 | 99.02% |
|  Cash Reserves | 42 | 58.82% |
|  DTI (Back) | 5 | 95.10% |
|  Income (Calculated) | 2 | 98.04% |
|  Loan Purpose | 1 | 99.02% |
|  Property Type | 5 | 95.10% |
|  Representative Score | 1 | 99.02% |
|  Sales Price | 1 | 99.02% |

---

PMT Loan Trust 2026-J4 Page \| 7 June 11, 2026

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![LOGO](g96361image3.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 (102 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** | 73 | 2 | 2 | 10 | **87** |
| **Final** | **B** |  | 5 | 4 | 6 | **15** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **73** | **7** | **6** | **16** | **102** |

---

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** | 93 |  | 2 | 3 | **98** |
| **Final** | **B** |  | 3 | 1 |  | **4** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **93** | **3** | **3** | **3** | **102** |

---

**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** | 88 |  | 1 | 12 | **101** |
| **Final** | **B** |  |  | 1 |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **88** | **0** | **2** | **12** | **102** |

---

**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** | 85 | 3 | 1 |  | **89** |
| **Final** | **B** |  | 8 | 3 | 2 | **13** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **85** | **11** | **4** | **2** | **102** |

---

PMT Loan Trust 2026-J4 Page \| 8 June 11, 2026

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![LOGO](g96361image3.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 2026-J4 Page \| 9 June 11, 2026

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![LOGO](g96361image3.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 2026-J4 Page \| 10 June 11, 2026

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![LOGO](g96361image3.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 2026-J4 Page \| 11 June 11, 2026

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![LOGO](g96361image3.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 2026-J4 Page \| 12 June 11, 2026

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![LOGO](g96361image3.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 2026-J4 Page \| 13 June 11, 2026

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![LOGO](g96361image3.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

PMT Loan Trust 2026-J4 Page \| 14 June 11, 2026

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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.

PMT Loan Trust 2026-J4 Page \| 15 June 11, 2026

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![LOGO](g96361image3.jpg)

**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)

PMT Loan Trust 2026-J4 Page \| 16 June 11, 2026

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![LOGO](g96361image3.jpg)

&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 | |

---

PMT Loan Trust 2026-J4 Page \| 17 June 11, 2026

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![LOGO](g96361image3.jpg)

**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 | |

---

PMT Loan Trust 2026-J4 Page \| 18 June 11, 2026

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![LOGO](g96361image3.jpg)

**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.)

PMT Loan Trust 2026-J4 Page \| 19 June 11, 2026

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![LOGO](g96361image3.jpg)

**<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> 2026 Clayton Services LLC. All rights reserved.

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

PMT Loan Trust 2026-J4 Page \| 20 June 11, 2026

## Exhibit 99.2

**EXHIBIT 99.2** 

**CLAYTON CONDITIONS REPORT** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-J4_J17056** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *102* |
| ***Loans with Conditions:*** | *31* |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;**16 - Total Active Conditions** | |
| **16 - Non-Material Conditions** | **16 - Non-Material Conditions** |
| 4 - Credit Review Scope | 4 - Credit Review Scope |
|  | 1 - Category: Credit/Mtg History |
|  | 1 - Category: DTI |
|  | 2 - Category: Income/Employment |
| 1 - Property Valuations Review Scope | 1 - Property Valuations Review Scope |
|  | 1 - Category: Appraisal |
| 11 - Compliance Review Scope | 11 - Compliance Review Scope |
|  | 8 - Category: RESPA |
|  | 1 - Category: Right of Rescission |
|  | 1 - Category: State Consumer Protection |
|  | 1 - Category: TILA/RESPA Integrated Disclosure |
| &nbsp;&nbsp;&nbsp;**37 - Total Satisfied Conditions** |  |
| 7 - Credit Review Scope | 7 - Credit Review Scope |
|  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Credit/Mtg History |
|  | 2 - Category: Income/Employment |
|  | 1 - Category: Insurance |
|  | 1 - Category: Re-Verifications |
|  | 1 - Category: Terms/Guidelines |
| 15 - Property Valuations Review Scope | 15 - Property Valuations Review Scope |
|  | 14 - Category: Appraisal |
|  | 1 - Category: Property |
| 15 - Compliance Review Scope | 15 - Compliance Review Scope |
|  | 2 - Category: Ability to Repay/Qualified Mortgage |
|  | 2 - Category: Finance Charge Tolerance |
|  | 2 - Category: RESPA |
|  | 2 - Category: Right of Rescission |
|  | 7 - Category: TILA/RESPA Integrated Disclosure |
| &nbsp;&nbsp;&nbsp;**0 - Total Waived Conditions** |  |

---

<sup>©</sup>2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-J4_J17056** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *102* |
| ***Loans with Conditions:*** | *31* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 25.24% DTI. Max allowed 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 783 median FICO. Minimum required 720. |
| &nbsp;&nbsp;&nbsp;2 | 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 | CMPTRID4056 | TRID -<br>CD: The<br>Total<br>Payment<br>Amount on<br>the Loan<br>Calculation<br>section of<br>the Final<br>Closing<br>Disclosure<br>is less than<br>the<br>Clayton<br>Calculated<br>Total<br>Payment<br>Amount | No | Final CD<br>XXX Total<br>payments<br>amount<br>$4,602,562.55<br>Calculated<br>Total<br>Payments<br>amount is<br>$4,602,829.06<br>, for a<br>Difference of<br>$266.51. The<br>Post CD XXX<br>matches the<br>$4,602,829.13. | 05.18.2026<br>- Cure<br>provided<br>via check<br>for $266.58,<br>proof of<br>delivery<br>and, LOX<br>and PCCD. | 05.18.2026<br>-Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 78.58. Max 89.99<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $102,848.45 post closing reserves verified or 6.71 months PITI. Three months required. |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to<br>complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Application<br>and credit<br>docs show<br>residence at<br>XXXXXX<br>which does<br>not match<br>primary rate/<br>term refinance<br>of subject<br>property. No<br>documentation<br>in file<br>supporting $0<br>primary<br>housing<br>expense in<br>file. DU loan<br>approved at<br>42.38/43.46<br>DTI ratio<br>using subject<br>property tax of<br>$539.51 per<br>month.<br>Property<br>report shows<br>taxes of<br>$12,955 or<br>$1079.58 per<br>month<br>bringing back<br>end DTI to<br>45.45. DU<br>Approve/<br>Accept with<br>ratios >45%<br>required. | 5/7/2026:<br>Received<br>LOX,<br>Borrowers<br>resided with<br>family<br>while<br>construction<br>was<br>completed<br>on subject.<br>Rent free. | 5/7/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $2,551,699.66 in post closing reserves. Min 3 mo's PITI required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 16.5 years on job |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliated<br>Business | (No Data) | (No Data) | (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $2,551,699.66 in post closing reserves. Min 3 mo's PITI required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 16.5 years on job |

---

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Right of<br>Rescission | Satisfied B | CMPROR117 | ROR -<br>Expiration<br>date on form<br>prior to end<br>of rescission<br>period | No | ROR has<br>transaction<br>date of XXX<br>Rescission<br>period<br>ending XXX<br>Final CD has<br>disbursement<br>on XXX | 04.27.2026<br>-<br>Rescission<br>was<br>reopened. | 4.27.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $2,551,699.66 in post closing reserves. Min 3 mo's PITI required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 16.5 years on job |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D 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 | There are 2<br>different<br>ROR's in<br>file. The<br>original<br>ROR has the<br>date of<br>transaction<br>as XXX with<br>rescission<br>period<br>ending<br>XXX. The<br>final CD<br>dated XXX<br>has the<br>disbursement<br>dated XXX.<br>There is a<br>2nd ROR in<br>file with new<br>transaction<br>dated XXX<br>and<br>rescission<br>period<br>ending XXX<br>but no<br>corrective<br>CD to match<br>dates. | 4.27.2026<br>-<br>rescission<br>was<br>reopended | 4.27.2026<br>-<br>Exception<br>satisifed (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $2,551,699.66 in post closing reserves. Min 3 mo's PITI required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 16.5 years on job |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | DTI | Active B | CRDDTI105 | Debt Ratio<br>Exception<br>5% or Less | No | DU AUS<br>approved at<br>43.46.<br>Calculated<br>DTI is 45.45<br>using annual<br>subject<br>property<br>taxes of<br>$12,955<br>annually.<br>AUS with<br>approval<br>>45%<br>required. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $2,551,699.66 in post closing reserves. Min 3 mo's PITI required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 16.5 years on job |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has significant time in profession, 20 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x45 mortgage payment history<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers owned the departure residence 7.08 years |

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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 Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Ability to<br>Repay/Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<br>Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the<br>loan file is<br>missing<br>documents<br>to complete<br>the ATR/<br>QM review<br>and render<br>an accurate<br>ATR/QM<br>status. | No | Provide<br>documentation<br>and status for<br>XXXXXX<br>with a balance<br>of $1,110,469. | 5/21/2026:<br>Received<br>Final CD<br>from<br>XXX<br>Purchase -<br>in<br>spouse's<br>name<br>only. | 5/21/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 73.26% LTV. Max allowed 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $1,860,570.21 in post closing reserves or 125.19 months PITI18 months PITI reserves required: $14,861.43 X 18 = $267,505.74.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 807 median FICO. Min required 720. |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | Right of<br>Rescission | Active B | CMPROR1909 | Incorrect<br>ROR Form<br>Used - H8<br>Form Used<br>in<br>Refinance<br>With<br>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<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 73.26% LTV. Max allowed 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $1,860,570.21 in post closing reserves or 125.19 months PITI18 months PITI reserves required: $14,861.43 X 18 = $267,505.74.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 807 median FICO. Min required 720. |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Re-Verifications | Satisfied C A | CRDRVRFC1803 | Debts/<br>Obligations<br>that were<br>not discl at<br>origination<br>revealed<br>through<br>independent<br>re-<br>verification | No | Provide<br>documentation<br>and status for<br>XXXXXX<br>with a balance<br>of $1,110,469. | 5/21/2026:<br>Received<br>Final CD<br>from<br>XXX<br>Purchase -<br>in<br>spouse's<br>name<br>only. | 5/21/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 73.26% LTV. Max allowed 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $1,860,570.21 in post closing reserves or 125.19 months PITI18 months PITI reserves required: $14,861.43 X 18 = $267,505.74.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 807 median FICO. Min required 720. |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 14.35% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 qualifying score > min required of 700<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $115,169.45 or 12.19 months of PITIA reserves > required $28,343.07 (3 mos PITIA $9447.69X3); plus six months for financed REO: $1,251.74 X 6 = $7,510.44. Total required $35,853.51. Reserve requirement met. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;6 | 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: B3 and B4 have lived at current residence for 36 + years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower 2 has worked with same employer for 10 + years |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | XXXXXX | IL | 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 profession, 15 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $1,017,471.37. Total required $56,911.68.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% below maximum allowed of 89.99%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score exceeds minimum required of 700 |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years 6 months in profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 783 score exceeds the 700 minimum required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 40.20% DTI with a max 50% allowed. |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Please<br>provide<br>ABA<br>Disclosure.<br>Did not<br>see<br>FACTS<br>either. | 06.10.2026<br>lender cert<br>of no<br>affiliates<br>received. | 06.10.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 36.88% DTI. Max allowed 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 746 median FICO. Min required 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $141,108.64 in post closing reserves or 12.42 months PITI.Three months reserves required $11,357.47 X 3 = $34,072.41 + $83 XXX balance = $34,155.41. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A B | Property<br>Valuations | Appraisal | Satisfied C A | PRVAAPPR169 | Appraisal<br>includes<br>one or<br>more<br>issue(s) | No | Provide a<br>complete<br>copy of the<br>appraisal<br>report.<br>Missing<br>Appraiser<br>signature,<br>Appraisal,<br>E&O;<br>subject<br>(Interior/<br>exterior)<br>and<br>comparable<br>photos;<br>Location<br>Map, Tax<br>Map,<br>Aerial<br>Map. | 6/5/2026:<br>Received<br>complete<br>appraisal<br>report. | 6/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 36.88% DTI. Max allowed 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 746 median FICO. Min required 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $141,108.64 in post closing reserves or 12.42 months PITI.Three months reserves required $11,357.47 X 3 = $34,072.41 + $83 XXX balance = $34,155.41. |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x68 months exceeds the required 0x30x12 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 18.17% is below the maximum allowable 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has20 years at current job. |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 99 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close assets $119,281.89 or 11.38 months PITIA; required reserves $10,479.16 x 3 = $31,437.48.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 29.59% is below guideline maximum 45%. |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x19 months exceeds the required 12 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79.45% is below the maximum allowable of 89.99%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 806 is above the required 700. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;13 | 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 3.5 is<br>>2.5. Clayton<br>to order AVM. | 6/11/2026:<br>Received<br>AVM<br>supporting<br>value. | 6/11/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit reflects oldest tradeline 8/2010, reporting 0x30<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $263,112.48 or 34.14 months of PITI.0 Required Reserves.<br> CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has significant time in profession, 10 years. |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | Finance<br>Charge<br>Tolerance | Satisfied C B | CMPFINT106 | Finance<br>charge<br>understated<br>by more<br>than $100<br>(Pmt<br>Stream) | No | The finance<br>charges are<br>understated by<br>$600.00 which<br>exceeds the<br>maximum<br>allowed of<br>$100.00.<br>Unable to<br>determine the<br>source of the<br>understatement. | 5/15/26 -<br>Lender<br>provided<br>corrected<br>PCCD,<br>copy of<br>refund<br>check,<br>LOX and<br>verification<br>of<br>shipping. | 5/15/26 -<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 mid fico score > min required 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio 10.31%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $38,782.60 or 4.45 months PITIA reserves. Minimum required reserves $26,139.81 (3).<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 30.44% is below guideline max 45% |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | Finance<br>Charge<br>Tolerance | Satisfied C B | CMPFINT4372 | TILA/<br>TRID-<br>Disclosed<br>Amount<br>Financed is<br>higher than<br>Clayton's<br>calculated<br>Amount<br>Financed | No | Final CD XXX<br>shows an<br>amount<br>financed of<br>$1,122,490.20 | 5/15/26 -<br>Lender<br>provided<br>corrected<br>PCCD,<br>copy of<br>refund<br>check,<br>LOX and<br>verification<br>of<br>shipping. | 5/15/26 -<br>Exception<br>satisfied. | Numeric | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 mid fico score > min required 620.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio 10.31%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $38,782.60 or 4.45 months PITIA reserves. Minimum required reserves $26,139.81 (3).<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 30.44% is below guideline max 45% |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 363 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 mid score > min required of 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 9.68% |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;17 | 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 ><br>2.5. Clayton<br>to order<br>AVM. | 6/2/2026:<br>Received<br>AVM<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 34.82% is below guideline maximum 45%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 69.70; guidelines allow 89.99%.<br> CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 788 mid score > min required of 700.<br> CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close assets $174,179.85 or 22.95 months PITIA . Required reserves 3 months PITIA $22,759.89. |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>business<br>Disclosure | 06.10.2026<br>- Lender<br>cert of no<br>affiliates<br>received | 06.10.2026<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 68 months mortgage payment history 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $524,640.525 post closing reserves, 54.61 PITI for subject property.Three months reserves required $9,609.19 X 3 = $28,827.57; plus six months for financed REO: $4,410.28 X 6 = $26,461.68. Total required $55,289.25.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower score is 726. Minimum score per program is 700. |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | KS | 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 | Affiliate<br>Business<br>Disclosure<br>missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 46.51% CLTV with a max 89.99% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years time in profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETS: $382,069.41 - $34,176.07 required to close per AUS = $347,893.34 reserves. |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | KS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | 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 | Provide<br>lender QM<br>determination. | 5/14/2026:<br>Received<br>Safe<br>Harbor<br>status. | 5/14/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 46.51% CLTV with a max 89.99% allowed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years time in profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETS: $382,069.41 - $34,176.07 required to close per AUS = $347,893.34 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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;21 | 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 | CU/LCA<br>returned<br>no score.<br>Clayton to<br>order<br>Desk<br>Review. | 6/2/2026:<br>Received AVM<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 49 DTI < max permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% CLTV < max permitted of 90% |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit utilization is 10.566%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borr has been employed w/current employer since 6/26/2000. |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | NV | 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<br>all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the<br>CD | No | Not all<br>required<br>seller-paid<br>fees were<br>disclosed<br>on the<br>final CD.<br>Seller's<br>CD in file<br>and able<br>to trace all<br>fees,<br>exception<br>is<br>satisfied. | (No Data) | Condition<br>Satisfied. All<br>Seller fees have<br>been sourced<br>from the Seller<br>CD . | Numeric | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 40.55% is below guideline maximum 45%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.11%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have 56 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Income/<br>Employment | Satisfied D A | CRDINC152 | Missing<br>verbal<br>VOE<br>required<br>by<br>guidelines | No | Missing<br>VOE/CPA<br>letter for<br>XXXXXX<br>to verify<br>business is<br>open and<br>active. | 6/5/2026:<br>Internet print<br>out received<br>has no date<br>stamp.6/8/2026:<br>Received print<br>out dated<br>6/8/2026. | 6/5/2026:<br>Exception<br>remains.6/8/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 40.55% is below guideline maximum 45%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.11%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have 56 months mortgage payment history 0x30. |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX GA | 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>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower notes 25 years of experience in their profession that is a reflection of stability.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrower does not have any late payments in the lookback period. |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C A | PRVAAPPR171 | Subject<br>Photos<br>Unacceptable | No | Missing<br>subject<br>exterior &<br>interior<br>photos. | 5/13/2026:<br>Received<br>complete<br>appraisal. | 5/13/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower notes 25 years of experience in their profession that is a reflection of stability.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrower does not have any late payments in the lookback period. |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR173 | Comp Photos<br>Unacceptable | No | Missing all<br>comparables<br>photos. | 5/13/2026:<br>Received<br>complete<br>appraisal. | 5/13/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower notes 25 years of experience in their profession that is a reflection of stability.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrower does not have any late payments in the lookback period. |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Property | Satisfied C A | PRVAPROP177 | Property<br>Issues<br>Indicated | No | Appraisal<br>indicates<br>subject is<br>tenant<br>occupied<br>but contract<br>Addendum<br>Exhibit C<br>indicates<br>there are no<br>leases.<br>Provide<br>verification<br>of<br>occupancy<br>and either<br>corrected<br>appraisal or<br>verification<br>tenant will<br>be vacated<br>within 60<br>days of<br>closing. | 5/13/2026:<br>Received<br>updated<br>appraisal<br>to owner<br>occupied<br>status. | 5/13/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower notes 25 years of experience in their profession that is a reflection of stability.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrower does not have any late payments in the lookback period. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 76.48%; guidelines allow 89.99%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 41.74% is below guideline maximum 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 60 months. |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | IL | 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 $105,714.33 or 13.98 months PITIA.No reserves required.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 12 years. |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | AZ | QM:<br>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<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No mortgage lates reporting on credit report. Oldest mortgage tradeline opened October 2016.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 80% is less than max allowed 89.99%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 761 exceeds required FICO of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $1,167,759.85 or 88.294 months of PITI. |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | 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<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $225 due<br>to appraisal<br>increased<br>from LE to<br>CD. Missing<br>a valid<br>Change of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 05.08.2026<br>-COC<br>provided | 05.08.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No mortgage lates reporting on credit report. Oldest mortgage tradeline opened October 2016.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 80% is less than max allowed 89.99%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 761 exceeds required FICO of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $1,167,759.85 or 88.294 months of PITI. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Credit/Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations<br>not<br>disclosed/<br>accounted<br>for at<br>origination | No | Inquiry<br>monitoring<br>for B1<br>received<br>from<br>XXXXXX.<br>Documents<br>are missing<br>verification<br>of inquiries<br>:XXXXXX.<br>Recurring<br>payments<br>on<br>XXXXXX<br>are not<br>addressed. | 5/19/2026:<br>Received LOX for<br>$330 for cleaning<br>lady 3X per week.<br>The remaining are<br>mortgage inquiries. | 5/19/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No mortgage lates reporting on credit report. Oldest mortgage tradeline opened October 2016.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 80% is less than max allowed 89.99%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 761 exceeds required FICO of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $1,167,759.85 or 88.294 months of PITI. |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Income/<br>Employment | Satisfied D A | CRDINC2408 | Income<br>verification<br>does not<br>meet<br>guidelines | No | Per DU<br>findings<br>and FNMA<br>guides B3-<br>3.4-11, for<br>notes<br>receivable<br>income, 12<br>months of<br>evidence of<br>receipt is<br>required.<br>Received<br>only 1st<br>quarter of<br>2025<br>evidence of<br>receipt<br>(wire on<br>XXX).<br>Require 2,<br>3, and 4th<br>quarter<br>evidence of<br>receipt. | 5/26/2026Received<br>Letter from<br>Accountant and<br>payments received<br>of $432,465.89 as<br>of XXX; payments<br>received XXX,<br>XXX, XXX —<br>paid quaqrterly. | 5/26/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No mortgage lates reporting on credit report. Oldest mortgage tradeline opened October 2016.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 80% is less than max allowed 89.99%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 761 exceeds required FICO of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $1,167,759.85 or 88.294 months of PITI. |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | AZ | 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 | PRVAAPPR173 | Comp Photos<br>Unacceptable | No | Photos for<br>comp 3 and<br>6 and<br>listing 2 do<br>not show<br>the house<br>considered.<br>No MLS<br>photos to<br>support. | 5/19/2026:<br>Received appraisal<br>updated. | 5/19/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: No mortgage lates reporting on credit report. Oldest mortgage tradeline opened October 2016.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV of 80% is less than max allowed 89.99%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 761 exceeds required FICO of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $1,167,759.85 or 88.294 months of PITI. |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Strong credit history/profile with no lates and no derogs reporting on credit.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0 x 30 in 39 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been at job for 7 years and 1 month. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | XXXXXX | MD | 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<br>or not timely<br>disclosed;<br>refund<br>required<br>within 60<br>days of<br>consummation | No | Zero<br>Tolerance Fee<br>of $4,451.28<br>due to Loan<br>Discount<br>Points<br>$4,451.28<br>increased<br>from LE to<br>CD. Missing<br>a valid<br>Change of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 06.10.2026<br>-COC<br>received | 06.10.2026<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 792 exceeds required FICO of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Three months reserves required for subject plus six months for financed REOs: $10,429.10 X 3 = $31,287.30; $5,410.33 X 6 = $32,461.98. Total required $63,749.28. (Higher than DU required $21,307.86).<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, Borrower has been with current employer since 1/30/2012. |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | FL | 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 in 76 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11+ years at departing residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 796 exceeds guidelines |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 Credit score exceeds guidelines 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton<br> Comments: 20.5% DTI below guideline requirement 45%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of credit- only 2 accounts with low balances |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is at 38.79 below the max of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 775 exceeds the minimum fico requirement of 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit utilization is only at 4.33% |

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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 Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;37 | 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: Post Close Assets are $308,180.70 or 25.17 mos. PITIA. Post close reserves of 3 mos. PITIA or $45,666.63 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 mid score > min required of 720<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 38.34% is below guideline maximum 50%. |
| &nbsp;&nbsp;&nbsp;38 | 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: 763 mid score > min required of 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 12.16%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 32.92% is below guideline maximum 50%. |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 24.79% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 89.99%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.00%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 mid score > min required of 700<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 285 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1,737,854.50/ 237.43 months PITIA)> min required $25,048.08. |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B | Credit | Income/<br>Employment | Active B | CRDINC2496 | Verbal<br>verification<br>of<br>employment<br>completed<br>outside the<br>stated<br>requirements<br>and/or after<br>closing/<br>funding | No | Provide<br>Funding<br>VVOE<br>for B2.<br>Latest<br>in the<br>file is<br>dated<br>XXX.<br>Loan<br>closed<br>XXX. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 95 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 mid score > min required of 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 24 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 36.76% is below guideline maximum 45%. |

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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** | **Initial<br>Securitization<br>Condition<br>Grade** | **Final<br>Securitization<br>Condition<br>Grade** | **Initial**<br> **S&P<br>Condition<br>Grade** | **Final**<br> **S&P<br>Condition<br>Grade** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;45 | 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 been self-employed for 28 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 18.79% is below guideline maximum 45%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 13 years at primary residence. |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 166 months mortgage payment history 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 14 years at primary residence<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 793 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 35.33% is below guideline maximum 45%.<br>CFCFS1742: Consumer credit history<br> exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 318 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 3.00% |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | VA | 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 743 exceeds guidelines, minimum 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $199,396.63 or 16.07 months exceed guidelines |
| &nbsp;&nbsp;&nbsp;48 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score is 813. Min required 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.21 is below max DTI of 50.0.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $114,313.14, or 14 months PITI. Three months reserves required plus six months for financed REO. $8,021.84 X 3 = $24,065.52; $2,649.88 X 6 = $15,899.28. total required $39,964.80. |

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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 Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | AZ | 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<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 22.45% is below guideline maximum 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $372314.63 / 51.61 months PITIA > min required of $21,642.21.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 mid score > min required of 700. |
| &nbsp;&nbsp;&nbsp;50 | 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: Minimal usage of available revolving credit lines @4.59%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 41.44% is below guideline maximum 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70.00%; guidelines allow 89.99%. |
| &nbsp;&nbsp;&nbsp;51 | 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 7 years with current employer, 3 years with secondary employment.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $68,821.07, required reserves per AUS are $0.0.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 36.17 is below overlay max DTI of 45.0. |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borr has been in same line of work for over 38 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 FICO score > min. requirement of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borr has over $1mm in reserves remaining after mandatory reserve requirement is met. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;53 | 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: 782 mid score > min required of 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 116 months.<br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 7.00%<br> CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 67 months mortgage payment history 0x30.<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 66.43%; guidelines allow 89.99%. |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | State<br>Consumer<br>Protection | Active B | CMPSTCP117 | OH CSPA;<br>Home<br>Mortgage<br>Information<br>Document<br>not<br>provided | No | Home<br>Mortgage<br>Information<br>Document<br>not<br>provided | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.07 % is below the guidelines 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit 793 score exceeds guidelines 700<br> CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75.00%is below the guidelines 89.99%<br> CFCFS1744: DTI below guideline requi |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | TX | 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: 20+ years at same employer.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $1,105,808.08 month > reserve requirement $45,994.05; plus six months for financed REO $5,160.18 X 6 = $30,961.08. total required $76,955.13.<br> CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 798 mid score > min required of 720.<br> CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have 56-months housing payment history 0x30. |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing<br>AUS or<br>AUS errors<br>present | No | Missing<br>verification<br>of which<br>AUS used.<br>DU AUS<br>dated XXX<br>at 3:21PM<br>in fileLP<br>AUS dated<br>XXX at<br>19:23PM in<br>file1008<br>indicates<br>loan<br>approved<br>with DU | 5/29/2026:<br>Lender<br>verified<br>DU used. | 5/29/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.00 below 89.99 max<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.69 DTI below max 45 |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Provide<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $400,068.79 in post closing reserves or 35.98 months PITI.Three months reserves required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22% DTI below<br> guideline requirement 50%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of credit |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Credit/<br>Mtg<br>History | Active B | CRDCRMH193 | Length of<br>mortgage/<br>rental<br>history in<br>file does<br>not meet<br>guideline<br>requirement | No | Provide VOR<br>to verify<br>0X30X12<br>with previous<br>residence<br>rented at<br>$3,300/month.<br>Required per<br>DU item #28. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $400,068.79 in post closing reserves or 35.98 months PITI.Three months reserves required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22% DTI below guideline requirement 50%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of credit |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient<br>Hazard<br>Insurance<br>Coverage | No | Provide proof<br>of insurance<br>with adequate<br>coverage<br>amount. With<br>all extended<br>coverage,<br>total is XXX. | 5/14/2026:<br>Received<br>updated<br>HOI with<br>additional<br>coverage.<br>No<br>escrows,<br>so<br>increase in<br>premium<br>is ok. | 5/14/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $400,068.79 in post closing reserves or 35.98 months PITI.Three months reserves required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22% DTI below guideline requirement 50%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of credit |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA/CU<br>Score 4.5.<br>Clayton to<br>order AVM. | 5/5/2026:<br>Received<br>AVM<br>supporting<br>value. | 5/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $400,068.79 in post closing reserves or 35.98 months PITI.Three months reserves required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 22% DTI below guideline requirement 50%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal use of credit |

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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 Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;60 | 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: $8,242.97 x 3 = $24,728.91 + $1,296.00 XXX $26,024.91 requiredPost close reserves $162,610.17<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80.00 below max 89.99 |
| &nbsp;&nbsp;&nbsp;61 | 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: 40% DTI < max permitted of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 724 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton<br> Comments: 80% CLTV < max permitted of 90% |
| &nbsp;&nbsp;&nbsp;62 | 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: Borrowers DTI 42.64% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.79%; guidelines allow 89.99%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid score > min required of 700 |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied A | CMPTRID5293 | TRID<br>Not all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the<br>CD | No | Seller fees<br>listed on<br>Seller<br>CD(recording<br>fees) but not<br>Borrower<br>CD. As the<br>fees are at<br>least<br>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<br>Data) | Numeric | Not<br>Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $210,892.30 or 24.24 months PITI. DU reserves required $51,657. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;64 | 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 | Missing<br>FHLMC<br>SSR.<br>Clayton<br>to order<br>AVM. | 6/11/2026:<br>Received<br>AVM<br>supporting<br>value. | 6/11/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 24.12% is below guideline maximum 50%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @13.77%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $474,420.37 or 47.71 months of P&I (or PITI if required) |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 25.32% is below guideline maximum 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80.00%; guidelines allow 89.99%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 29 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 28 years at primary residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 271 months mortgage payment history 0x30.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 28+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 mid score > min required of 700<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 316 months. |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX | TX | 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 A | CMPTRID5293 | TRID<br>Not all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the<br>CD | No | Seller<br>paid paid<br>fees<br>missing<br>and not<br>updated<br>on final<br>closing<br>disclosure | 06.10.2026<br>-Seller CD<br>received | 06.10.2026<br>-Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $2,041,285.49 in post closing reserves or 119.95 months PITI.Eighteen months reserves required: $17,016.93 X 18 = $306,304.74.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 803 median FICO. Min required 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Verified 11.39% DTI. Max allowed 45%. |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned Primary home for 20 years.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower 1 has over 26 years at current job. |

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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 Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | ME | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 mid score > min required of 720<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 99 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.58% is below guideline maximum 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $530,970.30 or 33.13 months of PITI; required reserves are $16,023.42 x 18 = $288,421.56 |
| &nbsp;&nbsp;&nbsp;69 | 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: LTV of 75.51% is below the maximum allowable of 89.99%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of774 is above the required 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of0x30x54 months exceeds the required 0x30x12 months. |
| &nbsp;&nbsp;&nbsp;360 | XXXXXX | XXXXXX | NM | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active B | CMPTRID5293 | TRID<br>Not all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the<br>CD | No | Not all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the<br>final CD.<br>Seller's<br>CD in<br>file and<br>able to<br>trace all<br>fees. (No<br>Data) | Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves of 482.57 months exceeds the required 3 months reserves plus 2% UPB on Departure Property.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 801 is above the required 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x75 months exceeds the required 0x30x12 months. |
| &nbsp;&nbsp;&nbsp;70 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  | <br> CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 5.99%<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 24 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 14.22% is below guideline maximum 45%. |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;71 | 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: $71,652.23 post closing reserves. $0 required<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Co-borrower #3 8 months as new XXX. High potential for increased earnings through shift differential pay. |
| &nbsp;&nbsp;&nbsp;72 | 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 Close Assets are $2,990,373.67 or 364.01 mos. PITI. Required reserves 3 mos. PITI $8,215.13 \* 3 = $24,645.39.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 24 months mortgage payment history 0x30.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 19.73% is below guideline maximum 45% |
| &nbsp;&nbsp;&nbsp;73 | XXXXXX | XXXXXX | MA | 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/<br>LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>Desk<br>Review. | 6/2/2026:<br>Received<br>AVM<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 score<br> exceeds 700 minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV with a max 89.99% allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $142,162.03 in post closing reserves or 13.06 months PITI.Three months reserves plus six months for financed REOs required: 10,888.87 X 3 = $32,666.61; ($7,430.27 + $3,299.66 + $5,754.52) X 6 = $98,906.70. Total required $131,573.31. |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Low credit utilization ratio of 24.42%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No mortgage lates on credit. 0 x 30 in 61 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 13 years and 4 months. |

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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 Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;76 | 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 below max 89.99<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 15+ years with present employer |
| &nbsp;&nbsp;&nbsp;77 | 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: Borrowers DTI 31.62% is below guideline<br> maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 728 mid score > min required of 700 |
| &nbsp;&nbsp;&nbsp;79 | 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: $111,011.17 post closing reserves. Minimum $51259.08 minimum all properties required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 30.9/36.49 DTI. Max 45% |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | 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<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines 3 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: good credit history and minimal use of credit<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 803 Credit score exceeds guidelines 720 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | AZ | 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<br>3.8.<br>Clayton<br>to order<br>AVM.<br>The<br>AVM in<br>the file<br>was done<br>by<br>PNMAC.<br>Must be<br>a third<br>party<br>report. | 6/2/2026:<br>Received<br>AVM<br>supporting<br>value. | 6/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines 3 months<br>CFCFS2860: Good credit history<br> - Clayton Comments: good credit history and minimal use of credit<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 803 Credit score exceeds<br> guidelines 720 |
| &nbsp;&nbsp;&nbsp;81 | 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 30+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 778 mid score > min required of 720<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 50 months mortgage payment history 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $1,748,876.92 or 128.20 months of PITIA; required PITIA reserves are $13,640.98 x 3 months = $40,922.94 |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $212,000 + in reserves after closing — exceeds guideline requirements significantly<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 credit score exceeds guidelines<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3 year 6 months at current residence |
| &nbsp;&nbsp;&nbsp;83 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @ 0%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in same profession for 30 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 812 exceeds guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $506,146.92 or 58.93 months exceed guidelines<br> CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 24 months. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **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 Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;84 | 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: 736 mid score > min required of 700.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 14+ years at present job |
| &nbsp;&nbsp;&nbsp;85 | 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: Low credit utilization ratio of 9.38%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been at current job for 17 years and 4 months.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co-borrower has been at current residence for 25 years and 6 months.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No lates (0 x 30) and no derogatory credit. |
| &nbsp;&nbsp;&nbsp;86 | 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: 767 fico exceeds minimum required score per guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 74.13% LTV. Max allowed 89.99%. |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B | 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<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0 x 30 in 92 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 14+ years owning business |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;88 | 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: 730 mid score > min required of 700.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Debt consolidation provided savings to borrower. |
| &nbsp;&nbsp;&nbsp;89 | 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<br>Score in<br>file 3.9,<br>guideline<br>requires<br>2.5 and<br>below.<br>Clayton<br>to order<br>AVM. | 6/11/2026:<br>Received<br>AVM<br>supporting<br>value. | 6/11/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 19.99% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 mid score > min required of 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 24 months. |
| &nbsp;&nbsp;&nbsp;90 | 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<br>Not all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the<br>CD | No | Not all<br>required<br>seller-<br>paid fees<br>were<br>disclosed<br>on the<br>final CD.<br>Seller's<br>CD in<br>file and<br>able to<br>trace all<br>fees,<br>exception<br>is<br>satisfied. | (No Data) | (No Data) | Numeric | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $913,097.95 or 90.78 months of PITI.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Minimal usage of available revolving credit lines @8.69%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80.00%; guidelines allow 89.99%. |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 77.49%; guidelines allow 89.99%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 84 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $63,603.74 or 8.47 months of PITI, required reserves $22,510.68<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 700 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | AZ | 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<br>score<br>4.9 is<br>>2.5.<br>Clayton<br>to order<br>Desk<br>Review | 6/11/2026:<br>Received<br>AVM<br>supporting<br>value. | 6/11/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned the primary residence 22 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 24 years in the same profession<br>CFCFS1740:Mortgage payment history exceeds guidelines<br> - Clayton Comments: 0x30x51 mortgage payment history |
| &nbsp;&nbsp;&nbsp;93 | 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: 15 years on job per VOE<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $117,240.87 in post closing reserves. Min $32,994.09 required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 791 median FICO. Min required 700. |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage is 0 x 30 in 56 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Low credit utilization ratio of 10.65%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in line of work for 19 years. Co-borrower has been in line of work for 10 years. |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $340,368.62 in post closing reserves or 42.89 months PITI.Three months reserves required plus six months for financed REO: $7,395.18 X 3 = $22,185.54 plus $8,302.42 X 6 = $49,814.52. Total required $72,000.06.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 Credit score exceeds guideline minimum significantly.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 17.8% is significantly below the guideline maximums. |

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **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** | **Initial<br>Securitization<br>Condition<br>Grade** | **Final<br>Securitization<br>Condition<br>Grade** | **Initial**<br> **S&P<br>Condition<br>Grade** | **Final**<br> **S&P<br>Condition<br>Grade** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;96 | 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: Verified 769 median FICO. Min required 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified 66.27% LTV. Max allowed 89.99%. |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX GA | 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 have been at current residence for 16 years and 4 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been at current job for 25 years and 11 months.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No lates on mortgage. 0 x 30 in 84 months. |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | XXXXXX AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 16.95% is below guideline maximum 45%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 qualifying score > min required of 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $1,670,167.78 or 130.83 months of PITIA reserves > required $38,296.35 (3 mos PITIA $12,765.45X3) |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $615249.69 / 56.49 months PITIA > min required of $32,673.93.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 787 mid score > min required of 620 |

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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** | **Initial<br>Securitization<br>Condition<br>Grade** | **Final<br>Securitization<br>Condition<br>Grade** | **Initial**<br> **S&P<br>Condition<br>Grade** | **Final**<br> **S&P<br>Condition<br>Grade** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;101 | 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: 794 mid score > min required of 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 29.90% is below guideline maximum 45%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 24 months. |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | RI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 731 fico > program minimum of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 63.29% LTV < program maximum of 89.99%. |
| &nbsp;&nbsp;&nbsp;103 | 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 $500,004.37 or 75.87 months of PITIA; required PITIA reserves $6,589.93 x 3 = $19769.79<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 33.711% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 784 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 89.99%. |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 64.01% is below the maximum allowable of 80%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has been in the same profession for over 20 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 796 is above the required 720.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 0x30x30 months exceeds the required 0x30x12 months. |

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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** | **Initial<br>Securitization<br>Condition<br>Grade** | **Final<br>Securitization<br>Condition<br>Grade** | **Initial**<br> **S&P<br>Condition<br>Grade** | **Final**<br> **S&P<br>Condition<br>Grade** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;106 | 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: Borrowers DTI 38.13% is below guideline maximum 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 800 mid score > min requir<br> ed of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $79,126.98 or 8.19 months of PIIA; required reserves are $9,658.12 x 3 mo. = 28,974.36<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have56 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 756 mid score > min required of 620<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 63.35%; guidelines allow 80%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9+ years at present job |
| &nbsp;&nbsp;&nbsp;109 | 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: 11+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 786 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $476075.29 / 44.03 months PITIA > min required of $0 |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | CT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75 % LTV below guideline requirements Max LTV 89.99%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 762 Credit Score exceeds guidelines of 700 |

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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** | **Initial<br>Securitization<br>Condition<br>Grade** | **Final<br>Securitization<br>Condition<br>Grade** | **Initial**<br> **S&P<br>Condition<br>Grade** | **Final**<br> **S&P<br>Condition<br>Grade** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID**<br> **Error**<br> **Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | UT | 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 30 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 35.46% is below guideline maximum 45%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 24 months. |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | XXXXXX | WI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 89.99%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 39.33% is below guideline maximum 50%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 lates on credit report over last 60 months.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 16+ years at present job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 790 FICO score. Minimum required 700. |
| &nbsp;&nbsp;&nbsp;114 | 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: 750 credit score exceeds guidelines 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified $832,317.44 in post-closing reserves or 48.68 months PITI.Eighteen months reserves required: $17,094.89 X 18 = $307,708.02.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been with current employer 3.67 years. |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 7% DTI < max permitted of 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 768 mid score > min required of 700 |

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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 Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;116 | 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 | CU Score<br>5.0.<br>Clayton to<br>order<br>AVM. | 6/11/2026:<br>Received<br>AVM<br>supporting<br>value. | 6/11/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $651,605.97 or 44.41 months of PITI.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 64% is<br> below maximum allowed 89.99%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.74 is below maximum allowed 50% |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 748 mid score > min required of 700<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 13 years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have 62 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C 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 | Provide<br>Funding<br>VVOE for<br>B1. The<br>latest in<br>the file is<br>dated<br>XXX.<br>Loan<br>closed<br>XXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 76.60%; guidelines allow 89.99%. |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Property<br>Valuations | Appraisal | Active C B | PRVAAPPR119 | Appraisal<br>documentation<br>does not<br>support<br>occupancy | No | Appraiser<br>to correct<br>occupancy.<br>Appraisal<br>list<br>property as<br>"vacant"<br>although<br>photos<br>show<br>clearly<br>occupied. | 6/11/2026:<br>Lender<br>asked for<br>re-review of<br>exception to<br>be<br>downgraded<br>to non-<br>material. | 6/11/2026:<br>Clayton<br>downgraded<br>to Level 2,<br>non-<br>material.<br>The subject<br>photos<br>Interior/<br>Exterior<br>shows the<br>subject is<br>occupied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 24 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 mid score > min required of 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 76.60%; guidelines allow 89.99%. |

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| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-J4_J17056** |
|  <br> **Conditions Report 2.0** | <br> **Conditions Report 2.0** |
| ***Loans in Report:*** | *102* |
| ***Loans with Conditions:*** | *31* |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | XXXXXX D B A | Yes |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | XXXXXX C A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | XXXXXX A | No |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;48 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | XXXXXX B A | Yes |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;360 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;70 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;73 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | XXXXXX A | No |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **Did Lender<br>Acknowledge<br>Exception at<br>Origination** |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;83 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;116 | XXXXXX | XXXXXX | XXXXXX D A | Yes |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |

---

## Exhibit 99.3

**EXHIBIT 99.3** 

**CLAYTON RATING AGENCY ATR QM DATA FIELDS** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-J4_J17056** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *102* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and<br>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 | XXXXXX | XXXXXX | No | Yes | 1395 | XXXXXX | 6.237 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1995 | XXXXXX | 6.6387 | Unemployed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 595 | XXXXXX | 6.0753 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1395 | XXXXXX | 7.14 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 23040 | XXXXXX | 6.2257 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;5 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1395 | XXXXXX | 6.5206 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4879.6 | XXXXXX | 6.7718 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2050 | XXXXXX | 6.4252 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;8 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2190 | XXXXXX | 6.1795 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1350 | XXXXXX | 7.1861 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 175 | XXXXXX | 6.5318 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 12500 | XXXXXX | 5.2435 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1100 | XXXXXX | 5.8894 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;13 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4008 | XXXXXX | 6.5456 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1595 | XXXXXX | 6.2702 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1200 | XXXXXX | 6.1466 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;17 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1570 | XXXXXX | 6.0479 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7080 | XXXXXX | 6.5556 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3409.99 | XXXXXX | 6.3821 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.3794 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;22 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 8520 | XXXXXX | 6.4175 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 38281.2 | XXXXXX | 5.9244 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3019 | XXXXXX | 6.4612 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1395 | XXXXXX | 5.8986 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1920 | XXXXXX | 6.554 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and<br>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;29 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1900 | XXXXXX | 6.1264 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1875 | XXXXXX | 6.5528 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;31 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2269 | XXXXXX | 6.927 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;33 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1235 | XXXXXX | 6.892 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1595 | XXXXXX | 6.4001 | Employed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1870 | XXXXXX | 6.4408 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 875 | XXXXXX | 7.1354 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 164 | XXXXXX | 5.9954 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1450 | XXXXXX | 6.7731 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | 6.7756 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1576 | XXXXXX | 6.6477 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;46 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2150 | XXXXXX | 6.2802 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 20119.23 | XXXXXX | 7.6408 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;48 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.3855 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4912.6 | XXXXXX | 6.8047 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1990 | XXXXXX | 6.0597 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 18295 | XXXXXX | 6.8004 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;52 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 21095 | XXXXXX | 6.4903 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;53 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2090 | XXXXXX | 6.2719 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1735 | XXXXXX | 6.2848 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.1633 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;58 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1790 | XXXXXX | 6.0279 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.4758 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;60 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1450 | XXXXXX | 6.517 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1620 | XXXXXX | 6.5424 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and<br>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;62 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1670 | XXXXXX | 6.4183 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;63 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1390 | XXXXXX | 6.2741 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2895 | XXXXXX | 6.5439 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1490 | XXXXXX | 6.5186 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;66 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1805 | XXXXXX | 6.762 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 35 | XXXXXX | 6.2491 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 11262.5 | XXXXXX | 6.0506 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1620 | XXXXXX | 6.4566 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;360 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1625 | XXXXXX | 6.6495 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;70 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 27277.2 | XXXXXX | 6.2077 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4060 | XXXXXX | 6.5503 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;72 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2040 | XXXXXX | 6.7804 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;73 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.625 | Employed | Employed | U.S. Citizen | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1900 | XXXXXX | 6.772 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;76 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2219 | XXXXXX | 6.3373 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;77 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 17705.34 | XXXXXX | 6.6584 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 19515 | XXXXXX | 6.8327 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2145 | XXXXXX | 6.5226 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.5932 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 229.95 | XXXXXX | 6.5062 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;83 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1996.3 | XXXXXX | 6.1384 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 24280.97 | XXXXXX | 7.6308 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2485 | XXXXXX | 6.614 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 6.5256 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1095 | XXXXXX | 6.7959 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

------

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and<br>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;88 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 24590 | XXXXXX | 6.5948 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;89 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2020 | XXXXXX | 6.4289 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;90 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7142.15 | XXXXXX | 6.5205 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1690 | XXXXXX | 5.9115 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;92 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.0824 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2285 | XXXXXX | 6.4103 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1790 | XXXXXX | 6.2695 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1595 | XXXXXX | 6.0308 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4398.48 | XXXXXX | 6.1872 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;98 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 22060.64 | XXXXXX | 6.152 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;99 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 30 | XXXXXX | 6.7685 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 7944.48 | XXXXXX | 6.6628 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;101 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 21075 | XXXXXX | 6.6628 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1050 | XXXXXX | 6.5148 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.25 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;104 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 28557.5 | XXXXXX | 5.8533 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1090 | XXXXXX | 6.5358 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;107 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 875 | XXXXXX | 6.4032 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;109 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 15931.65 | XXXXXX | 6.5078 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1590 | XXXXXX | 6.6406 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 15827.5 | XXXXXX | 6.252 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;113 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1497 | XXXXXX | 6.5177 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;114 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 15345 | XXXXXX | 6.856 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1599 | XXXXXX | 6.2727 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;116 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 2170 | XXXXXX | 6.6354 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;117 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2298 | XXXXXX | 6.7849 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;118 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1450 | XXXXXX | 6.5161 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

<sup>©</sup>2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.4

**EXHIBIT 99.4** 

**CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD** 

------

![LOGO](g96361g0606064231283.jpg)

**Loan Level Tape Compare Upload**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &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 | 851587.5500 | 272046.58 |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | DTI (Back) | 38.1900 | 25.244 |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | Income (Calculated) | 46562.6200 | 67879.17 |
| &nbsp;&nbsp;&nbsp;2 | XXXXXX | XXXXXX | DTI (Back) | 39.4220 | 45.6605 |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | Cash Reserves | 3546772.3700 | 2551699.66 |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | Cash Reserves | 65779.4100 | 48704.64 |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | Cash Reserves | 286958.6100 | 1860570.21 |
| &nbsp;&nbsp;&nbsp;6 | XXXXXX | XXXXXX | Cash Reserves | 286864.0600 | 2063292.87 |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | XXXXXX | Cash Reserves | 152632.6700 | 1017471.37 |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | XXXXXX | DTI (Back) | 49.2570 | 43.7951 |
| &nbsp;&nbsp;&nbsp;9 | XXXXXX | XXXXXX | Cash Reserves | 62708.3500 | 141108.64 |
| &nbsp;&nbsp;&nbsp;10 | XXXXXX | XXXXXX | Cash Reserves | 1597549.3600 | 127672.21 |
| &nbsp;&nbsp;&nbsp;11 | XXXXXX | XXXXXX | Cash Reserves | 308901.6900 | 119281.89 |
| &nbsp;&nbsp;&nbsp;20 | XXXXXX | XXXXXX | Loan Purpose | Rate and Term Refi | Construction/Perm |
| &nbsp;&nbsp;&nbsp;23 | XXXXXX | XXXXXX | Cash Reserves | 295726.4600 | 385451.49 |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | Cash Reserves | 781156.9200 | 436876.88 |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | Cash Reserves | 70882.9900 | 105714.33 |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | Property Type | High Rise Condo (9+) | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | Cash Reserves | 58083.8000 | 33083.8 |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | XXXXXX | Cash Reserves | 802484.8500 | 427347.55 |
| &nbsp;&nbsp;&nbsp;36 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | Cash Reserves | 243426.8000 | 383180.7 |
| &nbsp;&nbsp;&nbsp;38 | XXXXXX | XXXXXX | Cash Reserves | 81813.1200 | 56583.05 |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | Cash Reserves | 220436.1200 | 160936.12 |
| &nbsp;&nbsp;&nbsp;45 | XXXXXX | XXXXXX | Cash Reserves | 410030.6900 | 264363.66 |
| &nbsp;&nbsp;&nbsp;50 | XXXXXX | XXXXXX | Cash Reserves | 640105.1700 | 898239.85 |
| &nbsp;&nbsp;&nbsp;51 | XXXXXX | XXXXXX | Cash Reserves | 341168.2400 | 68821.07 |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | Cash Reserves | 1530808.0800 | 1105808.08 |
| &nbsp;&nbsp;&nbsp;57 | XXXXXX | XXXXXX | Representative Score | 799 | 798 |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | Cash Reserves | 162286.5000 | 400068.79 |
| &nbsp;&nbsp;&nbsp;59 | XXXXXX | XXXXXX | DTI (Back) | 22.4080 | 19.2343 |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | XXXXXX | Cash Reserves | 1154969.6100 | 7528397.82 |
| &nbsp;&nbsp;&nbsp;61 | XXXXXX | XXXXXX | Income (Calculated) | 8034.0000 | 4204.99 |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | XXXXXX | Cash Reserves | 714338.4200 | 264338.42 |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | XXXXXX | Cash Reserves | 775792.8400 | 475454.36 |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX | Cash Reserves | 158779.2000 | 114970.2 |
| &nbsp;&nbsp;&nbsp;67 | XXXXXX | XXXXXX | Cash Reserves | 931124.5900 | 1268621.81 |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | Cash Reserves | 499065.0000 | 179350.7 |
| &nbsp;&nbsp;&nbsp;70 | XXXXXX | XXXXXX | Cash Reserves | 468578.8700 | 2055029.12 |
| &nbsp;&nbsp;&nbsp;71 | XXXXXX | XXXXXX | Cash Reserves | 369039.7800 | 71652.23 |
| &nbsp;&nbsp;&nbsp;73 | XXXXXX | XXXXXX | Cash Reserves | 296203.2700 | 142162.03 |
| &nbsp;&nbsp;&nbsp;79 | XXXXXX | XXXXXX | Cash Reserves | 425553.2100 | 109972.21 |
| &nbsp;&nbsp;&nbsp;80 | XXXXXX | XXXXXX | Cash Reserves | 2646600.4100 | 1521040.04 |
| &nbsp;&nbsp;&nbsp;81 | XXXXXX | XXXXXX | DTI (Back) | 38.0180 | 44.1318 |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | Cash Reserves | 413227.0000 | 137063.42 |
| &nbsp;&nbsp;&nbsp;85 | XXXXXX | XXXXXX | Cash Reserves | 334933.5400 | 79613 |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | Cash Reserves | 256025.1800 | 63603.74 |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | XXXXXX | Cash Reserves | 616548.3800 | 117764.87 |
| &nbsp;&nbsp;&nbsp;96 | XXXXXX | XXXXXX | Cash Reserves | 801373.0400 | 79396.44 |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | XXXXXX | Cash Reserves | 909285.6700 | 614324.88 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;100 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | Cash Reserves | 253837.0300 | 157474.97 |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | Cash Reserves | 315596.5400 | 79126.98 |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | Property Type | High Rise Condo (9+) | Mid Rise Condo (5-8) |
| &nbsp;&nbsp;&nbsp;111 | XXXXXX | XXXXXX | Cash Reserves | 2997843.5500 | 3858409.33 |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |

---

<sup>©</sup>2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.5

**EXHIBIT 99.5** 

**CLAYTON VALUATIONS SUMMARY** 

------

---

| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC PMTLT 2026-J4_J17056 |
| **Valuations Summary** |  |
| **Loans In Report:** | *102* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&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 Date** | **Review**<br> **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **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** | **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** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value -<br> Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 2 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 3 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 359 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 4 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 9.16% | Full<br>Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 5 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 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 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 7 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 8 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 9 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $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; 10 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 11 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $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; 12 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 13 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -3.37% | 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% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 14 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| &nbsp;&nbsp;&nbsp;&nbsp; 15 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $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; 17 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -1.87% | 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; 18 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 20 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 21 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.33% | 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% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 22 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 23 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 24 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 25 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 27 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 29 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $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; 30 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $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 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 33 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $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; 35 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 36 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $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; 37 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -0.83% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 38 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 42 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 43 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 45 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -0.47% | 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% | 2.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 46 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $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** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&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 Date** | **Review**<br> **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **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** | **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** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value -<br> Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 47 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $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; 48 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 49 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 50 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 51 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| &nbsp;&nbsp;&nbsp;&nbsp; 52 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 53 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 54 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 57 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 58 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp; 59 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -3.17% | 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% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 60 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 61 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 62 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 63 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 64 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 6.09% | 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; 65 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 66 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 67 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 3.07% | 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% | 3.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 69 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 360 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 70 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 71 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 72 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2 |
| &nbsp;&nbsp;&nbsp;&nbsp; 73 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | 1.39% | 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% | 3.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 74 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $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; 76 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Full<br>Appraisal |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 77 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 79 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 80 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -3.51% | 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% | 3.8 |
| &nbsp;&nbsp;&nbsp;&nbsp; 81 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 82 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 83 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |
| &nbsp;&nbsp;&nbsp;&nbsp; 84 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| &nbsp;&nbsp;&nbsp;&nbsp; 85 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 86 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 87 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 88 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXXX | XXXXXX | XXXXXX | -8.93% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 89 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -4.42% | 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% | 3.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 90 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 91 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $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% |  | XXXXXX | XXXXXX | XXXXXX | -4.85% | 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% | 4.9 |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 94 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -6.74% | XXXXXX | 1.000 | 99.00 |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 95 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 96 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 98 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $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; 99 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.8 |
| &nbsp;&nbsp;&nbsp;&nbsp; 100 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| &nbsp;&nbsp;&nbsp;&nbsp; 101 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $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** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** |
| &nbsp;&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 Date** | **Review**<br> **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance**<br> **Amount** | **Variance<br>(%)** | **AVM**<br> **Vendor**<br> **Name** | **AVM FSD** | **Confidence**<br> **Score** | **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** | **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** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other - Valuation<br>Type** | **Report Date -<br>Other** | **Value -<br> Other** | **Variance Amount -<br>Other** | **Variance (%) -<br>Other** | **CU /LCA Score** |
| &nbsp;&nbsp;&nbsp;&nbsp; 102 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.7 |
| &nbsp;&nbsp;&nbsp;&nbsp; 103 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $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; 104 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 106 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $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; 107 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| &nbsp;&nbsp;&nbsp;&nbsp; 109 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 111 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp; 112 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $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; 113 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 114 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $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; 115 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $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% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp; 116 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXXX | XXXXXX | XXXXXX | -2.31% | 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% | 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 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $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; 118 | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |

---

## Exhibit 99.6

**EXHIBIT 99.6** 

**CONSOLIDATED ANALYTICS, INC. ("CONSOLIDATED ANALYTICS") DUE DILIGENCE EXECUTIVE SUMMARY** 

------

![LOGO](g96361g0616075121432.jpg)

**EXECUTIVE SUMMARY** 

**THIRD PARTY DUE DILIGENCE REVIEW** 

**June 12, 2026** 

**Overview** 

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans originated by PennyMac Corp. (the "Client"). The review included a total of 174 residential mortgage loans in connection with the securitization identified as PMTLT 2026-J4 (the "Securitization"). The Review was conducted from November 2025 and June 2026 on mortgage loans originated between October 2025 and May 2026.

**Scope of Review** 

**Credit Review** 

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

The Credit Review attempted to confirm the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Validate monthly recurring liabilities

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

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

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

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

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

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

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

------

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

------

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

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

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

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

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

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

**Compliance Review** 

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

------

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

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

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

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

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

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

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

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

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

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

**Valuation Review** 

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Additional valuation products were not required when the CU score provided was 2.5 or below or the appraisal
was eligible for FHLMC Collateral Rep and Warrant Relief. In the event the CU score was greater than 2.5, or the appraisal was Not Eligible for FHLMC Collateral R&W Relief, an additional valuation product was obtained to confirm value was
supported within 10% tolerance. Based on guidance from the seller, secondary valuation products may have been provided on loans that had an acceptable CU score or were Eligible for FHLMC R&W Relief.

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

------

For loans reviewed in a post-close valuation review scenario (174 loans in total):

Eighty-four (84) loans had an AVM, six (6) loans had a Secondary Appraisal, and twenty (20) loans had Desk Reviews. Consolidated Analytics has independent access to the valuation products ordered by the Client.

If a loan with an AVM or Desk Review fell outside of a -10% tolerance, had an AVM FSD score that exceeded allowable thresholds, or was inconclusive, then an additional secondary valuation product was obtained. There were nineteen (19) occurrences of this. In these instances, seventeen (17) Desk Reviews, one (1) Field Review, and one (1) Secondary Appraisal were obtained, all of which supported value.

There were zero (0) PIW loans.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one-hundred seventy-four (174) mortgage loans reviewed, ninety-one (91) unique mortgage loans (52.30% by loan count) had a total of one hundred twenty-nine (129) discrepancies across eighteen (18) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Fields Reviewed** | **Discrepancy <br> Count** | **Percentage** |
| &nbsp;&nbsp;&nbsp; QM Qualifying Total Debt Income Ratio | 48 | 37.21% |
| &nbsp;&nbsp;&nbsp; Property Address | 27 | 20.93% |
| &nbsp;&nbsp;&nbsp; Property Type | 14 | 10.85% |
| &nbsp;&nbsp;&nbsp; Application Date | 7 | 5.43% |
| &nbsp;&nbsp;&nbsp; Total Qualified Assets Post-Close | 5 | 3.88% |
| &nbsp;&nbsp;&nbsp; Qualifying LTV | 3 | 2.33% |
| &nbsp;&nbsp;&nbsp; Loan Program | 4 | 3.10% |
| &nbsp;&nbsp;&nbsp; Qualifying FICO | 3 | 2.33% |
| &nbsp;&nbsp;&nbsp; Note Date | 3 | 2.33% |
| &nbsp;&nbsp;&nbsp; Refinance Type | 2 | 1.55% |
| &nbsp;&nbsp;&nbsp; Escrow Waiver in File | 2 | 1.55% |
| &nbsp;&nbsp;&nbsp; Occupancy | 2 | 1.55% |
| &nbsp;&nbsp;&nbsp; Loan Purpose | 2 | 1.55% |
| &nbsp;&nbsp;&nbsp; Property Zip Code | 2 | 1.55% |
| &nbsp;&nbsp;&nbsp; Loan Product Type | 2 | 1.55% |
| &nbsp;&nbsp;&nbsp; Total Closing Costs | 1 | 0.78% |
| &nbsp;&nbsp;&nbsp; First Payment Date | 1 | 0.78% |
| &nbsp;&nbsp;&nbsp; Property City | 1 | 0.78% |
| &nbsp;&nbsp;&nbsp; **Grand Total** | **129** | **100.00%** |

---

------

**Summary of Results** 

**OVERALL RESULTS SUMMARY** 

**Final Loan Grades** 

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;&nbsp; **Event Grade** | **Loan Count** | **Original Principal Balance** | **Percent of <br>Sample** |
| &nbsp;&nbsp;&nbsp;Event Grade A | 107 | $136158537.00 | 61.49% |
| &nbsp;&nbsp;&nbsp;Event Grade B | 67 | $87210691.00 | 38.51% |
| &nbsp;&nbsp;&nbsp;Event Grade C | 0 | $0.00 | 0% |
| &nbsp;&nbsp;&nbsp;Event Grade D | 0 | $0.00 | 0% |
| &nbsp;&nbsp;&nbsp;**Total Sample** | 174 | $223369228.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;&nbsp; Event Grade | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loan Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;&nbsp;Event Grade A | 164 | 94.25% |
| &nbsp;&nbsp;&nbsp;Event Grade B | 10 | 5.75% |
| &nbsp;&nbsp;&nbsp;Event Grade C | 0 | 0% |
| &nbsp;&nbsp;&nbsp;Event Grade D | 0 | 0% |
| &nbsp;&nbsp;&nbsp;**Total Sample** | 174 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;&nbsp; Event Grade | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loan Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;&nbsp;Event Grade A | 112 | 64.37% |
| &nbsp;&nbsp;&nbsp;Event Grade B | 62 | 35.63% |
| &nbsp;&nbsp;&nbsp;Event Grade C | 0 | 0% |
| &nbsp;&nbsp;&nbsp;Event Grade D | 0 | 0% |
| &nbsp;&nbsp;&nbsp;**Total Sample** | 174 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Event Grade | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loan Count | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Percent of Sample |
| Event Grade A | 173 | 99.43% |
| Event Grade B | 1 | 0.57% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 174 | 100.00% |

---

------

**Exception Category Summary** 

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;Exception <br>Type | &nbsp;&nbsp;&nbsp;&nbsp;Exception <br>Level<br> Grade | Exception Category | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total |
|  Credit | A | <br> No Credit Findings<br>| 94 |
|  Credit | A | <br> Missing VOM or VOR<br>| 14 |
|  Credit | A | <br> Missing verification of taxes, insurance, and/or HOA fees for non-subject property<br>| 9 |
|  Credit | A | <br> Third Party Fraud Report not Provided<br>| 7 |
|  Credit | A | <br> HMDA Data Tape Not Provided<br>| 5 |
|  Credit | A | <br> Income and Employment Do Not Meet Guidelines<br>| 5 |
|  Credit | A | <br> Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments<br>| 4 |
|  Credit | A | <br> Borrower 1 W2/1099 Missing<br>| 4 |
|  Credit | A | <br> Audited Reserves are less than Guideline Required Reserves (Dollar Amount)<br>| 4 |
|  Credit | A | <br> Audited Reserves are less than Guideline Required Reserves (Number of Months)<br>| 3 |
|  Credit | A | <br> Borrower 1 3rd Party VOE Prior to Close Missing<br>| 3 |
|  Credit | A | <br> Asset Qualification Does Not Meet Guideline Requirements<br>| 3 |
|  Credit | A | <br> AUS Partially Provided<br>| 3 |
|  Credit | A | <br> Missing Trust Agreement<br>| 2 |
|  Credit | A | <br> Asset 4 Does Not Meet Guideline Requirements<br>| 2 |
|  Credit | A | <br> Purchase Contract does not Match Final CD<br>| 1 |
|  Credit | A | <br> Purchase Contract is Missing<br>| 2 |
|  Credit | A | <br> Asset General<br>| 2 |
|  Credit | A | <br> The Deed of Trust is Missing<br>| 2 |
|  Credit | A | <br> The Note is Missing<br>| 2 |
|  Credit | A | <br> Housing History Does Not Meet Guideline Requirements<br>| 2 |
|  Credit | A | <br> Hazard Insurance Effective Date is after the Disbursement Date<br>| 2 |
|  Credit | A | <br> Verification of Borrower Liabilities Missing or Incomplete<br>| 2 |
|  Credit | A | <br> Borrower 2 W2/1099 Missing<br>| 2 |
|  Credit | A | <br> Purchase is not considered to be an Arm's Length Transaction<br>| 1 |
|  Credit | A | <br> Borrower 1 1040 Schedule E Missing<br>| 1 |
|  Credit | A | <br> Missing Lease Agreement<br>| 1 |
|  Credit | A | <br> Borrower 1 Paystubs Missing<br>| 1 |
|  Credit | A | <br> Property Title Issue<br>| 1 |
|  Credit | A | <br> Borrower 1 Personal Tax Returns Missing<br>| 1 |
|  Credit | A | <br> The Final 1003 is Incomplete<br>| 1 |
|  Credit | A | <br> Borrower 1 Photo Identification not provided<br>| 1 |

---

------

---

| | | |
|:---|:---|:---|
| | Asset 1 Does Not Meet Guideline Requirements | 1 |
| | Asset 10 Missing | 1 |
| | Borrower 1 Business Tax Returns Missing | 1 |
| | The Final 1003 is Missing | 1 |
| | Purchase Contract is Incomplete | 1 |
| | Assets do not meet guideline requirements | 1 |
| | The Deed of Trust is Incomplete | 1 |
| | Audited CLTV Exceeds AUS CLTV | 1 |
| | Missing income documentation | 1 |
| | Title Document is Partially Present | 1 |
| | Missing Property Tax Cert | 1 |
| | Audited DTI Exceeds AUS DTI | 1 |
| | Asset 7 Does Not Meet Guideline Requirements | 1 |
| | All Interested Parties Not Checked with Exclusionary Lists | 1 |
| | Asset 1 Missing | 1 |
| | Audited DTI Exceeds Guideline DTI | 1 |
| | OFAC Check Not Completed and/or Cleared | 1 |
| | Hazard Insurance Policy is Missing | 1 |
| | Borrower 1 Credit Report is Missing | 1 |
| | Audited HCLTV Exceeds AUS HCLTV | 1 |
| | Borrower 1 IRS Transcripts Missing | 1 |
| | HMDA Discrepancy(s) Noted | 1 |
| | Second Home Rider is Missing | 1 |
| | Audited LTV Exceeds AUS LTV | 1 |
| | Borrower 1 Lease Agreements Missing | 1 |
| | Asset 2 Does Not Meet Guideline Requirements | 1 |
| | Borrower 1 Paystubs Less Than 1 Month Provided | 1 |
| | Missing Income - Bank Statements | 1 |
| | The Total Hazard Coverage is LESS than the Required Coverage Amount | 1 |
| | Borrower 2 WVOE Missing | 1 |
| | Third Party Fraud Report Partially Provided | 1 |
| | Evidence of Property Tax Missing | 1 |
| | Flood Insurance Effective Date is after the Disbursement Date | 1 |
| | Verified Liquid Assets Insufficient For Closing | 1 |
| | Flood Insurance Minimum Coverage Not Met | 1 |
| | Guideline Seasoning not Met | 1 |
| | ***Total Credit Grade (A) Exceptions:*** | **223** |
| <br>B | Title Coverage is Less than Subject Lien | 5 |
| <br>B | Approval/Underwriting Summary Not Provided | 3 |
| <br>B | Purchase Contract is Incomplete | 1 |
| <br>B | Purchase Contract does not Match Final CD | 1 |
|  | ***Total Credit Grade (B) Exceptions:*** | **10** |

---

------

---

| | | | |
|:---|:---|:---|:---|
| Compliance | A | No Compliance Findings | 82 |
|  |  | Charges That Cannot Increase Test | 19 |
|  |  | Lender Credits That Cannot Decrease Test | 10 |
|  |  | Revised Loan Estimate Delivery Date Test (prior to consummation) | 4 |
|  |  | Initial Closing Disclosure Delivery Date Test | 3 |
|  |  | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | 2 |
|  |  | Charges That in Total Cannot Increase More Than 10% Test | 2 |
|  |  | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 2 |
|  |  | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | 2 |
|  |  | Initial Loan Estimate Delivery Date Test (from application) | 2 |
|  |  | Missing Required Affiliated Business Disclosure | 2 |
|  |  | Collateral Protection Act, 815 Ill. Comp. Stat. 180/1 et seq. - Collateral Protection Notice was not provided | 1 |
|  |  | TRID: Missing Closing Disclosure | 1 |
|  |  | TILA Right of Rescission Test | 1 |
|  |  | Escrow Waiver is Not Executed | 1 |
|  |  | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | 1 |
|  |  | TILA Finance Charge Test | 1 |
|  |  | ***Total Compliance Grade (A) Exceptions:*** | **136** |
|  | <br>B | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 43 |
|  | <br>B | Missing Required Affiliated Business Disclosure | 13 |
|  | <br>B | Charges That Cannot Increase Test | 5 |
|  | <br>B | Missing Initial Escrow Disclosure | 3 |
|  | <br>B | RESPA Homeownership Counseling Organizations Disclosure Date Test | 2 |
|  | <br>B | TILA Finance Charge Test | 2 |
|  | <br>B | Missing Credit Score Disclosure (FACTA) | 1 |
|  | <br>B | Homeownership Counseling Disclosure Is Missing | 1 |
|  | <br>B | eSigned Documents Consent is Missing | 1 |
|  | <br>B | Homeownership Counseling Disclosure Is Partially Provided | 1 |
|  |  | ***Total Compliance Grade (B) Exceptions:*** | **72** |
| <br>Property | <br>A | No Property Findings | 159 |
| <br>Property | <br>A | Third Party Valuation Product Not Provided within 10% Tolerance | 5 |
| <br>Property | <br>A | UCDP Summary Report is Missing | 1 |
| <br>Property | <br>A | Appraisal is Expired | 1 |
| <br>Property | <br>A | Appraisal incomplete (missing map, layout, pages, etc.) | 1 |
| <br>Property | <br>A | HOA Questionnaire is Missing | 1 |
| <br>Property |  | ***Total Property Grade (A) Exceptions:*** | **168** |
| <br>Property | B | Third Party Valuation Product Not Provided within 10% Tolerance | 1 |
|  | B | ***Total Property Grade (B) Exceptions:*** | **1** |

---

------

**Event Grade Definitions** 

---

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

---

---

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

---

------

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;&nbsp;A | The loan complies with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;&nbsp;B | Nonmaterial exceptions identified but do not impact the enforceability of the mortgage loan or statute of limitations has expired on the loan. Remedy to cure or reasonably good faith effort to re-disclose was made to conform to applicable laws and regulations. All cures are fully documented by copies of the originator refund letter to the borrower, referencing the violation, canceled check, and proof of delivery. |
| &nbsp;&nbsp;&nbsp;C | The loan violates one material law or regulation. A benefit to the borrower cannot be determined. Required material disclosures are absent from the loan file, or the legal documents do not accurately reflect the loan terms agreed upon. All required applicants did not execute the documents. |
| &nbsp;&nbsp;&nbsp;D | There was not sufficient documentation to perform a review, or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;Valuation Event Grades | &nbsp;&nbsp;&nbsp;Valuation Event Grades |
| &nbsp;&nbsp;&nbsp;A | Secondary value is supported within 10% of the original appraisal value. AVM used as a secondary valuation product has a value within 10% of the original appraised value and an FSD score less than or equal to .15. The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed, and the appraisal form is compliant with Uniform Standards of Professional Appraisal Practices (USPAP), Financial Institutions Reform, Recovery and Enforcement Act of 1989 (FIRREA) and satisfies applicable legal and regulatory requirements. |
| &nbsp;&nbsp;&nbsp;B | Additional secondary valuation products were obtained to support the original appraised value within 10%. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;&nbsp;C | The value cannot be supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed, or the appraisal was not performed using USPAP and FIRREA compliant appraisal forms |
| &nbsp;&nbsp;&nbsp;D | The appraisal is missing from the loan file or there was not sufficient valuation documentation to perform a review. AVM was used as a secondary value with a FSD > 0.15, or an AVM performed by a non-Fitch-reviewed vendor. |

---

## Exhibit 99.7

**EXHIBIT 99.7** 

**CONSOLIDATED ANALYTICS EXCEPTION GRADES REPORT** 

------

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;119 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FCRE1254 | Credit | Property<br>Title Issue | Property Title Issue Freddie Mac requires a property titled in an LLC to be transferred to the borrower's prior to close, Lender to provide copy of recorded Quit Claim Deed filed prior to mortgage. | "Prelim: Vested owner XXX LLC and XXX co-owner \| File contains an unexecuted Quitclaim Deed \| | 12/10/2025 | Property Title Issue Resolved; Property Title Issue Resolved; Lender provided executed quit claim deed from XXX LLC to the Borrowers dated prior to consummation. Condition cleared. | 02/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.29% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 59.29% is less than Guideline LTV of 80% D A C |
| &nbsp;&nbsp;&nbsp;119 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FCRE5116 | Credit | Missing<br>VOM or<br>VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Mortgage on subject property with XXX was opened XX/XX/XXXX and modified XXX/XXX/XXX. Lender to provide the following: - Payment history reports only XXX months of payment history, Lender to provide a credit supplement verifying additional payment history - Lender to provide a copy of the executed Modification (see title commitment referencing modification) | Please see attached \| | 01/28/2026 | Lender to provide a credit supplement and a copy of the executed Modification. Condition cleared. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 02/06/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.29% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 59.29% is less than Guideline LTV of 80% D A |
| &nbsp;&nbsp;&nbsp;119 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FCRE7805 | Credit | Missing<br>Income —<br>Bank<br>Statements | The mortgage with XXX Bank secured by XXX XXX is reported on the borrower's credit report as a XXX debt and included in the borrower's XXXship Returns, in order to exclude the debt the following is required by Freddie Mac: - The Mortgage file contains evidence that the debt has been paid timely by the Borrower's business for no less than the most recent XXX months | Please see attached. It appears that we do not need evidence that the borrower's business makes the payments. | 02/05/2026 | Review of XXX/XXX 1065s indicates property XXX XXX is a business obligation, as reflected on Schedule L under 'Loans from XXXs' — Mortgages. | 02/06/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.29% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 59.29% is less than Guideline LTV of 80% D A |

---

------

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;119 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or<br>HOA fees<br>for non-<br>subject<br>property | Lender to provide HOA fee documents for XXX XXX. | Previously provided | 12/02/2025 | Lender provided HOA fees for XXX. Condition cleared. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.29% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 59.29% is less than Guideline LTV of 80% D A |
| &nbsp;&nbsp;&nbsp;119 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level XXX discrepancies — condition cleared; HMDA Data Tape Provided. | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.29% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 59.29% is less than Guideline LTV of 80% D A C |
| &nbsp;&nbsp;&nbsp;298 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCOM1225 | Credit | XXX<br>Rider is<br>Missing | XXX Rider is Missing | XXX Rider | 02/03/2026 | Lender provided the signed XXX rider. Condition cleared. | 02/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;298 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/20/2025 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing | Affiliated Business | 02/03/2026 | Lender provided an attestation on company letterhead of no Affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material Finding | 02/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A B |
| &nbsp;&nbsp;&nbsp;298 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/25/2025 | Resolved | FCRE3604 | Credit | HMDA<br>Discrepancy(s)<br>Noted | The following HMDA Discrepancy(s) have been noted: | Subject property is 2nd Home. Please review uploaded ; NonDEL \| ULI — XXX \| \| AUS/XXX — XXX \| Conflicting documents — Secondary / primary \| No XXX Rider" \| | 01/16/2026 | Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Material; Lender provided valid ULI; however, did not provide documentation to verify subject property is a 2nd home. The 1003 reflects subject as a XXX and AUS shows as a 2nd home. Condition retained.; Material Finding; HMDA discrepancy noted: Audit ULI is missing. Also, audit XXX is XXX and lenders is XXX. Lender may clear finding by providing documentation to support their value.; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Lender agrees with audit findings. Loan is a 2nd home. Condition cleared. ; Material; Lender provided valid ULI; however, did not provide documentation to verify subject property is a 2nd home. The 1003 reflects subject as a XXX and AUS shows as a 2nd home. Condition retained.; Material Finding; HMDA discrepancy noted: Audit ULI is missing. Also, audit XXX is XXX and lenders is XXX. Lender may clear finding by providing documentation to support their value.; Material Finding | 01/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A B |
| &nbsp;&nbsp;&nbsp;298 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 11/21/2025 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — additional discrepancy finding added.; HMDA Data Tape Provided. | 01/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A C B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;122 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/07/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data<br>Tape Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply.; HMDA tape provided, no discrepancies noted condition cleared. | 02/11/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% D A C |
| &nbsp;&nbsp;&nbsp;122 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/07/2026 | Resolved | FCRE1316 | Credit | Borrower<br>1 3rd<br>Party<br>VOE<br>Prior to<br>Close<br>Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing third party proof of business: XXX | VOE | 01/16/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Lender provided the third party verification for XXX. Condition cleared. ; Lender provided the third party verification for XXX. Condition cleared. | 02/11/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% D A |
| &nbsp;&nbsp;&nbsp;122 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/07/2026 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided Rerun AUS to show borrower self XXX and to show income document requirements. DU approval doesn't have anything in the employment/income section for required documents. Complete review of updated DU approval will be required. Additional conditions may apply. | DU #XXX reflects XXX | 01/16/2026 | Lender provided the AUS showing self XXX income documentation requirements. Condition cleared. ; AUS is not incomplete | 02/11/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% D A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;122 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/07/2026 | Resolved | FCRE1437 | Credit | Income and<br>Employment<br>Do Not<br>Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines Lender to provide CPA letter and/or supporting documentation that the mortgages, notes, bonds that are appearing on Schedule L of XXX business returns are renewable in order to not deduct this amount from the income calculations. Additional conditions may apply. | If we add the MNB back the income will be negative for XXX, which is the majority of the income. The borrower does not qualify on the XXX income alone. The fannie guidelines State it can be excluded if there's evidence it rolls over, which the two years of Sch L show: \| \| https://selling-guide anniemae om/sel/b3-XXX-XXX/analyzing-returns-s-corporation \| \| Adjustments to Business Cash Flow \| Items that can be added back to the business cash flow include depreciation, depletion, amortization, casualty losses, and other losses that are not consistent and recurring. \| \| The following items should be subtracted from the business cash flow: \| \| travel and meals exclusion, \| other reported income that is not consistent and recurring, and \| the total amount of obligations on mortgages, notes, or bonds that are payable in less than one year. \| \| These adjustments are not required for lines of credit or if there is evidence that these obligations roll over regularly and/or the business has sufficient liquid assets to cover them.; XXX ended XXX with XXX notes due and payable so nothing needed there. \| \| XXX: XXX and XXX both show beginning and ending year balances in notes due and payable. It is reasonable to believe that these are recurring expenses since they have continued through two tax years. | 01/21/2026 | Upon further review, the past two years there has been a beginning and end balance, therefore, it is reasonable that the note is going to continue to roll over, which meets FNMA's requirements. Condition cleared. ; Income and Employment Meet Guidelines; Audit reviewed the lender's response. Need CPA letter re: mortgages XXX yr on tax returns in order to omit for XXX. Condition retained. | 02/11/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% D A C |
| &nbsp;&nbsp;&nbsp;122 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/07/2026 | Resolved | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or HOA<br>fees for non-<br>subject<br>property | Missing HOA or letter from the borrower stating no HOA for the property at XXX XXX. | XXX indicates HOA dues are XXX per quarter ($XXX per month). Given the DTI is only XXX% could you please review the uploaded property profile? Thank you | 02/10/2026 | ; Document Uploaded. ; Provide a signed and dated Statement confirming that XXX XXX has no HOA dues. | 02/11/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% D A |
| &nbsp;&nbsp;&nbsp;123 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/07/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply.; HMDA tape provided, no discrepancies noted condition cleared. | 02/11/2026 | Borrower has stable job time — Borrower has XXX years on job. D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;123 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/07/2026 | Resolved | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or<br>HOA fees<br>for non-<br>subject<br>property | Missing proof of HOA or letter from borrower stating no HOA for the property at XXX XXX. | Please review the uploaded property profile. Thank you ; I XXXd the property and it appears to be an older, established home in an area where HOA dues are unlikely. | 02/10/2026 | Document Uploaded. ; ; Provide a signed and dated Statement confirming that XXX XXX has no HOA dues.; Audit reviewed the lender's response. XXX/XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements, or Appraisal. Additional conditions may apply. | 02/11/2026 | Borrower has stable job time — Borrower has XXX years on job. D A |
| &nbsp;&nbsp;&nbsp;299 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/15/2026 | Resolved | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing The ABA is not evident. Please provide proof of delivery and receipt within XXX business days of XXX. | Affiliated Business Disclosure | 01/27/2026 | Required Affiliated Business Disclosure Documentation Provided; Material | 02/06/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A B |
| &nbsp;&nbsp;&nbsp;299 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/20/2026 | Resolved | FCRE3606 | Credit | HMDA<br>Data Tape<br>Not<br>Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA received — no level XXX discrepancies — condition cleared ; HMDA Data Tape Provided. | 02/06/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;299 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 01/20/2026 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not Provided<br>or Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). An acknowledgement of receipt dated at consummation was provided without a XXX-day waiver present. | The tracking provided evidences the date the appraisal was provided to the borrower. That is all that is required. The appraisal was sent electronically to the borrower on XX/XX/XXXX and the tracking evidences the appraisal & ROV being sent. The appraisal delivery confirmation needed is a request however the lender is not required to obtain anything further. Borrower also Wet Signed at closing that they confirm their receipt of the appraisal at least XXX business days prior to close.; Evidence of Appraisal Delivery | 02/05/2026 | Evidence of appraisal delivery provided.; Evidence of appraisal delivery provided -> Review of screen shot supports delivery of appraisal on XX/XX/XXXX to B1.; Received copy of screen shot which indicates the Appraisal Delivery Confirmation is 'Needed'. Provide documentation to support borrower(s) received a copy of the appraisal report, as required to meet regulatory compliance standards.; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)).; Material | 02/06/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A B |
| &nbsp;&nbsp;&nbsp;303 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 02/11/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not Provided<br>or Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The document in file indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation since they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely |  |  | Acknowledged, accepting 2/B grading. | 04/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.82% is less than Guideline LTV of 89% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.82% is less than Guideline CLTV of 89% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |
| &nbsp;&nbsp;&nbsp;303 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 02/10/2026 | Resolved | FCRE1437 | Credit | Income and<br>Employment<br>Do Not<br>Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines Borrower 1 most recent paystub has a pay date of XX/XX/XXXX and although the pay period ended on XX/XX/XXXX the YTD earnings if for XXX Loan file contain XXX W2s. An additional paystub should have been obtained for Borrower 1 evidencing XXX year end total earnings. AUS required a paystub and W2 from prior year. XXX earnings is not documented in the loan file. | Per DU the Leave and Earning Statement should suffice as it is a standard Verification of Employment; Document Uploaded. Provided in original upload | 03/11/2026 | Income and Employment Meet Guidelines; Client States: Per DU the Leave and Earning Statement should suffice as it is a standard Verification of Employment. DU is requiring Paystub and W-2 which has been provided. LM Updated. | 03/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.82% is less than Guideline LTV of 89% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.82% is less than Guideline CLTV of 89% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;303 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 02/10/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/11/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 68.82% is less than Guideline LTV of 89% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.82% is less than Guideline CLTV of 89% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |
| &nbsp;&nbsp;&nbsp;126 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 02/16/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | TILA 130b Cure required: Cure of XXX required for addition of appraisal re-inspection fee. COC did not provide clear detail as to why fee was required. Cure requires PCCD, LOE, copy of refund check, and proof of mailing, or valid COC. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 02/26/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 03/01/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. C A |
| &nbsp;&nbsp;&nbsp;126 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 02/13/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;126 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 02/13/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. C A |
| &nbsp;&nbsp;&nbsp;132 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 02/23/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/25/2026 | Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;132 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 02/23/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 02/25/2026 | Borrower has stable job time — Borrower has XXX years on job. A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;132 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 02/25/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/25/2026 | Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;306 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/04/2026 | Acknowledged | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Acknowledged, accepting 2/B grading. | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. D B A |
| &nbsp;&nbsp;&nbsp;306 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/04/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  |  | Acknowledged, accepting 2/B grading. | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. D B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;306 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/02/2026 | Resolved | FCRE1316 | Credit | Borrower<br>1 3rd<br>Party<br>VOE<br>Prior to<br>Close<br>Missing | Borrower 1 3rd Party VOE Prior to Close Missing U/W note: "3rd Party VOE Prior to Close Missing":3rd Party Written VOE (Work Number or equivalent) prior to close is required per investor guidelines to confirm continued active employment. Lender to ensure updated VOE is obtained and placed in file prior to closing. | Document Uploaded. VOE in file dated XXX/XXX/XXX. XXXd XX/XX/XXXX | 03/10/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided; VVOE provided | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. D B A |
| &nbsp;&nbsp;&nbsp;306 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/03/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/06/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. D B A |
| &nbsp;&nbsp;&nbsp;133 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/04/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/06/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;133 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/04/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/06/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;133 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/05/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/06/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;129 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/09/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $939800is due to increase from XXX to XXX for Discount Points on the CD issued XX/XX/XXXX without a valid reason. | Document Uploaded. | 03/18/2026 | valid COC provided; exception resolved; valid COC provided; exception resolved | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;129 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/05/2026 | Resolved | FCRE1316 | Credit | Borrower<br>1 3rd<br>Party<br>VOE<br>Prior to<br>Close<br>Missing | Borrower 1 3rd Party VOE Prior to Close Missing The VOE is missing, there is an email | Document Uploaded. | 03/12/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Client provided VVOE for B1 dated XXX/XXX/XXX. LM Updated. | 03/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D A C |
| &nbsp;&nbsp;&nbsp;129 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/05/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D A C |
| &nbsp;&nbsp;&nbsp;135 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/06/2026 | Resolved | finding-<br>3526 | Compliance | Revised<br>Loan<br>Estimate<br>Delivery<br>Date<br>Test<br>(prior to<br>consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he crXXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the crXXX delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XXX/XXX/XXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation | Document Uploaded. | 03/18/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 03/19/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;135 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/05/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/09/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% C A |
| &nbsp;&nbsp;&nbsp;135 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/05/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/09/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% C A |
| &nbsp;&nbsp;&nbsp;144 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/05/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.42% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 79.42% is less than Guideline LTV of 89.99% \| Borrower has stable job time A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;144 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/05/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.42% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 79.42% is less than Guideline LTV of 89.99% \| Borrower has stable job time A |
| &nbsp;&nbsp;&nbsp;144 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/06/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.42% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 79.42% is less than Guideline LTV of 89.99% \| Borrower has stable job time A |
| &nbsp;&nbsp;&nbsp;300 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/06/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $ XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Points — Loan Discount Fee without a COC. | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 05/14/2026 | Valid COC provided — exception resolved; Please confirm the COC that is accurate, both have the same information but dated differently ; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; COC provided for review was dated XX/XX/XXXX and final CD issued XXX/XXX/XXX. COC is considered invalid since it was issued after the final CD. Exception retained | 05/18/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;300 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/14/2026 | Rescinded | finding-<br>3545 | Compliance | Revised<br>Closing<br>Disclosure<br>Delivery Date<br>and Changed<br>Circumstances<br>Date Test | This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) — (C), (E), (F), and (D) as amended in XXX 12 CFR §1026.19(e)(4)(i) he revised closing disclosure delivery date is either:Later than the third business day (counting days on which the crXXX's offices are open to the public for carrying on substantially all of its business functions) after the crXXX receives information sufficient to establish that a changed circumstance has occurred; orBefore the crXXX receives information sufficient to establish that a changed circumstance has occurred his calculation takes into account a user-submitted designation of the days that the crXXX's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict f a crXXX uses a revised estimate for the purpose of determining good faith for the zero tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the crXXX shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f)(XXX), lender credits, and any other interest |  |  |  | 05/18/2026 | C B A |

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| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** | **Initial<br>Overall<br>Loan<br>Grade** | **Final<br>Overall<br>Loan<br>Grade** | **Initial<br>Exception<br>Grade** | **Final<br>Exception<br>Grade** | **Initial<br>Credit<br>Grade** | **Final<br>Credit<br>Grade** | **Initial<br>Property<br>Valuation<br>Grade** | **Final<br>Property<br>Valuation<br>Grade** | **Initial<br>Compliance<br>Grade** | **Final<br>Compliance<br>Grade** | **Initial<br>Overall<br>Grade<br>(DBRS/<br>Morningstar)** | **Initial Credit<br>Grade<br>(DBRS/<br>Morningstar)** | **Initial<br>Property<br>Valuation<br>Grade<br>(DBRS/<br>Morningstar)** | **Initial<br>Compliance<br>Grade<br>(DBRS/<br>Morningstar)** | **Initial<br>Overall<br>Grade<br>(Fitch)** | **Initial<br>Credit<br>Grade<br>(Fitch)** | **Initial<br>Property<br>Valuation<br>Grade<br>(Fitch)** | **Initial<br>Compliance<br>Grade<br>(Fitch)** | **Initial<br>Overall<br>Grade<br>(Kroll)** | **Initial<br>Credit<br>Grade<br>(Kroll)** | **Initial<br>Property<br>Valuation<br>Grade<br>(Kroll)** | **Initial<br>Compliance<br>Grade<br>(Kroll)** | **Initial<br>Overall<br>Grade<br>(Moodys)** | **Initial<br>Credit<br>Grade<br>(Moodys)** | **Initial<br>Property<br>Valuation<br>Grade<br>(Moodys)** | **Initial<br>Compliance<br>Grade<br>(Moodys)** | **Initial<br>Overall<br>Grade<br>(S&P)** | **Initial<br>Credit<br>Grade<br>(S&P)** | **Initial<br>Property<br>Valuation<br>Grade<br>(S&P)** | **Initial<br>Compliance<br>Grade<br>(S&P)** | **Final Overall<br>Grade<br>(DBRS/<br>Morningstar)** | **Final Credit<br>Grade<br>(DBRS/<br>Morningstar)** | **Final<br>Property<br>Grade<br>(DBRS/<br>Morningstar)** | **Final<br>Compliance<br>Grade<br>(DBRS/<br>Morningstar)** | **Final<br>Overall<br>Grade<br>(Fitch)** | **Final<br>Credit<br>Grade<br>(Fitch)** | **Final<br>Property<br>Grade<br>(Fitch)** | **Final<br>Compliance<br>Grade<br>(Fitch)** | **Final<br>Overall<br>Grade<br>(Kroll)** | **Final<br>Credit<br>Grade<br>(Kroll)** | **Final<br>Property<br>Grade<br>(Kroll)** | **Final<br>Compliance<br>Grade<br>(Kroll)** | **Final<br>Overall<br>Grade<br>(Moodys)** | **Final<br>Credit<br>Grade<br>(Moodys)** | **Final<br>Property<br>Grade<br>(Moodys)** | **Final<br>Compliance<br>Grade<br>(Moodys)** | **Final<br>Overall<br>Grade<br>(S&P)** | **Final<br>Credit<br>Grade<br>(S&P)** | **Final<br>Property<br>Grade<br>(S&P)** | **Final<br>Compliance<br>Grade<br>(S&P)** |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  | rate dependent charges and terms fficial Interpretations12 C. §1026.19(e)(4)(ii elationship to disclosures required under §1026.19(f)(1)(i) evised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a crXXX from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i) owever, if a crXXX uses a revised estimate pursuant to § XXX(e)(XXX)(iv) for the purpose of determining good faith under § XXX(e)(XXX)(i) and (ii), § XXX(e)(XXX)(i) permits the crXXX to provide the revised estimate in the disclosures required under § XXX(f)(XXX)(i) (including any corrected disclosures provided under § XXX(f)(XXX)(i) or (ii)). This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) — (C), (E), (F), and (D) as amended in XXX 12 CFR §1026.19(e)(4)(i) he revised closing disclosure delivery date is either:Later than the third business day (counting days on which the crXXX's offices are open to the public for carrying on substantially all of its business functions) after the crXXX receives information sufficient to establish that a changed circumstance has occurred; orBefore the crXXX receives information sufficient to establish that a changed circumstance has occurred his calculation takes into account a user-submitted designation of the days that the crXXX's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  | company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict f a crXXX uses a revised estimate for the purpose of determining good faith for the zero tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the crXXX shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f)(XXX), lender credits, and any other interest rate dependent charges and terms fficial Interpretations12 C. §1026.19(e)(4)(ii elationship to disclosures required under §1026.19(f)(1)(i) evised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a crXXX from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i) owever, if a crXXX uses a revised estimate pursuant to § XXX(e)(XXX)(iv) for the purpose of determining good faith under § XXX(e)(XXX)(i) and (ii), § XXX(e)(XXX)(i) permits the crXXX to provide the revised estimate in the disclosures required under § XXX(f)(XXX)(i) (including any corrected disclosures provided under § XXX(f)(XXX)(i) or (ii)). NA, COC provided is invalid and countered the XXX tolernace violation exception. NA, COC provided is invalid and countered the XXX tolernace violation exception. |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;300 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/06/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date of XXX/XXX/XXX. |  |  | Acknowledged, accepting 2/B grading. | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |
| &nbsp;&nbsp;&nbsp;300 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/06/2026 | Resolved | FCRE1482 | Credit | Asset 4 Does<br>Not Meet<br>Guideline<br>Requirements | Asset 4 Does Not Meet Guideline Requirements XXX account ending XXX listed at XXX on the Final 1003 was not available at the time of review, borrower has insufficient funds for reserves. | Document Uploaded. | 03/12/2026 | Client re-uploaded all assets documents. Account totals corrected. LM Updated. ; Asset 4 Meets Guideline Requirements Or Not Applicable | 03/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;300 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/06/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/09/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |
| &nbsp;&nbsp;&nbsp;156 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading. | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |
| &nbsp;&nbsp;&nbsp;156 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the discount fee. A COC or lock confirmation with date is required to clear the exception. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 03/20/2026 | Valid COC received — exception resolved; Valid COC received — exception resolved | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;156 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |
| &nbsp;&nbsp;&nbsp;156 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |
| &nbsp;&nbsp;&nbsp;250 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/11/2026 | Resolved | finding-<br>3652 | Compliance | Lender<br>Credits<br>That<br>Cannot<br>Decrease<br>Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX without a COC. | Document Uploaded. | 03/24/2026 | Valid COC provided — exception resolved; Valid COC provided — exception resolved | 03/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;250 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or<br>HOA fees<br>for non-<br>subject<br>property | Please provide documentation to support housing expense XXX for REO XXX XXX drive as listed on the application. | Document Uploaded. Taxes & HOI = XXX | 03/18/2026 | Client provided Property Detail Report and Evidence of Insurance. Mortgage Statement in file reflects taxes and insurance escrowed. LM Updated. | 03/20/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% D A C |
| &nbsp;&nbsp;&nbsp;250 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% D A C |
| &nbsp;&nbsp;&nbsp;253 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Rescinded | FCRE5116 | Credit | Missing<br>VOM or<br>VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. No Verification of rent found in loan file. | Per the AUS Jumbo Product Profile, rent must be verified only if the subject is a XXX, Investment Property or there is a Non-Occupant Borrower. In this case the subject is a XXX. | 03/23/2026 | Not required on XXX. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Per the AUS Jumbo Product Profile, rent must be verified only if the subject is a XXX, Investment Property or there is a Non-Occupant Borrower. In this case the subject is a XXX. LM Updated. | 05/07/2026 | D A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;253 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FCRE1201 | Credit | Third Party<br>Fraud<br>Report not<br>Provided | Missing Third Party Fraud Report Missing Fraud Report | Document Uploaded. | 03/20/2026 | Third Party Fraud Report is provided; Client provided Third Party Fraud report dated XX/XX/XXXX reflecting Pass/Cleared. LM Updated. | 03/23/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D A |
| &nbsp;&nbsp;&nbsp;253 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FCRE1206 | Credit | All<br>Interested<br>Parties Not<br>Checked<br>with<br>Exclusionary<br>Lists | All Interested Parties Not Checked with Exclusionary Lists. Missing Fraud Report | Document Uploaded. | 03/20/2026 | All Interested Parties Checked against Exclusionary Lists; Client provided HUD ov and SAM ov Exclusionary Lists reflecting All Interested Parties Checked. LM Updated. | 03/23/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D A C |
| &nbsp;&nbsp;&nbsp;253 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FCRE1205 | Credit | OFAC<br>Check Not<br>Completed<br>and/or<br>Cleared | OFAC Check Not Completed and/or Cleared Missing Fraud Report | Document Uploaded. | 03/20/2026 | OFAC Check Completed and Cleared; Client provided OFAC Sanctions List Search for all interested parties. LM Updated. | 03/23/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;253 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D A |
| &nbsp;&nbsp;&nbsp;253 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/11/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D A |
| &nbsp;&nbsp;&nbsp;281 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | finding-<br>3635 | Compliance | Charges<br>That In<br>Total<br>Cannot<br>Increase<br>More Than<br>XXX%<br>Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the crXXX or an affiliate of the crXXX; and(C) The crXXX permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the recording fee. The COC dated XX/XX/XXXX does not State what title services were required. Please provide a more detailed explanation to determine if this was a valid change. | Document Uploaded. ; Document Uploaded. ; Recording Fee increased from XXX on the initial LE dated XXX/XXX/XXX, to XXX charged on the final CD dated XXX/XXX/XXX. XXX% tolerance violation of $XXX. The COC in file dated XX/XX/XXXX does not State what title services were required. Please provide a more detailed explanation to determine if this was a valid change. Exception remains.; Recording fees are subjecto to XXX% tolerance LE disclosed recording fees at XXX and increased with a final charge of XXX + XXX% = XXX allowable minus XXX charged = XXX Where is the amount of XXX coming from? All fees in Section C are shopped and not subject to tolerance | 03/27/2026 | Received corrected PCCD — exception resolved; This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the crXXX or an affiliate of the crXXX; and(C) The crXXX permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | 03/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 45.45% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 45.45% is less than Guideline CLTV of 89.99% D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;281 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/25/2026 | Rescinded | finding-<br>3719 | Compliance | TILA Post-<br>Consummation<br>Revised<br>Closing<br>Disclosure<br>Finance<br>Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX Exception fired in error — exception rescinded Exception fired in error — exception rescinded |  |  | Client States: The increased balance and payment was identified through our pre-funding Transunion Gap Report process. If an undisclosed liability is identified it is added to the 1003 and included in the DTI. This process runs in the background and populates in the system. | 03/25/2026 | D A C |
| &nbsp;&nbsp;&nbsp;281 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FCRE7495 | Credit | Verification of<br>Borrower<br>Liabilities<br>Missing or<br>Incomplete | The Final 1003 shows the tradeline XXX/XXX with a balance and payment of $XXX/$XXX, while the available credit report shows the same tradeline with a balance and payment of $XXX/$XXX. | The increased balance and payment was identified through our pre-funding Transunion Gap Report process. If an undisclosed liability is identified it is added to the 1003 and included in the DTI. This process runs in the background and populates in the system. | 03/23/2026 |  | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 45.45% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 45.45% is less than Guideline CLTV of 89.99% D A C |
| &nbsp;&nbsp;&nbsp;281 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | finding-<br>3634 | Compliance | Charges That<br>Cannot<br>Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee on LE XXX/XXX/XXX. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 03/20/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 45.45% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 45.45% is less than Guideline CLTV of 89.99% D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;281 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>XXX%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The FNMA and FHLMC UCDP reports are missing from the file and a third party valuation was not provided, as required per the TPO AUS Jumbo guidelines. | Document Uploaded. LCA XXX/ CU XXX | 03/17/2026 | Third party valuation product provided within tolerance.; UCDP provided, TPV not required. | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 45.45% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 45.45% is less than Guideline CLTV of 89.99% D A C |
| &nbsp;&nbsp;&nbsp;284 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date of XXX/XXX/XXX. |  |  | Acknowledged, accepting 2/B grading. | 04/08/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.27% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 71.27% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% C B A |
| &nbsp;&nbsp;&nbsp;284 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>XXX%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product missing on file | Document Uploaded. ; Document Uploaded. XXX full appraisals completed | 03/26/2026 | Third party valuation product provided within tolerance.; Client provided XXX HVE. LM Updated.; Received a copy of the appraisal that was in the original file and another expired appraisal dated XXX. Provide Third Party Valuation within tolerance. | 03/27/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.27% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 71.27% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;284 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FCRE0377 | Credit | The Total<br>Hazard<br>Coverage<br>is LESS<br>than the<br>Required<br>Coverage<br>Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard Insurance coverage of XXX is less than required coverage required Please provide a hazard insurance declarations page with the dwelling coverage A of at least XXX replacement cost or similar endorsement, or with guaranteed replacement cost verbiage. | Document Uploaded. XXX determined the estimated replacement cost of XXX which is on the policy provided. I re-uploaded it and it can be found on page XXX of the upload | 03/19/2026 | Received XXX Estimated cost to replace home. Exception Resolved. | 03/19/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 71.27% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 71.27% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% C B A |
| &nbsp;&nbsp;&nbsp;285 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading. | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.08% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 76.08% is less than Guideline LTV of 89.99% C B A |
| &nbsp;&nbsp;&nbsp;285 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | finding-<br>3532 | Compliance | Initial<br>Closing<br>Disclosure<br>Delivery<br>Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed XXX/XXX/XXX. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XXX/XXX/XXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe crXXX shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Document Uploaded. | 03/20/2026 | Initial CD received — exception resolved; Initial CD received — exception resolved | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.08% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 76.08% is less than Guideline LTV of 89.99% C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;285 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.08% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 76.08% is less than Guideline LTV of 89.99% C B A |
| &nbsp;&nbsp;&nbsp;286 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not Provided<br>or Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading. | 04/08/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B A C |
| &nbsp;&nbsp;&nbsp;286 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FCRE1437 | Credit | Income and<br>Employment<br>Do Not<br>Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines borrower XXX, where lender — used Schedule C income of XXX does not align with our verified XXX — month average of $XXX. the missing XXX & XXX tax returns required by guideline. | Document Uploaded. | 03/23/2026 | Income and Employment Meet Guidelines; Client provided the Borrower 1XXX for XXX Income calculation was updated. LM Updated. | 03/25/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;286 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the title insurance fee. ($XXX reimbursement was applied). The fee is an affiliate so it's testing as XXX% tolerance. | Document Uploaded. | 03/20/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 03/23/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B C A |
| &nbsp;&nbsp;&nbsp;286 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FCRE7496 | Credit | Missing<br>Verification<br>of Subject<br>Property<br>Taxes,<br>Insurance,<br>HOA or<br>Other<br>Payments | The XXX Transmittal Summary reflects the borrower is responsible for a XXX in monthly HOA Dues on the subject property, However, missing verification of HOA Dues. | Document Uploaded. | 03/20/2026 | Client provided HOA history for XXX at XXX reflecting XXX per month assessment. LM Updated. | 03/23/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B A C |
| &nbsp;&nbsp;&nbsp;286 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;301 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Acknowledged | FCOM9186 | Compliance | eSigned<br>Documents<br>Consent is<br>Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XXX/XXX/XXX, however missing proof of e-consent dated XX/XX/XXXX or before. |  |  | Acknowledged, accepting 2/B grading. | 04/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.87% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 60.87% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B A |
| &nbsp;&nbsp;&nbsp;301 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FCRE1201 | Credit | Third<br>Party<br>Fraud<br>Report not<br>Provided | Missing Third Party Fraud Report Fraud Report is Missing | Document Uploaded. | 03/26/2026 | Third Party Fraud Report is provided; Client provided United One Fraud Report. LM Updated. | 03/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.87% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 60.87% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B A |
| &nbsp;&nbsp;&nbsp;301 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.87% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 60.87% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;147 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/11/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | TILA 130b Cure required: Cure of XXX required for increase in discount points. COC provided does not detail what changes occurred causing the change. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 03/20/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 03/23/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A |
| &nbsp;&nbsp;&nbsp;147 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A |
| &nbsp;&nbsp;&nbsp;147 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/11/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;153 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading. | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% C B A |
| &nbsp;&nbsp;&nbsp;153 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Cured | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Credit Report Fee. | Document Uploaded. | 03/20/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% C B A |
| &nbsp;&nbsp;&nbsp;153 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/11/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;153 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/11/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% C B A |
| &nbsp;&nbsp;&nbsp;154 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/11/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Discount Points. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 03/20/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 03/23/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% C A |
| &nbsp;&nbsp;&nbsp;154 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% C A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;154 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% C A |
| &nbsp;&nbsp;&nbsp;282 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/11/2026 | Cured | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to an increase from XXX to XXX for the appraisal fee. A COC was provided with non-descript reasoning for the increase. | Document Uploaded. | 03/27/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 03/30/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.89% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 78.89% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D B C A |
| &nbsp;&nbsp;&nbsp;282 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/12/2026 | Resolved | FPRO0936 | Property | UCDP<br>Summary<br>Report is<br>Missing | UCDP Summary Report is Missing | Document Uploaded. | 03/17/2026 | ; UCDP provided | 03/18/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.89% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 78.89% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D B A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;282 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.89% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 78.89% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D B A C |
| &nbsp;&nbsp;&nbsp;143 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/12/2026 | Resolved | finding-<br>3652 | Compliance | Lender<br>Credits<br>That<br>Cannot<br>Decrease<br>Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. The COC XX/XX/XXXX wasn't accepted because it didn't provide a valid reason for the change. | Document Uploaded. | 03/20/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 03/23/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% C A |
| &nbsp;&nbsp;&nbsp;143 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;143 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/12/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% C A |
| &nbsp;&nbsp;&nbsp;150 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;150 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;150 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/12/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;307 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/11/2026 | Rescinded | FCRE5116 | Credit | Missing<br>VOM or<br>VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Rent (VOR) document missing per lender guidelines. | LP is not requiring a VOR/VOM | 03/19/2026 | Not required on XXX. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client States: LP is not requiring a VOR/VOM. | 05/07/2026 | B A |
| &nbsp;&nbsp;&nbsp;307 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/12/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Appraisal delivery is not evident in the file. Please provide proof of delivery and receipt at least XXX business days prior to consummation. |  |  | Acknowledged, accepting 2/B grading. | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;307 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/12/2026 | Acknowledged | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing The ABA is not evident. Please provide proof of delivery and receipt within XXX business days of XXX. |  |  | Acknowledged, accepting 2/B grading. | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. B A |
| &nbsp;&nbsp;&nbsp;307 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. B A |
| &nbsp;&nbsp;&nbsp;311 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Rescinded | FCRE5116 | Credit | Missing<br>VOM or<br>VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per XXX guidelines, a Verification of Mortgage (VOM) or Verification of Rent (VOR) is required to document the borrower's housing payment history. The loan file is currently missing this documentation. Please provide a XXX-month VOM or VOR from the current housing provider to satisfy this condition prior to purchase. | Invalid Per the AUS Jumbo Product Profile, rent must be verified only if the subject is a XXX, Investment Property or there is a Non-Occupant Borrower. | 03/24/2026 | Not required on XXX. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client States: Invalid Per the AUS Jumbo Product Profile, rent must be verified only if the subject is a XXX, Investment Property or there is a Non-Occupant Borrower. LM Updated. | 05/07/2026 | B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;311 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/13/2026 | Acknowledged | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing |  |  | Acknowledged, accepting 2/B grading. | 04/08/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| &nbsp;&nbsp;&nbsp;311 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/14/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| &nbsp;&nbsp;&nbsp;136 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/12/2026 | Acknowledged | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>XXX%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. TPV is not within scope | Per JUMBO Product Profile = XXX or XXX Home Value Estimator (HVE) AVM with an estimated value that is > XXX% of the appraised value and FSD <_ XXX%; Document Uploaded. | 03/24/2026 | Acknowledged, accepting 2/B grading; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM supports value. ; Client Re-Uploaded XXX HVE. FSD score XXX% Third Party Valuation Product Not Provided or Not Provided Within Tolerance. ; Client provided XXX HVE. LM Updated. | 04/08/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.91% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 61.91% is less than Guideline LTV of 89.99% C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;136 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/12/2026 | Resolved | finding-47 | Compliance | TILA<br>Right of<br>Rescission<br>Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The disbursement date of XX/XX/XXXX is less than XXX business days from the consummation date of XXX/XXX/XXX. Please provide a PCCD and or final settlement Statement to verify loan disbursement date. | Document Uploaded. | 03/24/2026 | PCCD with updated disbursement date; exception resolved; PCCD with updated disbursement date; exception resolved | 03/25/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.91% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 61.91% is less than Guideline LTV of 89.99% C B A |
| &nbsp;&nbsp;&nbsp;136 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/12/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/14/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 61.91% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 61.91% is less than Guideline LTV of 89.99% C B A |
| &nbsp;&nbsp;&nbsp;142 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/12/2026 | Resolved | FCRE9995 | Credit | Audited<br>Reserves<br>are less<br>than<br>Guideline<br>Required<br>Reserves<br>(Dollar<br>Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. As per the GL aggregate of > 1MIL for additional properties, the reserve requirements are not met with XXX investment properties at XXX mos each total of XXX mos reserves are short XXX | The calculation for Jumbo reserves for additional financed properties > $1M is based on XXX months of the total PITIA of all the properties. Total of each of the additional properties PITIA = XXX \*XXX = XXX + XXX months PITIA for the subject reserves XXX = XXX total reserves required. What it appears they are doing is multiplying the PITIA for each additional property \*XXX then \*XXX saying we need XXX months reserves. This is incorrect. It's the combined PITIA that is multiplied by XXX | 03/25/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; The calculation for Jumbo reserves for additional financed properties > $1M is based on XXX months of the total PITIA of all the properties. Total of each of the additional properties PITIA = XXX \*XXX = XXX + XXX months PITIA for the subject reserves XXX = XXX total reserves required. What it appears they are doing is multiplying the PITIA for each additional property \*XXX then \*XXX saying we need XXX months reserves. This is incorrect. It's the combined PITIA that is multiplied by XXX Updated LM. | 03/26/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;142 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/12/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C A |
| &nbsp;&nbsp;&nbsp;142 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/12/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C A |
| &nbsp;&nbsp;&nbsp;165 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/12/2026 | Resolved | FCRE1248 | Credit | Purchase is<br>not<br>considered<br>to be an<br>Arm's<br>Length<br>Transaction | Purchase is not considered to be an Arm's Length Transaction Purchase is non-arm's length per appraiser. Purchase contract is not in file but both escrow instructions and title indicate seller has same Last Name as borrowers. | Document Uploaded. FSBO Agreement provided in original upload | 03/19/2026 | Purchase is considered to be an Arm's Length Transaction, or Not Applicable; Client provided FSBO Agreement. LM Updated. | 03/20/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.93% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 69.93% is less than Guideline LTV of 89.99% D A C |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;165 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/14/2026 | Resolved | FCRE1241 | Credit | Purchase<br>Contract is<br>Missing | XXX is Purchase but Purchase Contract Doc is Missing | Document Uploaded. Document Uploaded. FSBO Agreement provided in original upload | 03/19/2026 | Purchase Contract Doc is not Missing, or is Not Applicable.; Client provided FSBO Agreement. LM Updated. | 03/20/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.93% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 69.93% is less than Guideline LTV of 89.99% D A |
| &nbsp;&nbsp;&nbsp;165 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/12/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/14/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.93% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 69.93% is less than Guideline LTV of 89.99% D A |
| &nbsp;&nbsp;&nbsp;165 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/12/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/14/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.93% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 69.93% is less than Guideline LTV of 89.99% D A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;249 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/12/2026 | Acknowledged | FCOM3813 | Credit | Purchase<br>Contract<br>does not<br>Match<br>Final CD | The final CD does not reflect the correct sales price when compared to the Purchase Contract. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(vii) Reduced the sales price on the Property page from $1,XXX to XXX which was the XXX difference between the XXX in Seller Credits and XXX in Closing Costs. | The Sales Price was not reduced and matches the Purchase Contract. This is an invalid finding. IPC's allowed for this loan is XXX so there was no need to reduce anything. | 03/19/2026 | Acknowledged, accepting 2/B grading; The Sales Price was not reduced and matches the Purchase Contract. This is an invalid finding. IPC's allowed for this loan is XXX so there was no need to reduce anything. | 04/08/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% C B A |
| &nbsp;&nbsp;&nbsp;249 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/12/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/14/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% C B A |
| &nbsp;&nbsp;&nbsp;249 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/12/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/14/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% C B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;305 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/16/2026 | Rescinded | FCOM1851 | Compliance | Incorrect<br>rescission<br>model<br>used —<br>RTC<br>form<br>model H-<br>XXX<br>used for<br>Same<br>Lender or<br>Lender<br>Affiliate<br>XXX | Incorrect rescission model used — RTC form model H8 (New CrXXX) used for Same Lender or Lender Affiliate XXX The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) crXXX (-new advance of money with the same crXXX). Model H-XXX was provided; because the property is located in XXX, model H-XXX should have been used. | Document Uploaded. | 03/25/2026 | No new money distributed; exception resolved | 03/25/2026 | A |
| &nbsp;&nbsp;&nbsp;305 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/16/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| &nbsp;&nbsp;&nbsp;305 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/16/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;128 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/17/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the appraisal fee. The COC dated XX/XX/XXXX wasn't accepted because it does not provide a valid reason for the increase. | Document Uploaded. | 03/27/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 03/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 43.96% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 43.96% is less than Guideline LTV of 80% \| Borrower has stable job time — Borrower has XXX years on job. C A |
| &nbsp;&nbsp;&nbsp;128 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/17/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 43.96% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 43.96% is less than Guideline LTV of 80% \| Borrower has stable job time — Borrower has XXX years on job. C A |
| &nbsp;&nbsp;&nbsp;128 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/17/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 43.96% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 43.96% is less than Guideline LTV of 80% \| Borrower has stable job time — Borrower has XXX years on job. C A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;155 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/18/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;155 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;155 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/18/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;167 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/18/2026 | Resolved | FCRE1358 | Credit | Borrower 2<br>W2/1099<br>Missing | Borrower 2 W2/1099 Missing. Please provide XXX w2 for Borrower 2 employer (XXX) | Document Uploaded. Provided in original upload | 03/24/2026 | Borrower 2 W2/XXX Provided or Not Applicable (Number of Borrowers equals XXX); Client provided XXX W-2 for XXX for B2. LM Updated. | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 45.56% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 45.56% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. D A |
| &nbsp;&nbsp;&nbsp;167 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 45.56% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 45.56% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. D A |
| &nbsp;&nbsp;&nbsp;167 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/18/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 45.56% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 45.56% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. D A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;302 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/18/2026 | Acknowledged | FCOM5556 | Compliance | Missing<br>Credit<br>Score<br>Disclosure<br>(FACTA) | Missing Credit Score Disclosure (FACTA). Documentation required to clear exception: Please provide the FACT Act Disclosure. |  |  | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading | 04/08/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| &nbsp;&nbsp;&nbsp;302 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/18/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/19/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| &nbsp;&nbsp;&nbsp;302 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/19/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;131 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/19/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/23/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;131 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/19/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/23/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;131 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/19/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/23/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 60% is less than Guideline LTV of 89.99% A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;138 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/19/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading | 04/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 62.35% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.35% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| &nbsp;&nbsp;&nbsp;138 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/19/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/23/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 62.35% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.35% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| &nbsp;&nbsp;&nbsp;138 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/19/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/23/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 62.35% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.35% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;148 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/19/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation Required to clear exception, Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to closing is required, but missing from the file. If borrower waived the XXX days timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close |  |  | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.44% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.44% is less than Guideline LTV of 89.99% B A |
| &nbsp;&nbsp;&nbsp;148 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/19/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.44% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.44% is less than Guideline LTV of 89.99% B A |
| &nbsp;&nbsp;&nbsp;148 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/19/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.44% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.44% is less than Guideline LTV of 89.99% B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;168 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/19/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/23/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.17% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.17% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;168 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/23/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.17% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.17% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;168 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/23/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 67.17% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.17% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;252 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/20/2026 | Acknowledged | FCRE1148 | Credit | Title<br>Coverage is<br>Less than<br>Subject<br>Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX The loan closed with a loan amount of XXX The title reflects coverage of XXX which is not sufficient. |  |  | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading | 04/08/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.62% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.62% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| &nbsp;&nbsp;&nbsp;252 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/19/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/23/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.62% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.62% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| &nbsp;&nbsp;&nbsp;252 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/20/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/23/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 64.62% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.62% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;254 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/19/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/23/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;254 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/19/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/23/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;254 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/23/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;261 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/19/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;261 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/19/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;261 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/20/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;312 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/20/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| &nbsp;&nbsp;&nbsp;312 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/19/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| &nbsp;&nbsp;&nbsp;312 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/19/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;319 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/20/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading | 04/08/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| &nbsp;&nbsp;&nbsp;319 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/20/2026 | Acknowledged | FCRE1182 | Credit | Approval/<br>Underwriting<br>Summary<br>Not Provided | Missing Approval/Underwriting Summary. (XXX missing) |  |  | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading | 04/08/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| &nbsp;&nbsp;&nbsp;319 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/20/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/23/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;169 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/20/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/24/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 77.77% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.77% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;169 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/20/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/24/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 77.77% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.77% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;169 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/24/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 77.77% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.77% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;260 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/20/2026 | Resolved | FPRO1500 | Property | HOA<br>Questionnaire<br>is Missing | HOA Questionnaire Missing Subject has a XXX which is Contracted and Maintained by the HOA. Will need to provide proof of Contract | If it is maintained by the HOA, why do we need to see the contract? | 03/27/2026 | Client States: If it is maintained by the HOA, why do we need to see the contract? PUD per Appraisal. LM Updated.; HOA Questionnaire Provided | 03/30/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.47% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 76.47% is less than Guideline LTV of 90% \| Borrower has stable job time — Borrower has XXX years on job. D A |
| &nbsp;&nbsp;&nbsp;260 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/20/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/24/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.47% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 76.47% is less than Guideline LTV of 90% \| Borrower has stable job time — Borrower has XXX years on job. D A |
| &nbsp;&nbsp;&nbsp;260 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/20/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/24/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.47% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 76.47% is less than Guideline LTV of 90% \| Borrower has stable job time — Borrower has XXX years on job. D A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;139 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75.13% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75.13% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;139 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75.13% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75.13% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;139 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75.13% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75.13% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;140 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/25/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading | 04/08/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 65.96% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.96% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. B A |
| &nbsp;&nbsp;&nbsp;140 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 65.96% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.96% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. B A |
| &nbsp;&nbsp;&nbsp;140 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 65.96% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.96% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;158 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/25/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.48% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 77.48% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;158 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/25/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/25/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.48% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 77.48% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;158 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/25/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/25/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.48% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 77.48% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;159 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/25/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. The appraisal was reused, however, evidence of appraisal delivery receipt is still required. |  |  | Acknowledged, accepting 2/B grading; Acknowledged, accepting 2/B grading | 04/08/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.52% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 79.52% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| &nbsp;&nbsp;&nbsp;159 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/25/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.52% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 79.52% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| &nbsp;&nbsp;&nbsp;159 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/25/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.52% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 79.52% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;161 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.81% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.81% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;161 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 03/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.81% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.81% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;161 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 58.81% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.81% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;170 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/25/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.99% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 65.99% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;170 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/25/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.99% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 65.99% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;170 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/24/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/25/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65.99% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 65.99% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;172 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 03/25/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;172 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/25/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;172 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/25/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/25/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;248 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.43% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.43% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;248 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.43% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.43% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;248 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/24/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/25/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.43% is less than Guideline LTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.43% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;259 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/25/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.66% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 77.66% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;259 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/23/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/25/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.66% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 77.66% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;259 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 03/24/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/25/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 77.66% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 77.66% is less than Guideline LTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;289 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/13/2026 | Cured | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount is due to increase from XXX to XXX for the Discount Points. Per Compliance Report, XX/XX/XXXX Loan Estimate and corresponding COC is missing. COC dated XX/XX/XXXX is outside of three day timing requirement for redisclosed CD issued XXX/XXX/XXX. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. A valid COC dated XX/XX/XXXX is for the increase in loan points from XXX to XXX therefore the remaining cure required is XXX minus XXX = XXX — refund of XXX was provided; Document Uploaded. ; Document Uploaded. | 05/11/2026 | Revised LE/COC provided, Cure package provided for remaining XXX to borrower within XXX days of discovery. Exception downgraded to 2/B.; Tolerance violation requires a Refund in the amount of XXX due to increase from XXX to XXX for the Discount Points. Cure provided is for $XXX. Please provide clarification on difference in amounts or provide remaining cure of $XXX. In addition per the compliance report there is an LE missing from the loan file. Please provide LE dated XX/XX/XXXX as a COC has been provided (dated XXX/XXX/XXX) and it may clear the exception. ; COC provided is dated XXX/XXX/XXX, there is no corresponding LE in file. Per compliance report there was an LE dated XX/XX/XXXX which is missing from loan file. | 05/11/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |
| &nbsp;&nbsp;&nbsp;289 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/13/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading | 04/16/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |
| &nbsp;&nbsp;&nbsp;289 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/13/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;310 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/15/2026 | Cured | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $.XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the transfer taxes on the Final CD dated XXX/XXX/XXX. Lender did provide a reimbursement of XXX however the reimbursement was not enough to cure the failure. | Document Uploaded. ; Document Uploaded. | 05/13/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. ; Cure package requires a PCCD, LOE, and Copy of Refund Check. Please provide the PCCD. | 05/13/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.12% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 62.12% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% C B A |
| &nbsp;&nbsp;&nbsp;310 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/16/2026 | Acknowledged | FCRE9785 | Credit | Purchase<br>Contract is<br>Incomplete | XXX is Purchase but Purchase Contract Doc is Incomplete The final Closing Disclosure (CD) reflects a seller credit of XXX that is not reflected on the purchase contract. An addendum reflecting the credit is required. |  |  | Acknowledged, accepting 2/B grading | 04/17/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.12% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 62.12% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% C B A |
| &nbsp;&nbsp;&nbsp;310 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/15/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading | 04/17/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.12% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 62.12% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% C B A |

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| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;310 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/16/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/16/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.12% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 62.12% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% C B A |
| &nbsp;&nbsp;&nbsp;315 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/17/2026 | Resolved | finding-<br>3652 | Compliance | Lender<br>Credits<br>That<br>Cannot<br>Decrease<br>Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit decreased on the CD issued XX/XX/XXXX without a valid reason. | Document Uploaded. ; Document Uploaded. | 05/12/2026 | Valid COC provided — exception resolved; Documentation provided was already in file the cure of XXX was already applied. The initial LE shows lender credits of XXX and all the CDs show a lender credit amount of XXX there was a cure amount of XXX but that was applied to the apprasal fee and cannot be considered part of the lender cred | 05/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 63.18% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.18% is less than Guideline CLTV of 75% C A |
| &nbsp;&nbsp;&nbsp;315 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/20/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational; ; Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 63.18% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.18% is less than Guideline CLTV of 75% C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;315 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/20/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational; ; Informational | 04/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 63.18% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.18% is less than Guideline CLTV of 75% C A |
| &nbsp;&nbsp;&nbsp;321 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/21/2026 | Resolved | FCRE6843 | Credit | Asset<br>General | Provide verification of receipt of Gift Funds for XXX and XXX to the title company | Document Uploaded. | 04/28/2026 | Per Audit Review — Actual Gift amounts of XXX and XXX came from donor — XXXX. Unable to give credit to borrower for $XK initial deposit due to it is combined with XXX gift funds for EMD. | 04/29/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C A |
| &nbsp;&nbsp;&nbsp;321 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;321 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/21/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C A |
| &nbsp;&nbsp;&nbsp;181 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/21/2026 | Cured | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the transfer taxes. A partial credit of XXX was given at consummation; however, it was insufficient. | Document Uploaded. | 05/21/2026 | cure package provided, exception downgraded to a 2/B; cure package provided, exception downgraded to a 2/B | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 30.55% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 30.55% is less than Guideline CLTV of 89.99% C B A |
| &nbsp;&nbsp;&nbsp;181 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/21/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/22/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 30.55% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 30.55% is less than Guideline CLTV of 89.99% C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;181 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/22/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 30.55% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 30.55% is less than Guideline CLTV of 89.99% C B A |
| &nbsp;&nbsp;&nbsp;182 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/22/2026 | Cured | finding-651 | Compliance | TILA<br>Finance<br>Charge<br>Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery and reopen rescission. The HOA Certification Handling Fee was not included in finance charge calculations. | Document Uploaded. | 05/14/2026 | Cure package provided to borrower within XXX days of discovery. ; This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX | 05/20/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.06% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 72.06% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of XXX% C B A |
| &nbsp;&nbsp;&nbsp;182 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/21/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.06% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 72.06% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of XXX% C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;182 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/21/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/22/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 72.06% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 72.06% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of % is less than Guideline DTI of XXX% C B A |
| &nbsp;&nbsp;&nbsp;325 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/23/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/24/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.86% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.86% is less than Guideline CLTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;325 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/23/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 04/24/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.86% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.86% is less than Guideline CLTV of 89.99% A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;325 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/23/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/24/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 57.86% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 57.86% is less than Guideline CLTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;330 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/23/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/24/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% B A |
| &nbsp;&nbsp;&nbsp;330 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/23/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/24/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;330 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/23/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading | 04/24/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% B A |
| &nbsp;&nbsp;&nbsp;320 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/24/2026 | Cured | FCOM1276 | Compliance | Escrow<br>Waiver is<br>Not<br>Executed | Escrow Waiver is Not Executed Documentation required- Provide PCCD with a box checked in the escrow account section on page XXX indicating whether the Borrower declined the escrow account or the Lender does not offer one. Cure package requires a PCCD, LOE, and proof of delivery. | Document Uploaded. | 05/06/2026 | Cure package provided to the borrower | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |
| &nbsp;&nbsp;&nbsp;320 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/23/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/24/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;320 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/23/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/24/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |
| &nbsp;&nbsp;&nbsp;320 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/24/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading | 04/24/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |
| &nbsp;&nbsp;&nbsp;178 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/23/2026 | Resolved | FCOM1206 | Credit | The Note<br>is<br>Missing | The Note is Missing. Please provide the Note. | Document Uploaded. ; Document Uploaded. | 05/04/2026 | Documentation provided is sufficient. Exception resolved.; The Note is Present.; The Note is Missing. | 05/05/2026 | Borrower has stable job time — Borrower has XXX years on job. D B A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;178 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/24/2026 | Resolved | FPRO9990 | Property | Third<br>Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>XXX%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation was provided | Document Uploaded. | 05/04/2026 | Documentation provided is sufficient. Exception resolved; Third party valuation product provided within tolerance. | 05/05/2026 | Borrower has stable job time — Borrower has XXX years on job. D B C A |
| &nbsp;&nbsp;&nbsp;178 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/24/2026 | Resolved | FCRE6843 | Credit | Asset<br>General | Provide proof of the XXX gift from XXX XXX XXXXX bank account using one of the following options: copies of bank Statements from both the donor and the Borrower's accounts, a copy of a canceled gift check or a copy of a donor's withdrawal slip and the Borrower's deposit slip. | Document Uploaded. The bank Statement provided is for the borrower, shows the deposit and the wire details contains the donors details. | 05/04/2026 | Documentation provided is sufficient. Exception resolved | 05/05/2026 | Borrower has stable job time — Borrower has XXX years on job. D B C A |
| &nbsp;&nbsp;&nbsp;178 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/23/2026 | Resolved | FCOM1220 | Credit | The Deed<br>of Trust is<br>Missing | The Deed of Trust is Missing The Deed of Trust is Missing | Document Uploaded. | 04/28/2026 | Lender provided the signed/notarized Deed of Trust. ; The Deed of Trust is Present | 04/29/2026 | Borrower has stable job time — Borrower has XXX years on job. D B A C |
| &nbsp;&nbsp;&nbsp;178 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/24/2026 | Resolved | FCOM1678 | Compliance | Collateral<br>Protection<br>Act, 815<br>Ill. Comp.<br>Stat.<br>180/1 et<br>seq. —<br>Collateral<br>Protection<br>Notice<br>was not<br>provided | Collateral Protection Act, 815 Ill. Comp. Stat. 180/1 et seq. — Collateral Protection Notice was not provided Documentation required to clear exception: Please provide the Collateral Protection Notice. | Document Uploaded. | 04/28/2026 | Collateral Protection Act, 815 Ill. Comp. Stat. 180/1 et seq. — Collateral Protection Notice was provided | 04/29/2026 | Borrower has stable job time — Borrower has XXX years on job. D B C A |
| &nbsp;&nbsp;&nbsp;178 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/24/2026 | Acknowledged | FCOM1621 | Compliance | Missing<br>Initial<br>Escrow<br>Disclosure | Initial Escrow Account Disclosure is Missing Documentation required to clear exception: Please provide the Initial Escrow Account Disclosure. |  |  | Acknowledged, accepting 2/B grading | 04/28/2026 | Borrower has stable job time — Borrower has XXX years on job. D B A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;160 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Resolved | finding-<br>3652 | Compliance | Lender<br>Credits<br>That<br>Cannot<br>Decrease<br>Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the CD dated XXX/XXX/XXX. | Document Uploaded. | 05/09/2026 | Valid COC provided; exception resolved ; Valid COC provided; exception resolved | 05/11/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A C |
| &nbsp;&nbsp;&nbsp;160 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/24/2026 | Resolved | FCRE1201 | Credit | Third<br>Party<br>Fraud<br>Report<br>not<br>Provided | Missing Third Party Fraud Report | Document Uploaded. Provided in original submission | 05/05/2026 | Third Party Fraud Report is provided | 05/06/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A C |
| &nbsp;&nbsp;&nbsp;160 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/27/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/29/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A C |
| &nbsp;&nbsp;&nbsp;184 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/27/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/29/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.33% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.33% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;184 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/27/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 04/29/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.33% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.33% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;184 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/27/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/29/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.33% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.33% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;185 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/27/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 78.49% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.49% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;185 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/27/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 78.49% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.49% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;185 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/27/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/29/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 78.49% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.49% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;188 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/27/2026 | Resolved | FCOM3813 | Credit | Purchase<br>Contract<br>does not<br>Match<br>Final CD | The final CD does not reflect the correct sales price when compared to the Purchase Contract. Truth in Lending Act (Regulation Z) 12 CFR XXX(a)(XXX)(vii) | IPC violation was not noted in your original finding which creates delays in getting things cleared. In fact the rejection to our rebuttal is completely different than what was originally cited. You calculations for borrowers XXX in incorrect. Line J = XXX + K09 XXX = XXX. There is no violation. ; Document Uploaded. Both Contract and CDs say XXX No issues | 05/05/2026 | The sales price on the Purchase Contract and Final CD match.; Per Final CD/AUS — The seller credit of XXX is greater than the closing costs XXX ($XXX difference) The XXX difference caused the loan to exceed the maximum allowed LTV, requiring the loan amount to also be reduced by XXX resulting in an LTV of 80.10%, which does not match the AUS of XXX%. | 05/06/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C A |
| &nbsp;&nbsp;&nbsp;188 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/27/2026 | Rescinded | FCRE1188 | Credit | Audited<br>CLTV<br>Exceeds<br>AUS<br>CLTV | Audited CLTV of 80.1% exceeds AUS CLTV of 80% LTV is higher due to the seller paids exceeding the closing costs and being deducted from the purchase price. |  |  | ; Audited CLTV of 80.1% is less than or equal to AUS CLTV of 80.1% | 04/29/2026 | C A |
| &nbsp;&nbsp;&nbsp;188 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/27/2026 | Rescinded | FCRE1189 | Credit | Audited<br>HCLTV<br>Exceeds<br>AUS<br>HCLTV | Audited HCLTV of 80.1% exceeds AUS HCLTV of 80% LTV is higher due to the seller paids exceeding the closing costs and being deducted from the purchase price. |  |  | ; Audited HCLTV of 80.1% is less than or equal to AUS HCLTV of 80.1% | 04/29/2026 | C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;188 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/27/2026 | Rescinded | FCRE1187 | Credit | Audited<br>LTV<br>Exceeds<br>AUS LTV | Audited LTV of 80.1% exceeds AUS CLTV of 80% LTV is higher due to the seller paids exceeding the closing costs and being deducted from the purchase price. |  |  | ; Audited LTV of 80.1% is less than or equal to AUS CLTV of 80.1% | 04/29/2026 | C A |
| &nbsp;&nbsp;&nbsp;188 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/27/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C A |
| &nbsp;&nbsp;&nbsp;188 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C A |
| &nbsp;&nbsp;&nbsp;265 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/27/2026 | Resolved | finding-<br>3526 | Compliance | Revised<br>Loan<br>Estimate<br>Delivery<br>Date Test<br>(prior to<br>consummation) | Without evidence of receipt, it is assumed that the disclosure dated XXX/XXX/XXX was mailed, and therefore not received by the consumer prior to the consummation date, XXX/XXX/XXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he crXXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the crXXX delivers or places such version in the mail. | Document Uploaded. ; Document Uploaded. | 05/13/2026 | LE receipt date provided — exception resolved; LE receipt date provided — exception resolved; Document provided doesnt show the borrowers viewed the LE, it shows "authenticated" but that doesnt confirm if the borrower opened it or signed it | 05/14/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;265 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/27/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading | 04/29/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |
| &nbsp;&nbsp;&nbsp;265 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/29/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |
| &nbsp;&nbsp;&nbsp;265 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/29/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |
| &nbsp;&nbsp;&nbsp;171 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.84% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.84% is less than Guideline LTV of 89.99% A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;171 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.84% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.84% is less than Guideline LTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;171 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.84% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.84% is less than Guideline LTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;192 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FCRE1363 | Credit | Borrower 2<br>WVOE<br>Missing | Borrower 2 WVOE Missing "XXX XXXXX was OFF WORK on XXX from XXX XXX during the period of XX/XX/XXXX to XX/XX/XXXX and she returned to work at the department on XXX/XXX/XXX. I am not able to to calculate the earning for B2 that the lender is claiming. Even though the borrower was on leave the XXX(XXX) W2 doesn't reflect the XXX monthly income. Did the borrower received an increase in pay etc. A WVOE is need for B2. Also for the OT, I only have up to XX/XX/XXXX for year XXX." | Document Uploaded. | 05/11/2026 | WVOE for B2 received. Condition Cleared. | 05/12/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% D A |
| &nbsp;&nbsp;&nbsp;192 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/29/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% D A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;192 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/29/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% D A |
| &nbsp;&nbsp;&nbsp;197 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Rescinded | FCRE1440 | Credit | Housing<br>History Does<br>Not Meet<br>Guideline<br>Requirements | Housing History Does Not Meet Guideline Requirements | The exception titled "Missing VOM or VOR" has been cleared. Can this finding be cleared as well? Thanks! | 05/11/2026 |  |  | A |
| &nbsp;&nbsp;&nbsp;197 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Rescinded | FCRE5116 | Credit | Missing<br>VOM or<br>VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Rental history not documented. |  |  | Rescinded, not required on PR transactions | 05/07/2026 | A |
| &nbsp;&nbsp;&nbsp;197 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;197 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| &nbsp;&nbsp;&nbsp;197 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Rescinded | FCRE1332 | Credit | Borrower 1<br>Paystubs<br>Less Than<br>XXX<br>Month<br>Provided | Borrower 1 Paystubs Less Than XXX Month Provided. Borrowers start date is XXX/XXX/XXX. |  |  | ; Borrower 1 Paystubs Less Than XXX Month Provided Condition Resolved | 04/29/2026 | A |
| &nbsp;&nbsp;&nbsp;199 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FVAL2477 | Property | Appraisal<br>incomplete<br>(missing<br>map,<br>layout,<br>pages, etc.) | On the Flood Certificate the NFIP Community Panel Number is XXX. On the appraisal, it reflects FEMA Map No. as XXXXX. Lender did not update to the correct Map number. | Document Uploaded. | 05/15/2026 | Documentation is sufficient. Explanation provided is acceptable. Exception resolved. | 05/18/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;199 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Rescinded | FCRE5116 | Credit | Missing<br>VOM or<br>VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Verification of Rent (VOR) |  |  | Rescinded, not required on PR transactions | 05/07/2026 | C A |
| &nbsp;&nbsp;&nbsp;199 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% C A |
| &nbsp;&nbsp;&nbsp;222 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FCRE9814 | Credit | Missing<br>Trust<br>Agreement | Missing Trust Agreement The Trust Agreement has not been attested to by the Notary Public. Document is not acceptable. | Document Uploaded. | 05/11/2026 | Documentation is sufficient. Trust cert provided. Exception resolved.; Trust Agreement Meets Guideline Requirements | 05/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% D A C |
| &nbsp;&nbsp;&nbsp;222 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Resolved | finding-<br>3532 | Compliance | Initial<br>Closing<br>Disclosure<br>Delivery<br>Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe crXXX shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Without evidence of receipt, it is assumed that the disclosure dated XXX/XXX/XXX was mailed, and therefore not received by the consumer prior to the consummation date, XXX/XXX/XXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. | Document Uploaded. | 05/09/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 05/11/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;222 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/29/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 80% D A C |
| &nbsp;&nbsp;&nbsp;264 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/30/2026 | Rescinded | FCRE1480 | Credit | Asset 2 Does<br>Not Meet<br>Guideline<br>Requirements | Asset Record XXX Does Not Meet G/L Requirements. | Document Uploaded. Please provide additional information. What assets are you missing? | 05/11/2026 | Auditor Response: Invalid Condition. Finding Rescinded. ; Asset Record XXX Meets G/L Requirements Or Not Applicable. | 05/12/2026 | C A |
| &nbsp;&nbsp;&nbsp;264 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/30/2026 | Rescinded | FCRE1479 | Credit | Asset 1 Does<br>Not Meet<br>Guideline<br>Requirements | Asset Record XXX Does Not Meet G/L Requirements. | Document Uploaded. Please provide additional information. What assets are you missing? | 05/11/2026 | Auditor Response: Invalid Condition. Finding Rescinded. ; Asset Record XXX Meets G/L Requirements | 05/12/2026 | C A |
| &nbsp;&nbsp;&nbsp;264 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Rescinded | FCRE1476 | Credit | Asset 10<br>Missing | Asset 10 Missing. | Document Uploaded. Please provide additional information. What assets are you missing? | 05/11/2026 | Auditor Response: Invalid condition. Rescinded; Asset 10 Provided Or Not Applicable | 05/12/2026 | C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;264 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/30/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | TILA 130b Cure required: Cure of XXX required for addition of Transfer Taxes. COC provided insufficient. Cure requires PCCD, LOE, copy of refund check, and proof of mailing or valid COC. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 05/11/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 05/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% C A |
| &nbsp;&nbsp;&nbsp;264 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70% is less than Guideline LTV of 89.99% C A |
| &nbsp;&nbsp;&nbsp;269 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Cured | finding-651 | Compliance | TILA<br>Finance<br>Charge<br>Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. The fees included in the finance charge calculation include: Admin Fee, underwriting Fee lood Cert, HOA cert, MERS fee, Tax service fee, 3rd party fee, courier fee, Electronic doc fee, Settlement fee, Tie in fee, notary fee, recording service fee, sub-escrow fee, wire fee, prepaid interest. Post closing mavent shows cured required as well. | Document Uploaded. | 05/14/2026 | Cure package provided to borrower within XXX days of discovery. Exception downgraded to 2/B. | 05/18/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |
| &nbsp;&nbsp;&nbsp;269 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Resolved | finding-<br>3652 | Compliance | Lender<br>Credits<br>That<br>Cannot<br>Decrease<br>Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XX/XX/XXXX on the XX/XX/XXXX initial Cd without a valid COC. | Document Uploaded. | 05/09/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 05/11/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;269 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Rescinded | FCRE5116 | Credit | Missing<br>VOM or<br>VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Verification of Rent (VOR) |  |  | Rescinded, not required on PR transactions | 05/07/2026 | C B A |
| &nbsp;&nbsp;&nbsp;269 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/29/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |
| &nbsp;&nbsp;&nbsp;316 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Resolved | finding-<br>3652 | Compliance | Lender<br>Credits<br>That<br>Cannot<br>Decrease<br>Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the XX/XX/XXXX CD without a valid COC. | Document Uploaded. Lender is stating it is not a lender credit but a lender paid closing cost per their first rebuttal. | 05/15/2026 | Lender provided response and Lender Paid Mortgage Tax was reduced and acceptable. Exception resolved.; Lender provided response and Lender Paid Mortgage Tax was reduced and acceptable. Exception resolved. | 05/18/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A |
| &nbsp;&nbsp;&nbsp;316 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Rescinded | FCRE5116 | Credit | Missing<br>VOM or<br>VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The Final 1003 indicates that the borrower is currently renting their XXX. PCG guidelines dated XX/XX/XXXX require the current housing expense to be documented with six months canceled checks or equivalent payment source; six months bank Statements reflecting a clear and consistent payment to an organization or individual; direct verification of rent from a management company or individual landlord, supported by two months cancelled checks; or a copy of a current, fully executed lease agreement and two months canceled checks (or equivalent payment source) supporting the rental payment amount. |  |  | Rescinded, not required on PR transactions | 05/07/2026 | C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;316 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/29/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C A |
| &nbsp;&nbsp;&nbsp;331 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Rescinded | finding-<br>3532 | Compliance | Initial<br>Closing<br>Disclosure<br>Delivery<br>Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe crXXX shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Without evidence of receipt, it is assumed that the disclosure dated XXX/XXX/XXX was mailed, and therefore not received by the consumer prior to the consummation date, XXX/XXX/XXX. The violation can be cured by providing proof of delivery/receipt of Initial CD at least XXX days prior to closing. | Not Valid ICD with receipt of delivery provided during Initial Review. Uploaded | 05/14/2026 | Receipt date of ICD provided in original loan docs, pg XXX — exception rescinded ; Receipt date of ICD provided in original loan docs, pg XXX — exception rescinded | 05/15/2026 | D B C A |
| &nbsp;&nbsp;&nbsp;331 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Resolved | FCRE1330 | Credit | Borrower<br>1<br>Paystubs<br>Missing | Borrower 1 Paystubs Missing. The most recent paystub must be dated no earlier than XXX days prior to the initial loan XXX and it must include all year-to-date earnings. Additionally, the most recent paystub must include sufficient information to appropriately calculate income; otherwise, additional documentation must be obtained. WVOE in file does not contain B1's current earnings. | Document Uploaded. | 05/13/2026 | Documentation is sufficient. WVOE in file and explanation provided. Exception resolved.; Borrower 1 Paystubs Provided. | 05/14/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A C |
| &nbsp;&nbsp;&nbsp;331 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Rescinded | FCRE1193 | Credit | Audited<br>DTI<br>Exceeds<br>Guideline<br>DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% AUS Findings: Approve/Ineligible Maximum DTI of XXX% with an AUS approve/accept is eligible for the following: o Fixed rate only o XXX o Maximum LTV/CLTV 80.00% o Maximum loan amount XXX • Scenarios not meeting the above criteria have a maximum DTI of XXX% with an AUS approve/accept | You're overinterpreting the profile. We indicate Approve (DU) / Accept (LP), at no point do we say it has to be Approve/Eligible or Accept/Eligible. Jumbo loans are not eligible due to loan amounts above limits. Both AUS types evaluate two entirely different components of the application: the borrower's risk profile and the loan's guideline eligibility. Being within Conv loan limits — is not a requisite for DTI going to XXX% LTV is 80%, it's a XXX, and loan amount is < $2MM — this loan is eligible for DTI up to XXX% | 05/08/2026 | Explanation provided is valid. Exception rescinded.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX% | 05/11/2026 | D B A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;331 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Rescinded | FCRE2800 | Credit | Verified<br>Liquid<br>Assets<br>Insufficient<br>For<br>Closing | Verified Liquid Assets are insufficient for closing in the amount of $-XXX. |  |  | Explanation provided is sufficient as UW did not include IRA in reserves. Exception rescinded.; Verified Liquid Assets are sufficient for closing. | 05/11/2026 | D B A C |
| &nbsp;&nbsp;&nbsp;331 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Rescinded | FCRE1198 | Credit | Audited<br>Reserves<br>are less<br>than<br>Guideline<br>Required<br>Reserves<br>(Number<br>of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Total Reserve Amount Shortage -$XXX. Large Deposit XXX deducted from asset #XXX total asset XXX | Document Uploaded. Please see attached Asset Worksheet. We also backed out the large deposit of XXX and there are sufficient funds for reserves. | 05/08/2026 | Explanation provided is sufficient as UW did not include IRA in reserves. Exception rescinded.; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 05/11/2026 | D B A C |
| &nbsp;&nbsp;&nbsp;331 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Rescinded | FCRE9995 | Credit | Audited<br>Reserves<br>are less<br>than<br>Guideline<br>Required<br>Reserves<br>(Dollar<br>Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Total Reserve Amount Shortage -$XXX. Large Deposit XXX deducted from asset #XXX total asset XXX | Document Uploaded. Please see attached Asset Worksheet. We also backed out the large deposit of XXX and there are sufficient funds for reserves. | 05/08/2026 | Explanation provided is sufficient as UW did not include IRA in reserves. Exception rescinded.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 05/11/2026 | D B A C |
| &nbsp;&nbsp;&nbsp;331 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided<br>or Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading | 04/30/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;331 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/28/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/29/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A C |
| &nbsp;&nbsp;&nbsp;175 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Rescinded | FCRE7496 | Credit | Missing<br>Verification<br>of Subject<br>Property<br>Taxes,<br>Insurance,<br>HOA or<br>Other<br>Payments | Appraisal show HOA XXX per monthnth but lender used XXX per monthnth supporting document is missing therefore Using HOA from the final CD as it's more conservative and aligns with the lender's PITIA payment for the subject property instead of the HOA amount on the Appraisal. The Final CD shows estimated Taxes, Insurance & Assessments of XXX minus XXX for taxes & HOI, resulting in an HOA amount of XXX | I acknowledge the reviewer's comments. However, since we are using the higher of two verified amounts, I don't see the risk. It's safe to believe the title company obtained documentation of the HOA dues which is why they collected money. | 05/11/2026 | Lender used higher HOA dues conservatively rather than what was documented and verified. Condition rescinded. | 05/12/2026 | A |
| &nbsp;&nbsp;&nbsp;175 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Rescinded | FCRE5116 | Credit | Missing<br>VOM or<br>VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The borrower is currently residing in a rental property for one years, but the rent payment history and VOR are missing. |  |  | Rescinded, not required on PR transactions | 05/07/2026 | A |
| &nbsp;&nbsp;&nbsp;175 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;175 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;211 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Rescinded | FCRE1437 | Credit | Income and<br>Employment<br>Do Not<br>Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines XXX Network XXX-S & Schedule K-XXX Statement is missing for XXX | Document Uploaded. | 05/12/2026 | Secondary business first established XX/XX/XXXX per 1120S on page XXX therefore, XXX taxes were not filed. Per FNMA Selling Guide, less than XXX years but greater than XXX year for a business may be used if the most recent signed XXX and business returns reflected a full XXX months of income from the current business and that documentation is in file. Borrower has a XXX year of being Self XXX. Condition rescinded. | 05/13/2026 | A |
| &nbsp;&nbsp;&nbsp;211 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;211 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;288 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | finding-<br>3634 | Compliance | Charges That<br>Cannot<br>Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The zero tolerance violation in the amount of XXX is due to increase of the discount points fee from XXX to XXX on the LE dated XX/XX/XXXX without valid COC. | Document Uploaded. | 05/11/2026 | Missing revised LE and valid COC provided — exception resolved; Missing revised LE and valid COC provided — exception resolved | 05/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B C A |
| &nbsp;&nbsp;&nbsp;288 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FCRE0386 | Credit | Borrower 1<br>Photo<br>Identification<br>not provided | Borrower 1 Photo Identification not provided. Borrower 1 Photo Identification not provided. | Document Uploaded. | 05/11/2026 | Documentation provided is sufficient. Exception resolved.; Photo Identification provided. | 05/11/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A C |
| &nbsp;&nbsp;&nbsp;288 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grade | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A C |
| &nbsp;&nbsp;&nbsp;288 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Acknowledged | FCOM1621 | Compliance | Missing<br>Initial<br>Escrow<br>Disclosure | Initial Escrow Account Disclosure is Missing Documentation required to clear exception: Please provide the Initial Escrow Account Disclosure. |  |  | Acknowledged, accepting 2/B grade | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;288 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/30/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D B A C |
| &nbsp;&nbsp;&nbsp;323 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FCOM1233 | Credit | The Final<br>1003 is<br>Incomplete | The Final 1003 is Incomplete. Income not given in Final 1003. | Document Uploaded. | 05/18/2026 | The Final 1003 is Present; Income now listed on Final 1003 dated XX/XX/XXXX | 06/02/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 89.99% D B A |
| &nbsp;&nbsp;&nbsp;323 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/30/2026 | Resolved | FCRE1467 | Credit | Asset 1<br>Missing | Asset 1 Missing. The asset is noted in LM, it is proceeds from the sale of a home. | Document Uploaded. | 05/13/2026 | Asset 1 Provided; Client provided Settlement Statement for the Sale of XXX XXX. LM Updated. | 05/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 89.99% D B A |
| &nbsp;&nbsp;&nbsp;323 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/30/2026 | Acknowledged | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Acknowledged, accepting 2/B grade | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 89.99% D B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;323 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/30/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 65% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 65% is less than Guideline LTV of 89.99% D B A |
| &nbsp;&nbsp;&nbsp;336 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/30/2026 | Resolved | finding-<br>3545 | Compliance | Revised<br>Closing<br>Disclosure<br>Delivery Date<br>and Changed<br>Circumstances<br>Date Test | This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) — (C), (E), (F), and (D) as amended in XXX 12 CFR §1026.19(e)(4)(i) he revised closing disclosure delivery date is either:Later than the third business day (counting days on which the crXXX's offices are open to the public for carrying on substantially all of its business functions) after the crXXX receives information sufficient to establish that a changed circumstance has occurred; orBefore the crXXX receives information sufficient to establish that a changed circumstance has occurred his calculation takes into account a user-submitted designation of the days that the crXXX's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, XXX calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict f a crXXX uses a revised estimate for the purpose of determining good faith for the zero tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the crXXX shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f)(XXX), lender credits, and any other interest rate dependent charges and terms fficial Interpretations12 C. §1026.19(e)(4)(ii elationship to disclosures required | Document Uploaded. | 05/14/2026 | Valid COC provided — exception resolved; Valid COC provided — exception resolved | 05/15/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.15% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 78.15% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  | under §1026.19(f)(1)(i) evised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a crXXX from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i) owever, if a crXXX uses a revised estimate pursuant to § XXX(e)(XXX)(iv) for the purpose of determining good faith under § XXX(e)(XXX)(i) and (ii), § XXX(e)(XXX)(i) permits the crXXX to provide the revised estimate in the disclosures required under § XXX(f)(XXX)(i) (including any corrected disclosures provided under § XXX(f)(XXX)(i) or (ii)). This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv). The issue date of the CD is XX/XX/XXXX and it was received by the borrower on XXX/XXX/XXX. The COC for the change XXXd with this CD is dated XXX/XXX/XXX. |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;336 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/30/2026 | Resolved | finding-<br>3652 | Compliance | Lender<br>Credits<br>That<br>Cannot<br>Decrease<br>Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to $XXX. The COC for the lender credit decrease is dated XXX/XXX/XXX, but the final CD is dated XXX/XXX/XXX. |  |  | Valid COC provided — exception resolved; Valid COC provided — exception resolved | 05/15/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.15% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 78.15% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |
| &nbsp;&nbsp;&nbsp;336 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  |  | Acknowledged, accepting 2/B grade | 04/30/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.15% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 78.15% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;336 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/30/2026 | Acknowledged | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Acknowledged, accepting 2/B grade | 04/30/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.15% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 78.15% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |
| &nbsp;&nbsp;&nbsp;336 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/29/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 04/30/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.15% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 78.15% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |
| &nbsp;&nbsp;&nbsp;336 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 04/30/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 04/30/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.15% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 78.15% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |
| &nbsp;&nbsp;&nbsp;187 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Rescinded | FCRE1335 | Credit | Borrower<br>1 IRS<br>Transcripts<br>Missing | Borrower 1 IRS Transcripts Missing Provide XXX Transcripts, XXX and XXX tax returns used to qualify borrower, XXX contained in file, missing XXX | Document Uploaded. Per the product profile ONLY the most recent years transcripts are required — this is invalid | 05/11/2026 | Explanation provided is sufficient and supported by guidelines. Exception rescinded. | 05/12/2026 | A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;187 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;187 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;204 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FCRE1358 | Credit | Borrower 2<br>W2/1099<br>Missing | Borrower 2 W2/1099 Missing. B2 income was calculated using the pay stub in fie XX/XX/XXXX ending. There is no W2 for year XXX B2 started the job at the XXX on XXX/XXX/XXX. | Document Uploaded. | 05/11/2026 | Borrower 2 W2/XXX Provided or Not Applicable (Number of Borrowers equals XXX); XXX W2 provided | 05/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. D A |
| &nbsp;&nbsp;&nbsp;204 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Rescinded | FCRE5116 | Credit | Missing<br>VOM or<br>VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. |  |  | Rescinded, not required on PR transactions | 05/07/2026 | D A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;204 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. D A |
| &nbsp;&nbsp;&nbsp;204 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. D A |
| &nbsp;&nbsp;&nbsp;210 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | finding-<br>3526 | Compliance | Revised<br>Loan<br>Estimate<br>Delivery<br>Date Test<br>(prior to<br>consummation) | Without evidence of receipt, it is assumed that the revised LE dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date of XXX/XXX/XXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation. This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he crXXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the crXXX delivers or places such version in the mail. | Document Uploaded. | 05/13/2026 | LE receipt date provided — exception resolved; LE receipt date provided — exception resolved | 05/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C A |
| &nbsp;&nbsp;&nbsp;210 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 05/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;210 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C A |
| &nbsp;&nbsp;&nbsp;217 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the appraisal fee. COC in the file (pg XXX) does not provide a valid reason for the increase in the appraisal fee. | Document Uploaded. ; Document Uploaded. | 05/12/2026 | Valid COC provided — exception resolved; Valid COC provided — exception resolved | 05/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D A C |
| &nbsp;&nbsp;&nbsp;217 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FCRE1201 | Credit | Third<br>Party<br>Fraud<br>Report<br>not<br>Provided | Missing Third Party Fraud Report Unable to locate fraud report in file. Guidelines require a fraud report and any potential findings must be satisfactorily cleared prior to closing. | Document Uploaded. | 05/11/2026 | Lender provided the third party fraud report. All high alerts have been addressed. Condition cleared. ; Third Party Fraud Report is provided | 05/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D A C |
| &nbsp;&nbsp;&nbsp;217 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/04/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;220 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FCRE1328 | Credit | Borrower 1<br>W2/1099<br>Missing | Borrower 1 W2/1099 Missing. LP requires XXX calendar years W2's for B1. The loan file only contained XXX W2. | Document Uploaded. | 05/14/2026 | Per the AUS, bonus income must obtain: Year-to-date(YTD) paystub(s) documenting all YTD earnings W-2s for the most recent two calendar years OR A written VOE documenting all YTD earnings, Most recent two calendar years earnings. Lender provided two calendar years earnings. Condition cleared. ; Borrower 1 W2/XXX Provided | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 79.74% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.74% is less than Guideline CLTV of 89.99% D A |
| &nbsp;&nbsp;&nbsp;220 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FCRE9785 | Credit | Purchase<br>Contract is<br>Incomplete | XXX is Purchase but Purchase Contract Doc is Incomplete The Purchase Agreement reflects a loan amount of $XXX; however, the Note evidences a loan amount of XXX Please provide a fully executed addendum to the Purchase Agreement reflecting the updated loan amount to ensure consistency across all loan documentation. |  |  | Acknowledged, accepting 2/B grading | 05/05/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 79.74% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.74% is less than Guideline CLTV of 89.99% D A B |
| &nbsp;&nbsp;&nbsp;220 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/05/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational. | 05/05/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 79.74% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.74% is less than Guideline CLTV of 89.99% D A |
| &nbsp;&nbsp;&nbsp;220 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 79.74% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.74% is less than Guideline CLTV of 89.99% D A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;224 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | finding-<br>3652 | Compliance | Lender<br>Credits<br>That<br>Cannot<br>Decrease<br>Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on the CD dated XXX/XXX/XXX. | Document Uploaded. | 05/12/2026 | Valid COC provided — exception resolved; Valid COC provided — exception resolved | 05/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |
| &nbsp;&nbsp;&nbsp;224 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Points Fee on the CD dated XXX/XXX/XXX. | Document Uploaded. | 05/12/2026 | Valid COC provided — exception resolved; Valid COC provided — exception resolved | 05/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |
| &nbsp;&nbsp;&nbsp;224 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |
| &nbsp;&nbsp;&nbsp;224 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;224 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |
| &nbsp;&nbsp;&nbsp;226 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Rescinded | FCRE5116 | Credit | Missing<br>VOM or<br>VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. |  |  | Rescinded, not required on PR transactions | 05/07/2026 | A |
| &nbsp;&nbsp;&nbsp;226 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/04/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 76.92% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.92% is less than Guideline CLTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;226 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/04/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 76.92% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.92% is less than Guideline CLTV of 89.99% A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;230 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;230 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;230 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;256 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FCRE1328 | Credit | Borrower 1<br>W2/1099<br>Missing | Borrower 1 W2/1099 Missing. W-2 or VOE for B1 not found in file. DU AUS requires a W-2 from the prior year or using a standard verification of employment. | Document Uploaded. | 05/14/2026 | Lender provided the XXX W2 for Borrower 1. Condition cleared. ; Borrower 1 W2/XXX Provided | 05/15/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 66.53% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 73.28% is less than Guideline CLTV of 89.99% D A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;256 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/04/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 66.53% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 73.28% is less than Guideline CLTV of 89.99% D A |
| &nbsp;&nbsp;&nbsp;256 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/04/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 66.53% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 73.28% is less than Guideline CLTV of 89.99% D A |
| &nbsp;&nbsp;&nbsp;267 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FCRE1159 | Credit | Hazard<br>Insurance<br>Effective<br>Date is after<br>the<br>Disbursement<br>Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. XXX/XXX/XXX. HOI policy in file reflects effective date of XXX/XXX/XXX. Hazard insurance is required to be effective at closing. | Document Uploaded. | 05/13/2026 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; Client provided Letter of Attestation stating: Between the dates of XX/XX/XXXX (Closing) and XX/XX/XXXX (effective date of insurance), XXX has not been notified or made aware of any insurance claims against the property by the consumer or applicable third party. As of XX/XX/XXXX the insurance policy became effective and remains in effect until its Stated expiration date of XXX/XXX/XXX. LM Updated. | 05/14/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D A C |
| &nbsp;&nbsp;&nbsp;267 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or HOA<br>fees for non-<br>subject<br>property | Unable to locate documentation to verify taxes for OREO at XXX XXX. | Document Uploaded. | 05/11/2026 | Documentation provided is sufficient. Exception resolved. | 05/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;267 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FCRE7495 | Credit | Verification of<br>Borrower<br>Liabilities<br>Missing or<br>Incomplete | Credit Inquiries has been made on XX/XX/XXXX XXXNo supporting document to verify the amount and payment. Trade is reflected on Final 1003 with XXX balance. Unable to locate Statement or credit supplement to verify the new debt. | Document Uploaded. The student loan was identified through our internal gap process. Attached please find a current credit report that verifies the liability. | 05/11/2026 | Documentation provided is sufficient. Exception resolved. | 05/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D A |
| &nbsp;&nbsp;&nbsp;267 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D A |
| &nbsp;&nbsp;&nbsp;267 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D A |
| &nbsp;&nbsp;&nbsp;268 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Rescinded | FCRE1964 | Credit | Missing<br>income<br>documentation | Provide 3rd party verification for business XXX, not contained in loan file. | Charcoal Mile was qualified with a loss. Verification of business is not needed. | 05/14/2026 | Upon further review, XXX is showing a loss. Condition rescinded. | 05/15/2026 | A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;268 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/04/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;268 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/04/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;332 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 79.23% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.23% is less than Guideline CLTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;332 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 79.23% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.23% is less than Guideline CLTV of 89.99% A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;332 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/04/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 79.23% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 79.23% is less than Guideline CLTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;340 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FCRE7347 | Credit | Missing<br>Lease<br>Agreement | Provide the solar panel lease agreement or proof that the panels were paid off. | XXX is owned (not Leased), no lien on Title, comments on the Appraisal also confirming its owned so the XXX transfers with the property when its owned so no Agreement, | 05/11/2026 | Agreed. No Payment for solar panels | 05/12/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.98% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.98% is less than Guideline CLTV of 89.99% D A B |
| &nbsp;&nbsp;&nbsp;340 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided. | Document Uploaded. AUS | 05/06/2026 | Documentation provided is sufficient. Exception resolved.; AUS is not incomplete. | 05/07/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.98% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.98% is less than Guideline CLTV of 89.99% D A B |
| &nbsp;&nbsp;&nbsp;340 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading | 05/04/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.98% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.98% is less than Guideline CLTV of 89.99% D A B |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;340 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/04/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.98% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.98% is less than Guideline CLTV of 89.99% D A B |
| &nbsp;&nbsp;&nbsp;348 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close |  |  | Acknowledged, accepting 2/B grading | 05/04/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| &nbsp;&nbsp;&nbsp;348 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/04/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| &nbsp;&nbsp;&nbsp;348 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/04/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;196 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FCRE1172 | Credit | Flood<br>Insurance<br>Minimum<br>Coverage<br>Not Met | Flood Insurance Coverage Amount does not meet minimum required coverage amount Flood Insurance Coverage Amount does not meet minimum required coverage amount | Document Uploaded. Invalid | 05/11/2026 | Flood Insurance Minimum Coverage Amount is met | 05/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 66.15% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.15% is less than Guideline CLTV of 89.99% C B A |
| &nbsp;&nbsp;&nbsp;196 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Acknowledged | FCRE1148 | Credit | Title<br>Coverage is<br>Less than<br>Subject<br>Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX |  |  | Acknowledged, accepting 2/B grading | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 66.15% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.15% is less than Guideline CLTV of 89.99% C B A |
| &nbsp;&nbsp;&nbsp;196 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/01/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/06/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 66.15% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.15% is less than Guideline CLTV of 89.99% C B A |
| &nbsp;&nbsp;&nbsp;196 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/06/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 66.15% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 66.15% is less than Guideline CLTV of 89.99% C B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;233 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Rescinded | FCRE1186 | Credit | Audited<br>DTI<br>Exceeds<br>AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Auditor verified all income and monthly obligations including PITIA on previous primary. Using auditors calculation the RSU income was lower than used by the lender. | ICW | 05/20/2026 | RSU income was calculated incorrectly. Exception rescinded.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 05/21/2026 | D B A C |
| &nbsp;&nbsp;&nbsp;233 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FCRE1146 | Credit | Title<br>Document<br>is<br>Partially<br>Present | Title Document is incomplete or only partially present. Title document does not reflect adequate lender coverage or chain of title. Please provide amendment to title with correct lender coverage and XXX month chain of title. | Document Uploaded. Title with correct coverage and the chain of title is on page XXX I have attached the XXX links containing the chain of title documents | 05/18/2026 | Documentation is sufficient. Updated Title documentation provided. Exception resolved.; Title Document is fully Present. | 05/19/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D B A C |
| &nbsp;&nbsp;&nbsp;233 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee | Document Uploaded. | 05/15/2026 | valid COC provided, exception resolved; valid COC provided, exception resolved | 05/18/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D B C A |
| &nbsp;&nbsp;&nbsp;233 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Acknowledged | FCRE1148 | Credit | Title<br>Coverage<br>is Less<br>than<br>Subject<br>Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX |  |  | Acknowledged, accepting 2/B grading | 05/07/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D B A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;233 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/06/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D B A C |
| &nbsp;&nbsp;&nbsp;262 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FPRO1245 | Property | Appraisal is<br>Expired | Primary Value Appraisal is Expired | Document Uploaded. Recert provided | 05/14/2026 | Documentation provided is sufficient. Exception resolved.; Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist | 05/15/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.92% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 76.92% is less than Guideline LTV of 89.99% C A |
| &nbsp;&nbsp;&nbsp;262 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/05/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/06/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.92% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 76.92% is less than Guideline LTV of 89.99% C A |
| &nbsp;&nbsp;&nbsp;262 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/06/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.92% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 76.92% is less than Guideline LTV of 89.99% C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;263 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/05/2026 | Resolved | FCRE9814 | Credit | Missing<br>Trust<br>Agreement | Missing Trust Agreement Provide Trust Agreement not contained in loan file. | Document Uploaded. | 05/11/2026 | Documentation is sufficient. Trust cert provided. Exception resolved.; Trust Agreement Meets Guideline Requirements | 05/12/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| &nbsp;&nbsp;&nbsp;263 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/06/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| &nbsp;&nbsp;&nbsp;263 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/05/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/06/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| &nbsp;&nbsp;&nbsp;317 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FCRE1253 | Credit | Missing<br>Property<br>Tax Cert | Missing Property Tax Cert | Document Uploaded. | 05/11/2026 | Property Tax Cert Provided | 05/12/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;317 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close |  | Acknowledged, accepting 2/B grading | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |
| &nbsp;&nbsp;&nbsp;317 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  | Informational | 05/06/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |
| &nbsp;&nbsp;&nbsp;322 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | finding-<br>3526 | Compliance | Revised<br>Loan<br>Estimate<br>Delivery<br>Date Test<br>(prior to<br>consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he crXXX shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the crXXX provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the crXXX delivers or places such version in the mail. Without evidence of receipt, it is assumed that the revised LE dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date of XXX/XXX/XXX. The defect can be cured by providing evidence showing the consumer received the loan estimate at least XXX business days prior to consummation. LE | 05/18/2026 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 05/19/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% C A |
| &nbsp;&nbsp;&nbsp;322 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/05/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  | Informational | 05/06/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;322 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/05/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/06/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% C A |
| &nbsp;&nbsp;&nbsp;339 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/06/2026 | Rescinded | FCRE0382 | Credit | Assets do<br>not meet<br>guideline<br>requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Reserves are short XXX | Document Uploaded. Per the attached asset worksheet, sufficient funds and reserves have been verified. | 05/11/2026 | Agreed. Invalid Condition. Rescinded. ; Funds are found to meet guidelines. | 05/12/2026 | C B A |
| &nbsp;&nbsp;&nbsp;339 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/06/2026 | Resolved | FCRE9995 | Credit | Audited<br>Reserves are<br>less than<br>Guideline<br>Required<br>Reserves<br>(Dollar<br>Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. AUS required no reserves |  |  | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 05/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 49.7% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 49.7% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% C B A |
| &nbsp;&nbsp;&nbsp;339 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/06/2026 | Resolved | FCRE1198 | Credit | Audited<br>Reserves are<br>less than<br>Guideline<br>Required<br>Reserves<br>(Number of<br>Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) AUS required no reserves |  |  | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 05/12/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 49.7% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 49.7% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;339 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/06/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  |  | Acknowledged, accepting 2/B grading | 05/07/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 49.7% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 49.7% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% C B A |
| &nbsp;&nbsp;&nbsp;339 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/06/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/06/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 49.7% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 49.7% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% C B A |
| &nbsp;&nbsp;&nbsp;293 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/05/2026 | Acknowledged | finding-<br>3367 | Compliance | RESPA<br>Homeownership<br>Counseling<br>Organizations<br>Disclosure Date<br>Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date crXXX received application if loan Originator's XXX is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the crXXX's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX business days of XXX of XXX/XXX/XXX. |  |  | Acknowledged, accepting 2/B grading.; Acknowledged, accepting 2/B grading. | 05/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;293 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/05/2026 | Resolved | finding-<br>3652 | Compliance | Lender<br>Credits<br>That<br>Cannot<br>Decrease<br>Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX as the earliest available LE is dated XXX/XXX/XXX. Please provide the initial LE issued within XXX business days of the XXX of XXX/XXX/XXX. Additional testing will be completed once the initial LE is provided. | Document Uploaded. | 05/16/2026 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 05/18/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B C A |
| &nbsp;&nbsp;&nbsp;293 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/05/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX as the earliest available LE is dated XXX/XXX/XXX. Please provide the initial LE issued within XXX business days of the XXX of XXX/XXX/XXX. Additional testing will be completed once the initial LE is provided. Also provide COC dated XX/XX/XXXX referenced on e-consent for XX/XX/XXXX LE as discount points increased on corresponding LE. | Document Uploaded. ; Document Uploaded. | 05/16/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved | 05/18/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;293 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/05/2026 | Resolved | finding-<br>3635 | Compliance | Charges<br>That In<br>Total<br>Cannot<br>Increase<br>More<br>Than<br>XXX%<br>Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the crXXX or an affiliate of the crXXX; and(C) The crXXX permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery. The exception is tied to the missing Initial LE issued within XXX business days of the XXX of XX/XX/XXXX as the earliest available LE is dated XXX/XXX/XXX. Please provide the initial LE issued within XXX business days of the XXX of XXX/XXX/XXX. Additional testing will be completed once the initial LE is provided. | Document Uploaded. ; Document Uploaded. | 05/16/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved | 05/18/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B C A |
| &nbsp;&nbsp;&nbsp;293 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/05/2026 | Resolved | finding-<br>3515 | Compliance | Initial<br>Loan<br>Estimate<br>Delivery<br>Date<br>Test<br>(from<br>application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the crXXX's offices are open to the public for carrying on substantially all of its business functions) after the crXXX or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the crXXX's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe crXXX shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the crXXX receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XXX/XXX/XXX. The violation can be cured by providing the initial LE within XXX days of XXX/XXX/XXX. | Document Uploaded. ; Document Uploaded. | 05/16/2026 | Initial LE provided; exception resolved; Initial LE provided; exception resolved | 05/18/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B C A |
| &nbsp;&nbsp;&nbsp;293 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FCRE1328 | Credit | Borrower<br>1<br>W2/1099<br>Missing | Borrower 1 W2/1099 Missing. W2 XXX document is missing | Document Uploaded. XXX W2 and VOE breakdown for Borrower 1 in file | 05/14/2026 | W2 and WVOE provided for the borrower. Condition cleared. ; Borrower 1 W2/XXX Provided | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;293 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/05/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B A C |
| &nbsp;&nbsp;&nbsp;293 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/06/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B A C |
| &nbsp;&nbsp;&nbsp;337 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/06/2026 | Resolved | finding-651 | Compliance | TILA Finance<br>Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. Lender's Mavent report indicates XXX of the prepaid interest was excluded as paid by Seller. No evidence of Seller credit in file. The fees included in the finance charge calculation include: Underwriting Fee paid by Borrower: XXX Appraisal Management Fee paid by Borrower: XXX MERS Registration Fee paid by Borrower: XXX Tax Service Fee paid by Borrower: XXX Flood Certification — Single Charge or Life of Loan paid by Borrower: XXX Fraud Guard paid by Borrower: XXX Settlement or Closing Fee paid by Borrower: XXX Title Concurrent Loan Services Fee paid by Borrower: XXX Title Courier Fee paid by Borrower: XXX Notary Fee paid by Borrower: XXX Recording Service Fee paid by Borrower: XXX Prepaid Interest paid by Borrower: XXX | Document Uploaded. cure provided during initial review | 05/14/2026 | TILA cure provided in original loan docs — exception rescinded; TILA cure provided in original loan docs — exception rescinded | 05/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 63.01% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.01% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |
| &nbsp;&nbsp;&nbsp;337 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/06/2026 | Resolved | finding-<br>3719 | Compliance | TILA Post-<br>Consummation<br>Revised<br>Closing<br>Disclosure<br>Finance<br>Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery. Lender's Mavent report indicates XXX of the prepaid interest was excluded as paid by Seller. No evidence of Seller credit in file. The fees included in the finance charge calculation include: Underwriting Fee paid by Borrower: XXX Appraisal Management Fee paid by Borrower: XXX MERS Registration Fee paid by Borrower: XXX Tax Service Fee paid by Borrower: XXX Flood Certification — Single Charge or Life of Loan paid by Borrower: XXX Fraud Guard paid by Borrower: XXX Settlement or Closing Fee paid by Borrower: XXX Title Concurrent Loan Services Fee paid by Borrower: XXX Title Courier Fee paid by Borrower: XXX Notary Fee paid by Borrower: XXX Recording Service Fee paid by Borrower: XXX Prepaid Interest paid by Borrower: XXX | Document Uploaded. cure provided during initial review | 05/14/2026 | TILA cure provided in original loan docs — exception rescinded; TILA cure provided in original loan docs — exception rescinded | 05/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 63.01% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.01% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;337 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/05/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading | 05/07/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 63.01% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.01% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |
| &nbsp;&nbsp;&nbsp;337 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Rescinded | FCRE5116 | Credit | Missing<br>VOM or<br>VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Currently residing in Rent of XXX there is no Cancelled check or Bank Statement or Payment history for VOR to verify the history. As per guidelines requirement history needs to verify. |  |  | Rescinded, not required on PR transactions | 05/07/2026 | C B A |
| &nbsp;&nbsp;&nbsp;337 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/06/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 63.01% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.01% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |
| &nbsp;&nbsp;&nbsp;338 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/05/2026 | Rescinded | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC The zero tolerance violation in the amount of XXX is due to increase of the escrow fee from XXX to XXX for the increase of the settlement fee. A lender cure of XXX was provided which left a balance of $XXX. | Document Uploaded. Industry Practice: The "De Minmis" Approach. Rounding Practice: Most loan origination systems and audit tools round fee differences to the nearest dollar or disregard very small discrepancies (e., \($.XXX) on the Closing Disclosure. Operational Efficiency: The cost and administrative burden of issuing a check for a few cents often exceed the penalty for the violation itself, leading to the adoption of a "de minimis" threshold by many compliance departments. | 05/14/2026 | Tolerance due to rounding — exception rescinded; Tolerance due to rounding — exception rescinded | 05/15/2026 | C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;338 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/05/2026 | Rescinded | FCRE7497 | Credit | Missing<br>verification of<br>taxes,<br>insurance, and/<br>or HOA fees for<br>non-subject<br>property | Provide documentation for the HOA of XXXd to XXX XXX | Document Uploaded. All of these supporting documents were in the original upload. | 05/13/2026 | No HOA LOE located in loan file on pg XXX | 05/13/2026 | C B A |
| &nbsp;&nbsp;&nbsp;338 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/06/2026 | Acknowledged | FCOM1267 | Compliance | Homeownership<br>Counseling<br>Disclosure Is<br>Partially<br>Provided | Homeownership Counseling Disclosure Is Partially Provided (Date CrXXX Received Application is XX/XX/XXXX and XXX is XXX) Documentation required to clear exception: Provide homeownership counseling disclosure that contains the full list of XXX counselors provided to the consumer within XXX business days of XXX of XXX/XXX/XXX. Per the list in the file, only XXX counselors were provided. |  |  | Acknowledged, accepting 2/B grading | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.66% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 55.66% is less than Guideline LTV of 89.99% C B A |
| &nbsp;&nbsp;&nbsp;338 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/05/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/06/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.66% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 55.66% is less than Guideline LTV of 89.99% C B A |
| &nbsp;&nbsp;&nbsp;342 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/05/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  |  | Acknowledged, accepting 2/B grading | 05/07/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;342 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/06/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| &nbsp;&nbsp;&nbsp;342 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/04/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/06/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| &nbsp;&nbsp;&nbsp;125 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 05/20/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; TILA 130b Cure Required: Refund in the amount of $XXX; Cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of the CEMA XXX fee on the revised LE dated XXX/XXX/XXX. (reimbursement given on final CD was applied to other failures.) | 05/21/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.09% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 67.09% is less than Guideline LTV of 89.99% C A |
| &nbsp;&nbsp;&nbsp;125 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/11/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.09% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 67.09% is less than Guideline LTV of 89.99% C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;125 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/11/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.09% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 67.09% is less than Guideline LTV of 89.99% C A |
| &nbsp;&nbsp;&nbsp;177 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 05/20/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved; TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Mortgage Broker Fee on the Final CD dated XXX/XXX/XXX. File does not contain any COC's. | 05/21/2026 | Borrower has stable job time — Borrower has XXX years on job. C A |
| &nbsp;&nbsp;&nbsp;177 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/11/2026 | Borrower has stable job time — Borrower has XXX years on job. C A |
| &nbsp;&nbsp;&nbsp;177 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/11/2026 | Borrower has stable job time — Borrower has XXX years on job. C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;186 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 05/11/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| &nbsp;&nbsp;&nbsp;186 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/11/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| &nbsp;&nbsp;&nbsp;186 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/11/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| &nbsp;&nbsp;&nbsp;189 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>XXX%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. | 05/19/2026 | Third party valuation product provided within tolerance.; HVE provided. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.39% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.39% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D B C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;189 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FCOM1544 | Compliance | TRID:<br>Missing<br>Closing<br>Disclosure | TRID: Missing Final Closing Disclosure Documentation required to clear exception: The Final CD issued XX/XX/XXXX is missing from the loan file per Mavent in file. All testing was completed using CD dated XXX/XXX/XXX. Please provide final CD for additional testing. | Document Uploaded. Final CD | 05/14/2026 | Final CD provided — exception resolved | 05/15/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.39% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.39% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D B A C |
| &nbsp;&nbsp;&nbsp;189 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FCOM1220 | Credit | The Deed<br>of Trust is<br>Missing | The Deed of Trust is Missing | Document Uploaded. DOT | 05/14/2026 | Documentation provided is sufficient. Exception resolved.; The Deed of Trust is Present | 05/15/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.39% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.39% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D B A C |
| &nbsp;&nbsp;&nbsp;189 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FCOM1232 | Credit | The Final<br>1003 is<br>Missing | The Final 1003 is Missing. | Document Uploaded. Final 1003 | 05/14/2026 | Documentation provided is sufficient. Exception resolved.; The Final 1003 is Present | 05/15/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.39% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.39% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D B A C |
| &nbsp;&nbsp;&nbsp;189 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FCOM1206 | Credit | The Note<br>is Missing | The Note is Missing. Documentation required to clear exception: Please provide the Note as it is missing from the loan file. | Document Uploaded. Note | 05/14/2026 | The Note is Present. | 05/15/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.39% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.39% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D B A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;189 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Acknowledged | FCOM1621 | Compliance | Missing<br>Initial<br>Escrow<br>Disclosure | Initial Escrow Account Disclosure is Missing Documentation required to clear exception: Please provide the Initial Escrow Disclosure. |  |  | Acknowledged, accepting 2/B grading. | 05/13/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.39% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.39% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D B A C |
| &nbsp;&nbsp;&nbsp;189 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Rescinded | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | ; Informational | 05/12/2026 | D B A C |
| &nbsp;&nbsp;&nbsp;189 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Rescinded | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | ; Informational | 05/12/2026 | D B A C |
| &nbsp;&nbsp;&nbsp;194 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Rescinded | FCRE5116 | Credit | Missing<br>VOM or<br>VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The Verification Of Rent due to purchase of a XXX required. |  |  | VOR/VOM when subject is PR not required. | 05/13/2026 | A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;194 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/11/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.86% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 67.86% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;194 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/11/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67.86% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 67.86% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;209 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FCRE1185 | Credit | AUS<br>Partially<br>Provided | AUS Partially Provided. All pages for AUS #XXX was not provided. | Document Uploaded. AUS #XXX | 05/14/2026 | AUS is not incomplete.; Client provided AUS #XXX with all pages. LM Updated. | 05/15/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| &nbsp;&nbsp;&nbsp;209 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/11/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;209 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/11/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| &nbsp;&nbsp;&nbsp;223 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FPRO9990 | Property | Third Party<br>Valuation<br>Product<br>Not<br>Provided<br>within<br>XXX%<br>Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Collateral UW score is >XXX and Collateral Rep & Warrant Relief Status in Not Eligible | Document Uploaded. Appraisal XXX FNMA = XXX FHLMC = XX/XX/XXXX | 05/20/2026 | Third party valuation product provided within tolerance.; UCDP with score of XXX provided. | 05/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C A |
| &nbsp;&nbsp;&nbsp;223 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/12/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational. | 05/12/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C A |
| &nbsp;&nbsp;&nbsp;223 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/11/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;236 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | finding-<br>3652 | Compliance | Lender<br>Credits<br>That<br>Cannot<br>Decrease<br>Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to the decrease in Lender Credit from XXX disclosed on the initial LE issued on XX/XX/XXXX to XXX on the final CD issued on XXX/XXX/XXX. The loan file does not contain a valid COC for the decrease in lender credit. | Document Uploaded. | 05/14/2026 | Valid COC provided — exception resolved; Valid COC provided — exception resolved | 05/18/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 78.57% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.57% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A C |
| &nbsp;&nbsp;&nbsp;236 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE1152 | Credit | Evidence of<br>Property<br>Tax<br>Missing | XXX XXX doesn't have proof of the taxes on the property nor if there are any HOAs. | Document Uploaded. XXX XXX Taxes and there is no HOA | 05/14/2026 | Evidence provided. Internet printout as well as property detail report. | 05/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 78.57% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.57% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A C |
| &nbsp;&nbsp;&nbsp;236 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/11/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 78.57% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.57% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A C |
| &nbsp;&nbsp;&nbsp;237 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/11/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;237 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/11/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;237 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/11/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;294 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FCRE1328 | Credit | Borrower<br>1<br>W2/1099<br>Missing | Borrower 1 W2/1099 Missing. Provide XXX W2 | Document Uploaded. | 05/19/2026 | Documentation is sufficient. W-2 provided. Exception resolved.; Borrower 1 W2/XXX Provided | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.96% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 63.96% is less than Guideline LTV of 89.99% D B A |
| &nbsp;&nbsp;&nbsp;294 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading. | 05/13/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.96% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 63.96% is less than Guideline LTV of 89.99% D B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;294 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/11/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 63.96% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 63.96% is less than Guideline LTV of 89.99% D B A |
| &nbsp;&nbsp;&nbsp;295 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE1346 | Credit | Borrower 1<br>1040<br>Schedule E<br>Missing | Borrower 1 1040 Schedule E Missing Provide recent filed year's tax returns with all schedules to support qualifying income/losses from investment properties | Document Uploaded. ; Document Uploaded. | 05/21/2026 | Borrower 1 1040 Schedule E Provided; Document did not load. Please upload document again. Exception remains. | 05/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.7% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.7% is less than Guideline LTV of 89.99% D B A |
| &nbsp;&nbsp;&nbsp;295 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE1319 | Credit | Borrower 1<br>XXX Tax<br>Returns<br>Missing | Borrower 1 XXX Tax Returns Missing Provide recent filed year's tax returns with all schedules to support qualifying income/losses from investment properties | Document Uploaded. ; Document Uploaded. | 05/21/2026 | Borrower 1 XXX Tax Returns Provided; Document did not load. Please upload again. Exception remains. | 05/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.7% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.7% is less than Guideline LTV of 89.99% D B A |
| &nbsp;&nbsp;&nbsp;295 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Rescinded | FCRE1345 | Credit | Borrower 1<br>Lease<br>Agreements<br>Missing | Borrower 1 Lease Agreements Missing Provide leases to support qualifying income/losses from investment properties not listed on Schedule E | I believe all the borrower's properties are reported on Schedule E. Is there a specific property(ies) that is missing a lease agreement? ; All properties are on Schedule E | 05/26/2026 | Rescinded — Schedule E used. ; Borrower 1 Lease Agreements Missing | 05/27/2026 | D B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;295 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE9995 | Credit | Audited<br>Reserves<br>are less<br>than<br>Guideline<br>Required<br>Reserves<br>(Dollar<br>Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. | Document Uploaded. ; Document Uploaded. | 05/21/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 05/22/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.7% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.7% is less than Guideline LTV of 89.99% D B C A |
| &nbsp;&nbsp;&nbsp;295 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE1198 | Credit | Audited<br>Reserves<br>are less<br>than<br>Guideline<br>Required<br>Reserves<br>(Number<br>of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) | Document Uploaded. | 05/21/2026 | Audited Reserves of XX/XX/XXXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 05/22/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.7% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.7% is less than Guideline LTV of 89.99% D B C A |
| &nbsp;&nbsp;&nbsp;295 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE3843 | Credit | Guideline<br>Seasoning<br>not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. Provide documentation to support borrowers have sufficient reserves in the amount of XXX | Document Uploaded. | 05/21/2026 | The required number of months reserves are to be seasoned does meet Guideline requirement. | 05/22/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.7% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.7% is less than Guideline LTV of 89.99% D B A |
| &nbsp;&nbsp;&nbsp;295 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or<br>HOA fees<br>for non-<br>subject<br>property | Provide HOI premium for properties located at XXX XXX Cv to verify no mortgage loss payee and total monthly obligation does not exceed XXX Provide HOI premium for properties located at XXX XXX to verify no mortgage loss payee and total monthly obligation does not exceed XXX Provide HOI premium for properties located at XXX XXX to verify no mortgage loss payee and total monthly obligation does not exceed XXX Provide HOI premium for properties located at XXX XXX to verify no mortgage loss payee and total monthly obligation does not exceed XXX | Document Uploaded. | 05/19/2026 | Documentation is sufficient. Hazard policies provided. Exception resolved. | 05/20/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.7% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.7% is less than Guideline LTV of 89.99% D B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;295 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. (The appraisal receipt on page XXX is from XXX/XXX/XXX). |  |  | Acknowledged, accepting 2/B grading. | 05/13/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.7% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.7% is less than Guideline LTV of 89.99% D B A |
| &nbsp;&nbsp;&nbsp;295 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/11/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 74.7% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 74.7% is less than Guideline LTV of 89.99% D B A |
| &nbsp;&nbsp;&nbsp;346 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  |  | Acknowledged, accepting 2/B grading. | 05/13/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| &nbsp;&nbsp;&nbsp;346 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/12/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational. | 05/12/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;346 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Rescinded | FCRE1241 | Credit | Purchase<br>Contract is<br>Missing | XXX is Purchase but Purchase Contract Doc is Missing |  |  | ; Purchase Contract Doc is not Missing, or is Not Applicable. | 05/12/2026 | B A |
| &nbsp;&nbsp;&nbsp;346 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/08/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/11/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| &nbsp;&nbsp;&nbsp;173 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or<br>HOA fees<br>for non-<br>subject<br>property | The lender used a monthly PI of $XXX; however, the VOM (Page XXX) reflects a PI of XXX which is also supported by the check (Page XXX). No additional source documentation is available to verify the correct PI amount. Recent VOM is Require Additionally, there is no source documentation available to support the shortage amount of $XXX. Source document is required for this shortage amount. | Document Uploaded. AUS with corrected P&I of XXX | 05/19/2026 | AUS provided with REO updated P&I. | 05/20/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70.8% is less than Guideline LTV of 84.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70.8% is less than Guideline CLTV of 84.99% D A |
| &nbsp;&nbsp;&nbsp;173 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70.8% is less than Guideline LTV of 84.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70.8% is less than Guideline CLTV of 84.99% D A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;173 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCOM8997 | Compliance | No Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70.8% is less than Guideline LTV of 84.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70.8% is less than Guideline CLTV of 84.99% D A |
| &nbsp;&nbsp;&nbsp;179 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | finding-<br>3515 | Compliance | Initial Loan<br>Estimate<br>Delivery Date<br>Test (from<br>application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the crXXX's offices are open to the public for carrying on substantially all of its business functions) after the crXXX or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the crXXX's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he crXXX shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the crXXX receives the consumer's application. Documentation Required: There's no evidence of the initial LE issued within XXX business days of XXXd XX/XX/XXXX in the loan file. The earliest LE in file is dated XXX/XXX/XXX. | Document Uploaded. | 05/20/2026 | Initial LE provided — exception resolved; Initial LE provided — exception resolved | 05/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |
| &nbsp;&nbsp;&nbsp;179 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Acknowledged | FCOM1266 | Compliance | Homeownership<br>Counseling<br>Disclosure Is<br>Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception: Please provide the Homeownership Counseling disclosure that was provided to the consumer within XXX business days of XXXd XXX/XXX/XXX. |  |  | Acknowledged, accepting 2/B grading. | 05/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |
| &nbsp;&nbsp;&nbsp;179 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;179 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. C B A |
| &nbsp;&nbsp;&nbsp;202 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| &nbsp;&nbsp;&nbsp;202 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| &nbsp;&nbsp;&nbsp;202 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/12/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;213 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;213 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;213 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;218 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 05/13/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;218 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/13/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;218 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/12/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/13/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;227 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/12/2026 | Resolved | FCRE1202 | Credit | Third Party<br>Fraud Report<br>Partially<br>Provided | Third Party Fraud Report Partially Provided Fraud Report Is incomplete missing pages | Document Uploaded. Full Drive Report; Document Uploaded. Fraud Report | 05/20/2026 | Third Party Fraud Report is fully present; Full report provided. ; File only contains the first XXX pages of the fraud report. Please provide the complete report including all pages. Condition retained. | 05/21/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| &nbsp;&nbsp;&nbsp;227 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE1169 | Credit | Flood<br>Insurance<br>Effective<br>Date is after<br>the<br>Disbursement<br>Date | Flood Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX | Document Uploaded. Flood policy updated | 05/19/2026 | Flood Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Flood Insurance Effective Date Is Not Provided; Client provided Updated Private Flood Policy Declaration reflecting Effective date XXX/XXX/XXX. LM Updated. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A C |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;227 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE1159 | Credit | Hazard<br>Insurance<br>Effective<br>Date is after<br>the<br>Disbursement<br>Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. | Document Uploaded. Hazard policy updated | 05/19/2026 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; Client provided Updated Homeowners Policy Declaration reflecting Effective date XXX/XXX/XXX. LM Updated. | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A C |
| &nbsp;&nbsp;&nbsp;227 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE7496 | Credit | Missing<br>Verification<br>of Subject<br>Property<br>Taxes,<br>Insurance,<br>HOA or<br>Other<br>Payments | Missing property taxes for XXX XXX XXX XXX XXX XXX, XXX XXX | Document Uploaded. XXX XXX CR XXX Lot #XXX Taxes are included in the Total HOA fee. See page XXX of the lease agreement and page XXX for the grand total | 05/14/2026 | Evidence provided. Included in HOA | 05/15/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| &nbsp;&nbsp;&nbsp;227 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/12/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/13/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| &nbsp;&nbsp;&nbsp;228 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Acknowledged | FCRE1148 | Credit | Title<br>Coverage is<br>Less than<br>Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Updated as per Title Commitment, Policy amount not covered Loan amount |  |  | Acknowledged, accepting 2/B grading. | 05/13/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;228 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/12/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading. | 05/13/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| &nbsp;&nbsp;&nbsp;228 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/13/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| &nbsp;&nbsp;&nbsp;234 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/13/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational. | 05/13/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| &nbsp;&nbsp;&nbsp;234 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/12/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. If borrower waived the XXX day timing requirement, provide an executed appraisal waiver and evidence the appraisal was received the day of close. |  |  | Acknowledged, accepting 2/B grading. | 05/13/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;234 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/13/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| &nbsp;&nbsp;&nbsp;243 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE1482 | Credit | Asset 4 Does<br>Not Meet<br>Guideline<br>Requirements | Asset 4 Does Not Meet Guideline Requirements. Provide documentation to support HELOC funds XXX from property XXX XXX |  |  | Documentation provided is sufficient. Exception resolved. | 05/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A C |
| &nbsp;&nbsp;&nbsp;243 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE1491 | Credit | Asset<br>Qualification<br>Does Not<br>Meet<br>Guideline<br>Requirements | Asset Qualification Does Not Meet Guideline Requirements. Provide documentation to support HELOC funds XXX from property XXX XXX | Document Uploaded. Final ALTA for the HELOC signed | 05/14/2026 | Documentation provided is sufficient. Exception resolved.; Asset Qualification Meets Guideline Requirements. | 05/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A C |
| &nbsp;&nbsp;&nbsp;243 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE1440 | Credit | Housing<br>History Does<br>Not Meet<br>Guideline<br>Requirements | Housing History Does Not Meet Guideline Requirements Provide terms for new HELOC from property XXX XXX | Document Uploaded. Verification of HELOC terms in file with person contacted | 05/14/2026 | Documentation provided is sufficient. Exception resolved.; Housing History Meets Guideline Requirements | 05/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A C |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;243 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE1157 | Credit | Hazard<br>Insurance<br>Policy is<br>Missing | Missing Hazard Insurance Policy for subject property. | Document Uploaded. Hazard policy with the estimator in file | 05/14/2026 | Documentation provided is sufficient. Exception resolved.; Hazard Insurance Policy is fully present | 05/15/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| &nbsp;&nbsp;&nbsp;243 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| &nbsp;&nbsp;&nbsp;243 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/12/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| &nbsp;&nbsp;&nbsp;272 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Rescinded | FCRE7496 | Credit | Missing<br>Verification<br>of Subject<br>Property<br>Taxes,<br>Insurance,<br>HOA or<br>Other<br>Payments | Due to a mismatch between the tax certification and the lender's tax amount, the taxes from the final CD were used, as they are more conservative and align with the lender's PITIA payment for the subject property. | Please clarify. Did the more conservative taxes push the DTI past the XXX% tolerance? If no, then this is non-material. | 05/22/2026 | Rescinded — No actual condition needed. Low DTI and taxes used acceptable. | 05/26/2026 | D A C |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;272 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | finding-<br>3634 | Compliance | Charges<br>That<br>Cannot<br>Increase<br>Test | TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | 05/20/2026 | valid COC provided, exception resolved; valid COC provided, exception resolved | 05/21/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.93% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 60.93% is less than Guideline LTV of 89.99% D A C |
| &nbsp;&nbsp;&nbsp;272 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE1201 | Credit | Third<br>Party<br>Fraud<br>Report<br>not<br>Provided | Missing Third Party Fraud Report Fraud Report is missing | Document Uploaded. Fraud report | 05/18/2026 | Third Party Fraud Report is provided; Fraud provided with XXX score. | 05/19/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.93% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 60.93% is less than Guideline LTV of 89.99% D A C |
| &nbsp;&nbsp;&nbsp;272 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/13/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 60.93% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 60.93% is less than Guideline LTV of 89.99% D A C |
| &nbsp;&nbsp;&nbsp;283 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/13/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 68.54% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.54% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;283 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/13/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 68.54% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.54% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| &nbsp;&nbsp;&nbsp;283 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/13/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 68.54% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.54% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| &nbsp;&nbsp;&nbsp;304 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE1201 | Credit | Third Party<br>Fraud<br>Report not<br>Provided | Missing Third Party Fraud Report Provide the Third Party Fraud report. | Document Uploaded. Fraud Report | 05/22/2026 | Lender provided the third party fraud report. Condition cleared. ; Third Party Fraud Report is provided | 05/22/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B A |
| &nbsp;&nbsp;&nbsp;304 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  |  | Acknowledged, accepting 2/B grading. | 05/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;304 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B A |
| &nbsp;&nbsp;&nbsp;329 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 69.04% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.04% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. B A |
| &nbsp;&nbsp;&nbsp;329 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/12/2026 | Acknowledged | FCRE1148 | Credit | Title<br>Coverage<br>is Less<br>than<br>Subject<br>Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title coverage is short XXX |  |  | Acknowledged, accepting 2/B grading | 05/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 69.04% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.04% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. B A |
| &nbsp;&nbsp;&nbsp;329 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/12/2026 | Acknowledged | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Acknowledged, accepting 2/B grading | 05/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 69.04% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.04% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;345 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/14/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.1% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.1% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;345 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/14/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.1% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.1% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;345 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/12/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/14/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 55.1% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 55.1% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;191 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;191 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/12/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;191 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/13/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/13/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;205 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Rescinded | FCRE5116 | Credit | Missing<br>VOM or<br>VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification Of Rent required due to purchase of XXX. |  |  | Not required when subject is PR | 05/14/2026 | A |
| &nbsp;&nbsp;&nbsp;205 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/13/2026 | Borrower has stable job time — Borrower has XXX years on job. A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;205 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/12/2026 | Resolved | FCOM8997 | Compliance | No Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/13/2026 | Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;206 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/12/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/14/2026 | Borrower has stable job time — Borrower has XXX years on job. B A |
| &nbsp;&nbsp;&nbsp;206 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/12/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/14/2026 | Borrower has stable job time — Borrower has XXX years on job. B A |
| &nbsp;&nbsp;&nbsp;206 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/12/2026 | Acknowledged | finding-<br>3367 | Compliance | RESPA<br>Homeownership<br>Counseling<br>Organizations<br>Disclosure Date<br>Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's XXX (or the date crXXX received application if loan Originator's XXX is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the crXXX's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception: Provide homeownership counseling disclosure that was provided to the consumer within XXX-business days of application, XXX/XXX/XXX. HCO document in file dated XX/XX/XXXX vs. XXX XX/XX/XXXX per Compliance Report p677. |  |  | Acknowledged, accepting 2/B grading | 05/14/2026 | Borrower has stable job time — Borrower has XXX years on job. B A |
| &nbsp;&nbsp;&nbsp;349 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FCOM1221 | Credit | The Deed of<br>Trust is<br>Incomplete | The Deed of Trust is Incomplete The Deed of Trust reflects a notary date of XXX/XXX/XXX; however, the loan closing date is XXX/XXX/XXX. This indicates a discrepancy in the notary date. An updated/corrected Deed of Trust reflecting the accurate notary date is required. | Document Uploaded. | 05/20/2026 | The Deed of Trust is Present and Complete | 05/21/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 69.69% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.69% is less than Guideline CLTV of 89.99% D B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;349 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/13/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  |  | Acknowledged, accepting 2/B grading. | 05/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 69.69% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.69% is less than Guideline CLTV of 89.99% D B A |
| &nbsp;&nbsp;&nbsp;349 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/13/2026 | Acknowledged | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Acknowledged, accepting 2/B grading. | 05/14/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 69.69% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.69% is less than Guideline CLTV of 89.99% D B A |
| &nbsp;&nbsp;&nbsp;349 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/11/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/13/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 69.69% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.69% is less than Guideline CLTV of 89.99% D B A |
| &nbsp;&nbsp;&nbsp;207 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date is required, but missing from the file. |  |  | Acknowledged, accepting 2/B grading | 05/16/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.97% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 68.97% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;207 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/15/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.97% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 68.97% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| &nbsp;&nbsp;&nbsp;207 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/15/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.97% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 68.97% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| &nbsp;&nbsp;&nbsp;219 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/15/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.6% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 64.6% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;219 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 05/15/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.6% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 64.6% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;219 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/15/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.6% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 64.6% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;229 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70.43% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70.43% is less than Guideline LTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;229 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70.43% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70.43% is less than Guideline LTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;229 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 70.43% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 70.43% is less than Guideline LTV of 89.99% A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;231 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCRE1485 | Credit | Asset 7 Does<br>Not Meet<br>Guideline<br>Requirements | Asset 7 Does Not Meet Guideline Requirements. Only one month provided. AUS calls for two months | Document Uploaded. XXX month Statements in file | 05/26/2026 | Asset 7 Meets Guideline Requirements Or Not Applicable; Client provided two months of assets | 05/26/2026 | D A C |
| &nbsp;&nbsp;&nbsp;231 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCRE1201 | Credit | Third Party<br>Fraud Report<br>not Provided | Missing Third Party Fraud Report Document not in upload | Fraud Report | 05/26/2026 | Third Party Fraud Report is provided; Fraud report with XXX score provided. | 05/26/2026 | D A |
| &nbsp;&nbsp;&nbsp;231 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/15/2026 | D A |
| &nbsp;&nbsp;&nbsp;231 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/15/2026 | D A |
| &nbsp;&nbsp;&nbsp;235 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;235 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;235 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/15/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;242 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| &nbsp;&nbsp;&nbsp;242 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| &nbsp;&nbsp;&nbsp;242 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;246 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;246 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;246 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;270 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;270 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/15/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;270 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/15/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;296 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCRE1437 | Credit | Income and<br>Employment<br>Do Not<br>Meet<br>Guidelines | Income and Employment Do Not Meet Guidelines Income documents of WVOE, W2, Tax returns XXX missing in file hence Income and Employment Do Not Meet Guidelines | Document Uploaded. Income proof in file. | 05/26/2026 | Income and Employment Meet Guidelines | 05/27/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.95% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 76.95% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |
| &nbsp;&nbsp;&nbsp;296 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/15/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower<br>not Provided<br>or Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  |  | Acknowledged, accepting 2/B grading | 05/16/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.95% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 76.95% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;296 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/15/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.95% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 76.95% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX C B A |
| &nbsp;&nbsp;&nbsp;326 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required. Please provide evidence Borrower received appraisal within required XXX days prior to consummation dated XX/XX/XXXX |  |  | Acknowledged, accepting 2/B grading | 05/16/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 42.55% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 42.55% is less than Guideline CLTV of 80% B A |
| &nbsp;&nbsp;&nbsp;326 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCRE8999 | Credit | No<br>Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 42.55% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 42.55% is less than Guideline CLTV of 80% B A |
| &nbsp;&nbsp;&nbsp;326 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 42.55% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 42.55% is less than Guideline CLTV of 80% B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;333 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.14% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.14% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;333 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.14% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.14% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;333 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/15/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 76.14% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 76.14% is less than Guideline CLTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;344 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/15/2026 | Resolved | FCRE1491 | Credit | Asset<br>Qualification<br>Does Not<br>Meet<br>Guideline<br>Requirements | Asset Qualification Does Not Meet Guideline Requirements. Asset Documentation for Asset 4, XXX and XXX are missing from file. | Document Uploaded. XXX & XXX assets (XXX, & XXX) were not used. Per AUS submission #XXX Section XXX | 05/26/2026 | Asset Qualification Meets Guideline Requirements.; Per client, "Document Uploaded. XXX & XXX assets (XXX, & XXX) were not used. Per AUS submission #XXX Section XXX." | 05/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D B C A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;344 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCRE5770 | Credit | Borrower<br>1 Credit<br>Report is<br>Missing | Borrower 1 Credit Report is Missing. | Document Uploaded. | 05/21/2026 | Documentation is sufficient. Credit report provided. Exception resolved.; Borrower 1 Credit Report is not missing. | 05/21/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D B A |
| &nbsp;&nbsp;&nbsp;344 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Acknowledged | FCOM3849 | Compliance | Evidence<br>of<br>Appraisal<br>Delivery<br>to<br>Borrower<br>not<br>Provided<br>or Late<br>(12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  |  | Acknowledged, accepting 2/B grading | 05/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D B A |
| &nbsp;&nbsp;&nbsp;344 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Acknowledged | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing. Documentation required. Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Acknowledged, accepting 2/B grading | 05/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D B A |
| &nbsp;&nbsp;&nbsp;344 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/15/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% D B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;353 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Acknowledged | FCRE1182 | Credit | Approval/<br>Underwriting<br>Summary<br>Not Provided | Missing Approval/Underwriting Summary. XXX is missing. |  |  | Acknowledged, accepting 2/B grading | 05/16/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 69.7% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| &nbsp;&nbsp;&nbsp;353 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  |  | Acknowledged, accepting 2/B grading | 05/16/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 69.7% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| &nbsp;&nbsp;&nbsp;353 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/15/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 69.7% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 69.7% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| &nbsp;&nbsp;&nbsp;354 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Acknowledged | FCOM3849 | Compliance | Evidence of<br>Appraisal<br>Delivery to<br>Borrower not<br>Provided or<br>Late (12<br>CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date is required, but missing from the file. |  |  | Acknowledged, accepting 2/B grading | 05/16/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 68.75% is less than Guideline LTV of 89.99% B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;354 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 68.75% is less than Guideline LTV of 89.99% B A |
| &nbsp;&nbsp;&nbsp;354 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/14/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/15/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 68.75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 68.75% is less than Guideline LTV of 89.99% B A |
| &nbsp;&nbsp;&nbsp;232 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/18/2026 | Resolved | FCRE1491 | Credit | Asset<br>Qualification<br>Does Not<br>Meet<br>Guideline<br>Requirements | Asset Qualification Does Not Meet Guideline Requirements. The final Closing Disclosure (CD) reflects gift funds of XXX but the gift letter is missing from the file. A gift letter signed by the donor is required. | Document Uploaded. Gift Letter | 05/27/2026 | Asset Qualification Meets Guideline Requirements.; Gift letter provided. | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A C |
| &nbsp;&nbsp;&nbsp;232 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/18/2026 | Resolved | FCRE7497 | Credit | Missing<br>verification<br>of taxes,<br>insurance,<br>and/or HOA<br>fees for non-<br>subject<br>property | Missing verification of HOA fees for REO at XXX XXX. | Document Uploaded. No HOA for XXX XXX | 05/22/2026 | Lender provided evidence XXX XXX is a SFR. Condition cleared. | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;232 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/18/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| &nbsp;&nbsp;&nbsp;232 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/18/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| &nbsp;&nbsp;&nbsp;271 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/19/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;271 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/19/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;271 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/19/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;351 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/18/2026 | Acknowledged | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Acknowledged, accepting 2/B grading | 05/21/2026 | Borrower has stable job time — Borrower has XXX years on job. B A |
| &nbsp;&nbsp;&nbsp;351 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/19/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. B A |
| &nbsp;&nbsp;&nbsp;351 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/19/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. B A |
| &nbsp;&nbsp;&nbsp;244 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/20/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 50.33% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.33% is less than Guideline CLTV of 89.99% A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;244 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/20/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 50.33% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.33% is less than Guideline CLTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;244 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/20/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 50.33% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 50.33% is less than Guideline CLTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;277 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/15/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;277 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/15/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;277 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/15/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/20/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 75% is less than Guideline LTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;341 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/19/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. B A |
| &nbsp;&nbsp;&nbsp;341 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/19/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/20/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. B A |
| &nbsp;&nbsp;&nbsp;341 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/18/2026 | Acknowledged | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Acknowledged, accepting 2/B grading | 05/19/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;239 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/20/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 78.1% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.1% is less than Guideline CLTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;239 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/21/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 78.1% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.1% is less than Guideline CLTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;239 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/19/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum — Calculated LTV of 78.1% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 78.1% is less than Guideline CLTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;240 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/20/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;240 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/19/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;240 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/21/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;276 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/20/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 67% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67% is less than Guideline CLTV of 80% A |
| &nbsp;&nbsp;&nbsp;276 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/19/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 67% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67% is less than Guideline CLTV of 80% A |

---

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;276 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/19/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/22/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 67% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 67% is less than Guideline CLTV of 80% A |
| &nbsp;&nbsp;&nbsp;352 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/20/2026 | Acknowledged | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Acknowledged, accepting 2/B grading | 05/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| &nbsp;&nbsp;&nbsp;352 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/19/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |
| &nbsp;&nbsp;&nbsp;352 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/19/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/22/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% B A |

---

------

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;356 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/19/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/22/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.76% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 58.76% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;356 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/19/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/22/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.76% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 58.76% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;356 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/20/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/22/2026 | Original CLTV is Below the Guideline Maximum — Calculated CLTV of 58.76% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum — Calculated LTV of 58.76% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;358 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/20/2026 | Resolved | FCRE1322 | Credit | Borrower 1<br>Business<br>Tax<br>Returns<br>Missing | Borrower 1 Business Tax Returns Missing Missing XXX 1120s Business Tax Returns all pages. | Document Uploaded. XXX 1120s Tax Returns | 05/22/2026 | Borrower 1 Business Tax Returns Provided; Client provided XXX-S for XXXL. LM Updated. | 05/26/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;358 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/19/2026 | Acknowledged | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Acknowledged, accepting 2/B grading | 05/22/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B A |
| &nbsp;&nbsp;&nbsp;358 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/19/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/22/2026 | Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time — Borrower has XXX years on job. D B A |
| &nbsp;&nbsp;&nbsp;241 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/22/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 62.96% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.96% is less than Guideline CLTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;241 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/22/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 62.96% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.96% is less than Guideline CLTV of 89.99% A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;241 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/22/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 05/27/2026 | Original LTV is Below the Guideline Maximum — Calculated LTV of 62.96% is less than Guideline LTV of 89.99% \| Borrower has stable job time — Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 62.96% is less than Guideline CLTV of 89.99% A |
| &nbsp;&nbsp;&nbsp;245 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/22/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;245 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/22/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |
| &nbsp;&nbsp;&nbsp;245 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/22/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/27/2026 | Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. — Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time — Borrower has XXX years on job. A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;266 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/22/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.98% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 64.98% is less than Guideline LTV of 80% A |
| &nbsp;&nbsp;&nbsp;266 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/21/2026 | Resolved | FPRO8998 | Property | No<br>Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.98% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 64.98% is less than Guideline LTV of 80% A |
| &nbsp;&nbsp;&nbsp;266 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/21/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 64.98% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 64.98% is less than Guideline LTV of 80% A |
| &nbsp;&nbsp;&nbsp;279 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/26/2026 | Resolved | FCOM8997 | Compliance | No<br>Compliance<br>Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.51% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 59.51% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan<br>Number** | **Seller<br>Loan<br>Number** | **Originator** | **Last<br>Name** | **Note<br>Date** | **Original<br>Balance** | **State** | **TPR<br>QM<br>ATR<br>Status** | **Loan<br>Status** | **Exception<br>Date** | **Remediation<br>Status** | **Exception<br>ID** | **Exception<br>Type** | **Exception<br>Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception<br>Rebuttal<br>Response<br>Date** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;279 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/21/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.51% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 59.51% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;279 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/21/2026 | Resolved | FCRE8999 | Credit | No Credit<br>Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum — Calculated CLTV of 59.51% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum — Calculated LTV of 59.51% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum — Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| &nbsp;&nbsp;&nbsp;347 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/22/2026 | Acknowledged | FCOM5135 | Compliance | Missing<br>Required<br>Affiliated<br>Business<br>Disclosure | Required Affiliated Business Disclosure Missing. Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  |  | Acknowledged, accepting 2/B grading. | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. B A |
| &nbsp;&nbsp;&nbsp;347 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/26/2026 | Acknowledged | FCRE1182 | Credit | Approval/<br>Underwriting<br>Summary<br>Not Provided | Missing Approval/Underwriting Summary. Missing transmittal summary XXX |  |  | Acknowledged, accepting 2/B grading. | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. B A |
| &nbsp;&nbsp;&nbsp;347 |  | XXX | XXXXX | XX/<br>XX/<br>XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan<br>Review<br>Complete | 05/26/2026 | Resolved | FPRO8998 | Property | No Property<br>Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 05/27/2026 | Borrower has stable job time — Borrower has XXX years on job. B A |

---

## Exhibit 99.8

**EXHIBIT 99.8** 

**CONSOLIDATED ANALYTICS DATA COMPARE REPORT** 

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 119 | Total Qualified Assets Post-Close | XX/XX/XXXX | XX/XX/XXXX | True data is assets available after closing. |
| 298 | Property Address | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 298 | Occupancy | XX/XX/XXXX | XX/XX/XXXX |  |
| 298 | Qualifying FICO | XX/XX/XXXX | XX/XX/XXXX | Per Credit Liabilites |
| 298 | Total Closing Costs | XX/XX/XXXX | XX/XX/XXXX | compliance |
| 298 | Total Qualified Assets Post-Close | XX/XX/XXXX | XX/XX/XXXX | Per Assets |
| 122 | Total Qualified Assets Post-Close | XX/XX/XXXX | XX/XX/XXXX | Confirmed with system calculations |
| 122 | Escrow Waiver in File | XX/XX/XXXX | XX/XX/XXXX | Compliance |
| 123 | Qualifying FICO | XX/XX/XXXX | XX/XX/XXXX | Confirmed |
| 123 | Total Qualified Assets Post-Close | XX/XX/XXXX | XX/XX/XXXX | Confirmed with the system calculations. |
| 299 | Total Qualified Assets Post-Close | XX/XX/XXXX | XX/XX/XXXX | Post close assets are correct |
| 299 | Escrow Waiver in File | XX/XX/XXXX | XX/XX/XXXX | Mapping issue |
| 303 | Note Date | XX/XX/XXXX | XX/XX/XXXX | The XXX is XX/XX/XXXX per note in file which matches the tape data |
| 303 | Loan Purpose | XX/XX/XXXX | XX/XX/XXXX | Subject is a XXX. The tape data is more specific as a Refi-no cash out |
| 303 | Refinance Type | XX/XX/XXXX | XX/XX/XXXX | The subject is a limited cash out which matches the tape data. The discrepancy is because there are no spaces in the tapedata |
| 303 | Loan Product Type | XX/XX/XXXX | XX/XX/XXXX | The subject is a XXX year fixed. The tape data is more specific which is not an available drop down option |
| 126 | Note Date | XX/XX/XXXX | XX/XX/XXXX | XXX matches and is correct as per final note. |
| 126 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | XXX matches and is correct as per final note. |
| 126 | Refinance Type | XX/XX/XXXX | XX/XX/XXXX | XXX is correct as per XXX and lender approval. |
| 126 | Loan Purpose | XX/XX/XXXX | XX/XX/XXXX | XXX is correct as per XXX final CD and lender approval. |
| 126 | Loan Product Type | XX/XX/XXXX | XX/XX/XXXX | Loan product is correct as per lender guidelines, XXX and lock confirmation. |
| 132 | Property Type | XX/XX/XXXX | XX/XX/XXXX | XXX per appraisal is single family |
| 132 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | XXX is XX/XX/XXXX |
| 133 | Property Type | XX/XX/XXXX | XX/XX/XXXX | verified per appraisal |
| 129 | Property Type | XX/XX/XXXX | XX/XX/XXXX | XXX |

---

------

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 300 | Property Address | XX/XX/XXXX | XX/XX/XXXX | Confirmed Street as spelled out as per the Note |
| 253 | Property Type | XX/XX/XXXX | XX/XX/XXXX | Updated as per Appraisal document |
| 281 | Qualifying LTV | XX/XX/XXXX | XX/XX/XXXX | Rounding issue. |
| 281 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Audit DTI matches DU. |
| 284 | Qualifying LTV | XX/XX/XXXX | XX/XX/XXXX | Calculated LTV matches with lenders calculation. Roundoff verified. XXX/XXX\*XXX%=XXX% — Roundoff to XXX%. |
| 286 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per the initial 1003 in file |
| 301 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | DTI Discrepancies Audited: Total Subject Housing Expense XXX/AUS: Total Subject Housing Expense XXX DTI Comparison DTI difference due to monthly Hazard insurance Audited DTI: Front XXX% Back XXX% XXX DTI: Front XXX% Back XXX% AUS DTI: Front XXX% Back XXX% Observation: All variances are within the allowable XXX% tolerance and meet Guideline DTI of XXX% |
| 147 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | DTI variance of True data: XXX% vs Tape Data: XXX% is due to income calculation: True data calculated B2 income for XXX: XXX (included Mortgage payable in less than XXX year for XXX: XXX and XXX: XXX) and Tape Data Excluded Mortgage payable in less than XXX year that resulted in the variance. Also there was a small difference in the XXX U. XXX Joes, Co XXX — True data used XXX = Taxes XXX (page XXX) + Hazard Insurance XXX (page: XXX) Vs Tape Data: -$XXX. |
| 153 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | The total housing expense for the retained residence at XXX XXX was found to be XXX per month vs XXX per month reflected on the REO section of the 1003. |
| 282 | Property Type | XX/XX/XXXX | XX/XX/XXXX | XXX captured as per AVM and Desk review |
| 143 | Property Type | XX/XX/XXXX | XX/XX/XXXX | XXX updated as per Appraisal doc. |
| 143 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Difference is the rental income calculations |
| 307 | Property Address | XX/XX/XXXX | XX/XX/XXXX | Updated as per the Note document available in the package. |
| 307 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Updated as per the income and credit documents available. |
| 311 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Audit_calculated from diligence and verified income/expenses, rounding issues perhaps, |
| 136 | Property Type | XX/XX/XXXX | XX/XX/XXXX | Confirmed the SFD as per the appraisal |
| 165 | Property Type | XX/XX/XXXX | XX/XX/XXXX | Data matches the difference is format. |
| 249 | Property Address | XX/XX/XXXX | XX/XX/XXXX | True data reflects the unabbreviated street address as it is on the Note in file. |
| 249 | Qualifying LTV | XX/XX/XXXX | XX/XX/XXXX | Reduced the sales price on the Property page from XXX to XXX which was the XXX difference between the XXX in Seller Credits and XXX in Closing Costs. |
| 128 | Property Zip Code | XX/XX/XXXX | XX/XX/XXXX | Confirmed the Note reflects the zip code of XXX |
| 128 | Occupancy | XX/XX/XXXX | XX/XX/XXXX | Confirmed subject XXX is XXX. |
| 128 | Property Type | XX/XX/XXXX | XX/XX/XXXX | Confirmed XXX per appraisal is XXX. |
| 128 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Confirmed qualifying total debt income ratio is XXX%. DTI also matches DU #XXX, dated XXX/XXX/XXX. |
| 167 | Property Type | XX/XX/XXXX | XX/XX/XXXX | XXX updated as per Appraisal. and avm |
| 148 | Property Address | XX/XX/XXXX | XX/XX/XXXX | Updated as Per Note. |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 312 | Property Address | XX/XX/XXXX | XX/XX/XXXX | Confirmed with note |
| 158 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | QM total debt to income ratio calculates to XXX% below AUS of XXX% AUS did not calculate borrower ! additional income of XXX of other income, used XXX in order to match AUS income. |
| 161 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | XXX |
| 172 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | XXX |
| 310 | Property Address | XX/XX/XXXX | XX/XX/XXXX | Confirmed per Note |
| 310 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed Per Initial 1003 |
| 310 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Audit DTI is higher due to lender omitting the hazard insurance on the REO. |
| 315 | Property Address | XX/XX/XXXX | XX/XX/XXXX | XXX matches Note pg. XXX |
| 325 | Property Address | XX/XX/XXXX | XX/XX/XXXX | XXX is updated per the note |
| 325 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | XXX has been updated per the AUS. |
| 330 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Per final submission #XXX, page XXX the final DTI was XXX% |
| 320 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Audit DTI of XXX% is slightly higher than Lender at XXX% due to the lender removed all liabilities |
| 178 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | DTI variance sourced to difference in calculation of Borrower 1 income. Lender calculated XXX while audit calculated XXX sourced from income documents provided. |
| 185 | Property Address | XX/XX/XXXX | XX/XX/XXXX | Street is spelled out on the note |
| 265 | Property Address | XX/XX/XXXX | XX/XX/XXXX | Confirmed the word South as spelled out and not abbreviated as S as per the Note |
| 265 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Audit DTI of XXX% and Lender XXX% appears to be a rounding issue |
| 192 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Upon receipt of WVOE, B2 base/OT/bonus calculation lower than what was used to qualify. Not material-remained within allowed variance. |
| 222 | Property Address | XX/XX/XXXX | XX/XX/XXXX | Verified per Note, the True Data, XXX represented as XXX XXX. The lenders Tape Data is XXX XXX. This is due to a Tape Data abbreviating Road. |
| 269 | Note Date | XX/XX/XXXX | XX/XX/XXXX | Verified with the Note, it is dated APRIL XXX |
| 269 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | DTI discrepancy due to the following: Reviewer IS NOT using lenders calculation of the monthly Bonus income XXX as it is not supported by the income documents. Reviewer is using Previous XXX Yrs AVG of XXX |
| 331 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Verified, the lender's final AUS reflects the DTI as XXX% |
| 224 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Auditor verified all income and monthly obligations. The DTI matches lenders XXX%. LM rounded up to XXX. |
| 267 | Property Type | XX/XX/XXXX | XX/XX/XXXX |  |
| 267 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX |  |
| 268 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | XXX% does not match DTI of XXX% due to lender did not include 2nd lien in the amount of XXX for property at XXX XXX in DTI calculations, adding debt is causing DTI to increase. |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 332 | Property Address | XX/XX/XXXX | XX/XX/XXXX | DRIVE IS SPELLED OUT |
| 332 | Application Date | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |
| 340 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Validated all debts and income and documented any variations frm lender's calc. |
| 348 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Verified, the lender's AUS reflect the DTI as XXX% |
| 233 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Auditor verified all income and monthly obligations including PITIA on previous primary. Using auditors calculation the RSU income was lower than used by the lender, but DTI still within guidelines. |
| 262 | Qualifying FICO | XX/XX/XXXX | XX/XX/XXXX | XXX mid score used to qualify |
| 263 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | XXX of XXX% does not match XXX DTI of XXX% due to Audited rental calculations of XXX and lender's calculations of $XXX. |
| 317 | Property Address | XX/XX/XXXX | XX/XX/XXXX | See Note |
| 317 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Rounding |
| 322 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Verified from income divided by assets audit. |
| 339 | Property Address | XX/XX/XXXX | XX/XX/XXXX | Confirmed street as spelled out and not abbreviated as St., as per the Note |
| 293 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated as per Initial and E-consent document |
| 293 | Loan Program | XX/XX/XXXX | XX/XX/XXXX | Updated as per Matrix |
| 337 | Loan Program | XX/XX/XXXX | XX/XX/XXXX | As per welcome email updated the XXX |
| 338 | Loan Program | XX/XX/XXXX | XX/XX/XXXX | Confirmed the XXX as per the Lender Approval |
| 342 | Loan Program | XX/XX/XXXX | XX/XX/XXXX | As per Welcome email XXX has been selected as XXX |
| 186 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Confirmed audit DTI of XXX%. Audit DTI increased due to calculation of B2's commission income. |
| 189 | Property Address | XX/XX/XXXX | XX/XX/XXXX | Subject XXX matches Appraisal pg. XXX |
| 194 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | XXX |
| 209 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | DTI increased due to RSU calculation. RSU averaged-YTD-$XXX +XXX- XXX + XXX-$XXX/XXX=$XXX |
| 223 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | DTI increased due to bonus calculation. bonus ($XXX+$XXX/XXX=$XXX). RetentionBo-averaged ($XXX+$XXX/XXX=$XXX) |
| 294 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Added XXX liability to XXX which reflects slight LTV. |
| 295 | Property Type | XX/XX/XXXX | XX/XX/XXXX | Confirmed Single family with XXX |
| 346 | Property Address | XX/XX/XXXX | XX/XX/XXXX | True data reflects address as it is detailed on the Note. |
| 173 | Property Address | XX/XX/XXXX | XX/XX/XXXX | XXX confirmed using Note. |

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------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 179 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Review DTI matches the DU approved by DU. There is no discrepancy. Both DTIs are within guidelines. |
| 202 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | XXX% DTI is less than guideline XXX% DTI (DTI higher than Lender DTI due to lower income for B1) |
| 227 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Auditor total expenses matches XXX-pg XXX $XXX/total income $XXX=XXX% DTI |
| 243 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX |  |
| 283 | Property Address | XX/XX/XXXX | XX/XX/XXXX | Updated as per Note document |
| 283 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | DTI XXX% is round off |
| 304 | Property Type | XX/XX/XXXX | XX/XX/XXXX |  |
| 304 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX |  |
| 345 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | variance is due to calculation of commission income - |
| 205 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Updated as per documents |
| 206 | Property Address | XX/XX/XXXX | XX/XX/XXXX | Matches the Note |
| 206 | Property Zip Code | XX/XX/XXXX | XX/XX/XXXX | Leading XXX is missing |
| 206 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | As for docoment |
| 349 | Property City | XX/XX/XXXX | XX/XX/XXXX | Confirms with Note. |
| 219 | Property Type | XX/XX/XXXX | XX/XX/XXXX | Subject is a XXX property with an HOA, however not a PUD per appraisal report |
| 242 | Property Address | XX/XX/XXXX | XX/XX/XXXX | Confirmed the same except capitalization and abbreviation, verified on appraisal in file. |
| 270 | Property Address | XX/XX/XXXX | XX/XX/XXXX |  |
| 333 | Property Address | XX/XX/XXXX | XX/XX/XXXX | Updated as per Note Document |
| 354 | Property Address | XX/XX/XXXX | XX/XX/XXXX | XXX-Per Note XXX East XXX |
| 351 | Application Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 240 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Updated as per Documents provided. PITIA & Income. Still XXX% is higher |
| 352 | Application Date | XX/XX/XXXX | XX/XX/XXXX | Updated as per Initial document |
| 352 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Verified all document |
| 356 | Property Address | XX/XX/XXXX | XX/XX/XXXX | Updated as per Note Document |
| 356 | Application Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 266 | Property Address | XX/XX/XXXX | XX/XX/XXXX | Confirmed Square as spelled out as per the Note and not abbreviated as Sq. |
| 266 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | Audit DTI of XXX% matched to the Lender's XXX of XXX% rounded up |
| 279 | QM Qualifying Total Debt Income Ratio | XX/XX/XXXX | XX/XX/XXXX | XXX is XXX |
| 347 | Property Address | XX/XX/XXXX | XX/XX/XXXX |  |

---

## Exhibit 99.9

**EXHIBIT 99.9** 

**CONSOLIDATED ANALYTICS GRADING SUMMARY REPORT** 

------

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan<br>ID** | **Original<br>Loan<br>Amount** |
| &nbsp;&nbsp;&nbsp;&nbsp; 119 |  |  | $XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 298 |  |  | $XXXXXX D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 122 |  |  | $XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 123 |  |  | $XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 299 |  |  | $XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 303 |  |  | $XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 126 |  |  | $XXXXXX A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 132 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 306 |  |  | $XXXXXX D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 133 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 129 |  |  | $XXXXXX D C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 135 |  |  | $XXXXXX A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 144 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 300 |  |  | $XXXXXX C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 156 |  |  | $XXXXXX A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 250 |  |  | $XXXXXX D C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 253 |  |  | $XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 281 |  |  | $XXXXXX D C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 284 |  |  | $XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 285 |  |  | $XXXXXX A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 286 |  |  | $XXXXXX D C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 301 |  |  | $XXXXXX D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 147 |  |  | $XXXXXX A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 153 |  |  | $XXXXXX A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 154 |  |  | $XXXXXX A C |

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------

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan<br>ID** | **Original<br>Loan<br>Amount** |
| &nbsp;&nbsp;&nbsp;&nbsp; 282 |  |  | $XXXXXX A C D B |
| &nbsp;&nbsp;&nbsp;&nbsp; 143 |  |  | $XXXXXX A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 150 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 307 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 311 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 136 |  |  | $XXXXXX A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 142 |  |  | $XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 165 |  |  | $XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 249 |  |  | $XXXXXX C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 305 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 128 |  |  | $XXXXXX A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 155 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 167 |  |  | $XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 302 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 131 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 138 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 148 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 168 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 252 |  |  | $XXXXXX B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 254 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 261 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 312 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 319 |  |  | $XXXXXX B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 169 |  |  | $XXXXXX A |

---

------

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan<br>ID** | **Original<br>Loan<br>Amount** |
| &nbsp;&nbsp;&nbsp;&nbsp; 260 |  |  | $XXXXXX A D |
| &nbsp;&nbsp;&nbsp;&nbsp; 139 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 140 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 158 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 159 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 161 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 170 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 172 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 248 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 259 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 289 |  |  | $XXXXXX A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 310 |  |  | $XXXXXX B C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 315 |  |  | $XXXXXX A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 321 |  |  | $XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 181 |  |  | $XXXXXX A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 182 |  |  | $XXXXXX A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 325 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 330 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 320 |  |  | $XXXXXX A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 178 |  |  | $XXXXXX D C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 160 |  |  | $XXXXXX D C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 184 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 185 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 188 |  |  | $XXXXXX C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 265 |  |  | $XXXXXX A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 171 |  |  | $XXXXXX A |

---

------

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan<br>ID** | **Original<br>Loan<br>Amount** |
| &nbsp;&nbsp;&nbsp;&nbsp; 192 |  |  | $XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 197 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 199 |  |  | $XXXXXX A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 222 |  |  | $XXXXXX D C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 264 |  |  | $XXXXXX A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 269 |  |  | $XXXXXX A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 316 |  |  | $XXXXXX A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 331 |  |  | $XXXXXX D C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 175 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 211 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 288 |  |  | $XXXXXX D C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 323 |  |  | $XXXXXX D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 336 |  |  | $XXXXXX A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 187 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 204 |  |  | $XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 210 |  |  | $XXXXXX A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 217 |  |  | $XXXXXX D C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 220 |  |  | $XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 224 |  |  | $XXXXXX A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 226 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 230 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 256 |  |  | $XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 267 |  |  | $XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 268 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 332 |  |  | $XXXXXX A |

---

------

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan<br>ID** | **Original<br>Loan<br>Amount** |
| &nbsp;&nbsp;&nbsp;&nbsp; 340 |  |  | $XXXXXX D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 348 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 196 |  |  | $XXXXXX C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 233 |  |  | $XXXXXX D C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 262 |  |  | $XXXXXX A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 263 |  |  | $XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 317 |  |  | $XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 322 |  |  | $XXXXXX A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 339 |  |  | $XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 293 |  |  | $XXXXXX D C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 337 |  |  | $XXXXXX A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 338 |  |  | $XXXXXX A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 342 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 125 |  |  | $XXXXXX A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 177 |  |  | $XXXXXX A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 186 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 189 |  |  | $XXXXXX D C A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 194 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 209 |  |  | $XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 223 |  |  | $XXXXXX A C |
| &nbsp;&nbsp;&nbsp;&nbsp; 236 |  |  | $XXXXXX D C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 237 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 294 |  |  | $XXXXXX D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 295 |  |  | $XXXXXX D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 346 |  |  | $XXXXXX A B |

---

------

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan<br>ID** | **Original<br>Loan<br>Amount** |
| &nbsp;&nbsp;&nbsp;&nbsp; 173 |  |  | $XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 |  |  | $XXXXXX A C B |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 213 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 218 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 227 |  |  | $XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 228 |  |  | $XXXXXX B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 234 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 243 |  |  | $XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 272 |  |  | $XXXXXX D C A |
| &nbsp;&nbsp;&nbsp;&nbsp; 283 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 304 |  |  | $XXXXXX D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 329 |  |  | $XXXXXX B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 345 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 191 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 205 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 206 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 349 |  |  | $XXXXXX D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 207 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 219 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 229 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 231 |  |  | $XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 235 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 242 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 246 |  |  | $XXXXXX A |

---

------

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan<br>ID** | **Original<br>Loan<br>Amount** |
| &nbsp;&nbsp;&nbsp;&nbsp; 270 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 296 |  |  | $XXXXXX C B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 326 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 333 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 344 |  |  | $XXXXXX D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 353 |  |  | $XXXXXX B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 354 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 232 |  |  | $XXXXXX D A |
| &nbsp;&nbsp;&nbsp;&nbsp; 271 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 351 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 244 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 277 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 341 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 239 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 240 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 276 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 352 |  |  | $XXXXXX A B |
| &nbsp;&nbsp;&nbsp;&nbsp; 356 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 358 |  |  | $XXXXXX D B A |
| &nbsp;&nbsp;&nbsp;&nbsp; 241 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 245 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 266 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 279 |  |  | $XXXXXX A |
| &nbsp;&nbsp;&nbsp;&nbsp; 347 |  |  | $XXXXXX B A |

---

## Exhibit 99.10

**EXHIBIT 99.10** 

**CONSOLIDATED ANALYTICS ATR QM REPORT** 

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan ID** | **Lender<br>Application<br>Date** | **Final QM Status** | **QM Total<br>Points and Fees** | **APR** | **Residual<br>Income** | **Borrower 1<br>Employment<br>Indicator** | **Borrower 2<br>Employment<br>Indicator** | **Borrower 1<br>Foreign<br>National<br>Indicator** | **Borrower 2<br>Foreign<br>National<br>Indicator** | **Business<br>Purpose<br>Loan?** | **Business<br>Purpose<br>Verified?** |
| &nbsp;&nbsp;&nbsp;119 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $XXX | 6.247 | 16432.61 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;298 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14504.38 | 6.674 | 148519.24 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;122 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12074 | 6.348 | 322036.33 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;123 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12413 | 6.35 | 21860.9 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;299 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4035 | 6.393 | 148111.05 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;303 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1465 | 6.146 | 41650.96 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;126 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14889 | 6.017 | 266384.44 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;132 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 18122.76 | 6.31 | 35206.2 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;306 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1995 | 6.401 | 48668.45 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;133 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 7587.16 | 6.314 | 25353.58 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;129 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 25769 | 6.339 | 20271.78 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;135 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15520.25 | 5.899 | 22313.26 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;144 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12490.76 | 6.218 | 34282.38 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;300 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 20085.81 | 6.522 | 28165.58 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;156 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 33509.04 | 6.453 | 14488.64 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;250 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2610 | 6.18 | 15823.05 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;253 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 6.253 | 29758.96 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;281 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1319 | 5.772 | 134497.82 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;284 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3159 | 6.387 | 53586.92 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;285 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5118.45 | 5.919 | 13338.95 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;286 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11528.06 | 5.984 | 56922.29 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;301 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 19640 | 6.732 | 37462.79 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;147 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14909 | 6.309 | 40789.95 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;153 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 31168.25 | 6.396 | 433295.89 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;154 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 20980.25 | 6.583 | 8708.06 | Employed |  | No |  | No |  |

---

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan ID** | **Lender<br>Application<br>Date** | **Final QM Status** | **QM Total<br>Points and Fees** | **APR** | **Residual<br>Income** | **Borrower 1<br>Employment<br>Indicator** | **Borrower 2<br>Employment<br>Indicator** | **Borrower 1<br>Foreign<br>National<br>Indicator** | **Borrower 2<br>Foreign<br>National<br>Indicator** | **Business<br>Purpose<br>Loan?** | **Business<br>Purpose<br>Verified?** |
| &nbsp;&nbsp;&nbsp;282 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5817.55 | 6.158 | 28521.63 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;143 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6168.01 | 5.937 | 6965.84 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;150 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 17020 | 6.429 | 19831.01 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;307 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 23729 | 5.878 | 8911.05 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;311 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8776.2 | 6.451 | 76511.63 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;136 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 13550.25 | 6.146 | 16207.43 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;142 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14031.5 | 6.521 | 16529.87 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;165 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4724 | 5.945 | 18796.65 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;249 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16580.93 | 6.27 | 22474.09 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;305 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1690 | 6.139 | 284904.13 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;128 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14494 | 6.01 | 31542.34 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;155 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12344 | 5.96 | 27043.09 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;167 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6792.75 | 5.764 | 35021.08 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;302 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 22202 | 6.121 | 150932.88 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;131 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 19167.8 | 6.027 | 18751.32 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;138 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16319 | 6.234 | 14590.47 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;148 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8706.5 | 5.966 | 20214.35 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;168 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9698 | 5.836 | 9626.57 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;252 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1095 | 5.896 | 47737 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;254 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8732.32 | 6.459 | 15613.81 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;261 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 21237.8 | 6.038 | 28301.5 | Employed | Retired | No | No | No |  |
| &nbsp;&nbsp;&nbsp;312 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9122.38 | 6.021 | 27340.97 | Not Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;319 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2325 | 5.94 | 20963.57 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;169 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8025 | 5.965 | 21026.98 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;260 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1095 | 6.264 | 11361.96 | Employed |  | No |  | No |  |

---

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan ID** | **Lender<br>Application<br>Date** | **Final QM Status** | **QM Total<br>Points and Fees** | **APR** | **Residual<br>Income** | **Borrower 1<br>Employment<br>Indicator** | **Borrower 2<br>Employment<br>Indicator** | **Borrower 1<br>Foreign<br>National<br>Indicator** | **Borrower 2<br>Foreign<br>National<br>Indicator** | **Business<br>Purpose<br>Loan?** | **Business<br>Purpose<br>Verified?** |
| &nbsp;&nbsp;&nbsp;139 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 21085.22 | 6.759 | 23632 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;140 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 39859.4 | 6.086 | 37345.96 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;158 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 7189 | 6.332 | 15654.4 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;159 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9155.33 | 6.493 | 15367.72 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;161 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16176.2 | 5.95 | 36865.48 | Not Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;170 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9077.28 | 5.858 | 25761.14 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;172 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6209 | 6.062 | 12467.03 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;248 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1095 | 5.911 | 29491.39 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;259 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2540 | 6.151 | 51180.16 | Employed | Retired | No | No | No |  |
| &nbsp;&nbsp;&nbsp;289 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1574 | 5.795 | 21549.05 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;310 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16500 | 5.871 | 29949.76 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;315 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2390 | 6.146 | 52036.14 | Retired |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;321 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1695 | 6.519 | 53107.63 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;181 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16708 | 6.031 | 17660.87 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;182 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8997.87 | 5.839 | -9644.44 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;325 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1695 | 6.52 | 13277.77 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;330 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2690 | 6.77 | 34675.95 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;320 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1170 | 7.272 | 67528.11 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;178 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16173.66 | 7.395 | 21488.71 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;160 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 27596.98 | 7.417 | 31420.33 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;184 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16889 | 6.537 | 38023.5 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;185 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 26207.32 | 6.534 | 32673.42 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;188 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 22698 | 6.789 | 34963.63 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;265 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4850.4 | 6.443 | 12743.07 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;171 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15539 | 6.77 | 15343.68 | Employed | Employed | No | No | No |  |

---

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan ID** | **Lender<br>Application<br>Date** | **Final QM Status** | **QM Total<br>Points and Fees** | **APR** | **Residual<br>Income** | **Borrower 1<br>Employment<br>Indicator** | **Borrower 2<br>Employment<br>Indicator** | **Borrower 1<br>Foreign<br>National<br>Indicator** | **Borrower 2<br>Foreign<br>National<br>Indicator** | **Business<br>Purpose<br>Loan?** | **Business<br>Purpose<br>Verified?** |
| &nbsp;&nbsp;&nbsp;192 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 21651 | 6.648 | 21200.36 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;197 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 13170 | 6.653 | 12393.18 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;199 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 13129.36 | 6.496 | 27269.13 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;222 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11639.15 | 6.371 | 16643.27 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;264 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 29011.14 | 5.994 | 21631.12 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;269 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1745 | 7.196 | 11276.29 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;316 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5190 | 6.294 | 31266.34 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;331 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1662 | 6.4 | 13021.4 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;175 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14545.6 | 6.636 | 50992.13 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;211 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 21476.88 | 6.425 | 18246.82 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;288 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11143 | 5.861 | 18452.38 | Retired |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;323 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1995 | 6.018 | 21294.5 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;336 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1995 | 6.897 | 11742.75 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;187 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15969 | 6.617 | 16509.66 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;204 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16879.2 | 6.506 | 25484.89 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;210 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 21937 | 6.57 | 89020.7 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;217 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14849 | 6.126 | 23456.63 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;220 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 18549.8 | 6.281 | 12515.23 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;224 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14849.13 | 5.95 | 11772.95 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;226 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12074 | 6.647 | 19544.54 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;230 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 23171.76 | 6.711 | 12429.71 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;256 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11070.58 | 5.721 | 12844.53 | Employed | Retired | No | No | No |  |
| &nbsp;&nbsp;&nbsp;267 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 24523.13 | 6.274 | 18140.57 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;268 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 6.755 | 32583.87 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;332 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3230 | 6.801 | 14210.75 | Not Employed | Employed | No | No | No |  |

---

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan ID** | **Lender<br>Application<br>Date** | **Final QM Status** | **QM Total<br>Points and Fees** | **APR** | **Residual<br>Income** | **Borrower 1<br>Employment<br>Indicator** | **Borrower 2<br>Employment<br>Indicator** | **Borrower 1<br>Foreign<br>National<br>Indicator** | **Borrower 2<br>Foreign<br>National<br>Indicator** | **Business<br>Purpose<br>Loan?** | **Business<br>Purpose<br>Verified?** |
| &nbsp;&nbsp;&nbsp;340 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 25839 | 7.036 | 43651.27 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;348 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1225 | 6.529 | 60221.09 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;196 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12012.31 | 6.353 | 13556.86 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;233 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14803.07 | 6.519 | 25594.43 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;262 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 6.381 | 12218.14 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;263 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1495 | 6.144 | 14015.33 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;317 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 17370 | 6.634 | 17432.4 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;322 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 43386.5 | 6.142 | 41773.88 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;339 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11395 | 6.38 | 66664.83 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;293 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6975.54 | 6.201 | 10665.33 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;337 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1695 | 6.294 | 15829.36 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;338 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 7539.44 | 5.914 | 40491.7 | Employed | Retired | No | No | No |  |
| &nbsp;&nbsp;&nbsp;342 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1575 | 6.393 | 107814 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;125 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8777.82 | 6.872 | 14958.05 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;177 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 31170.8 | 7.428 | 31602.83 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;186 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11169 | 6.496 | 28366.67 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;189 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 13594.7 | 6.658 | 16250.33 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;194 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 17794 | 6.641 | 15198.92 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;209 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16301.48 | 5.907 | 38612.85 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;223 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 22138.7 | 6.205 | 29428.67 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;236 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14710 | 6.522 | 27485.8 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;237 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16219 | 6.536 | 13432.78 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;294 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 18072.75 | 6.052 | 9263.87 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;295 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5100.86 | 6.299 | 16596.97 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;346 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2130 | 6.435 | 18017.71 | Employed | Employed | No | No | No |  |

---

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan ID** | **Lender<br>Application<br>Date** | **Final QM Status** | **QM Total<br>Points and Fees** | **APR** | **Residual<br>Income** | **Borrower 1<br>Employment<br>Indicator** | **Borrower 2<br>Employment<br>Indicator** | **Borrower 1<br>Foreign<br>National<br>Indicator** | **Borrower 2<br>Foreign<br>National<br>Indicator** | **Business<br>Purpose<br>Loan?** | **Business<br>Purpose<br>Verified?** |
| &nbsp;&nbsp;&nbsp;173 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 34113.33 | 6.079 | 60904.59 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;179 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 28753 | 6.004 | 56734.21 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;202 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11010.87 | 6.363 | 26512.58 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;213 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 28475.46 | 6.072 | 14222.31 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;218 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9626.54 | 5.978 | 20483.73 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;227 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15187.4 | 5.615 | 14809.32 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;228 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16161.64 | 6.226 | 28712.84 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;234 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 20591.72 | 6.237 | 17048.07 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;243 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 22587.96 | 5.975 | 20725.32 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;272 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1095 | 6.399 | 44523.93 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;283 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1569 | 5.898 | 31067.21 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;304 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1135 | 6.511 | 50006.51 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;329 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3890 | 6.164 | 28172.41 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;345 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 995 | 6.136 | 15820.97 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;191 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15606.5 | 6.145 | 12745.91 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;205 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15373.88 | 6.299 | 12826.92 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;206 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12379.2 | 6.744 | 13476.35 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;349 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1995 | 6.144 | 17869.54 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;207 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 23979 | 6.403 | 33645.15 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;219 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 17474.04 | 6.159 | 14431.36 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;229 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15749 | 6.653 | 21529 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;231 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16174.81 | 6.523 | 41148.76 | Not Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;235 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8684 | 6.074 | 17649.77 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;242 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15441.92 | 5.915 | 27951.69 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;246 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 19835 | 6.449 | 16551.38 | Not Employed | Employed | No | No | No |  |

---

------

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan ID** | **Lender<br>Application<br>Date** | **Final QM Status** | **QM Total<br>Points and Fees** | **APR** | **Residual<br>Income** | **Borrower 1<br>Employment<br>Indicator** | **Borrower 2<br>Employment<br>Indicator** | **Borrower 1<br>Foreign<br>National<br>Indicator** | **Borrower 2<br>Foreign<br>National<br>Indicator** | **Business<br>Purpose<br>Loan?** | **Business<br>Purpose<br>Verified?** |
| &nbsp;&nbsp;&nbsp;270 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1345 | 6.532 | 26943.08 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;296 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6758.8 | 6.047 | 22536.65 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;326 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1695 | 6.261 | 50831.56 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;333 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3981.95 | 6.777 | 24462.39 | Employed | Unknown | No | No | No |  |
| &nbsp;&nbsp;&nbsp;344 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 17385 | 6.208 | 60307.48 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;353 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2225 | 6.675 | 19398.69 | Retired | Retired | No | No | No |  |
| &nbsp;&nbsp;&nbsp;354 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 13710 | 6.131 | 13349.19 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;232 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 13714 | 5.873 | 15160.42 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;271 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5490 | 6.358 | 17849.09 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;351 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1500 | 6.292 | 15739.97 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;244 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 25836.5 | 6.135 | 52622.11 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;277 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3478.38 | 6.165 | 30800.51 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;341 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2913 | 6.523 | 21920.42 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;239 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6317.4 | 6.446 | 19159.86 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;240 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 25221.8 | 6.459 | 10171.17 | Employed |  | No |  | Yes | N/A |
| &nbsp;&nbsp;&nbsp;276 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16679.2 | 6.375 | 26731.83 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;352 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15174.32 | 5.96 | 18230.61 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;356 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3494.45 | 6.266 | 185883.99 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;358 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4100.47 | 5.908 | 23853.09 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;241 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11378.5 | 6.295 | 13557.54 | Employed | Not Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;245 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10554 | 5.948 | 46111 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;266 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15973.77 | 6.42 | 14625.04 | Employed | Employed | No | No | No |  |
| &nbsp;&nbsp;&nbsp;279 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2597.35 | 6.404 | 8588.23 | Employed |  | No |  | No |  |
| &nbsp;&nbsp;&nbsp;347 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1995 | 6.295 | 36344.11 | Employed | Not Employed | No | No | No |  |

---

## Exhibit 99.11

**EXHIBIT 99.11** 

**CONSOLIDATED ANALYTICS VALUATIONS SUMMARY REPORT** 

------

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan ID** | **Note Date** | **Original<br>Loan<br>Amount** | **Sales<br>Price** | **Total<br>Adjusted<br>Prior<br>Purchase<br>Price** | **Primary<br>Appraised<br>Value** | **Primary<br>Appraisal<br>Date** | **Primary Appraisal Type** | **Value for<br>LTV** | **LTV** | **CLTV** | **Loan<br>Reviewed<br>Property<br>Value** | **Loan<br>Reviewed<br>Variance<br>Amount** | **Loan<br>Reviewed<br>Variance<br>Percent** | **Loan<br>Reviewed<br>Product<br>Type** | **Loan<br>Post-<br>Close<br>Reviewed<br>Property<br>Value** | **Loan<br>Post-<br>Close<br>Reviewed<br>Variance<br>Amount** | **Loan<br>Post-<br>Close<br>Reviewed<br>Variance<br>Percent** | **Loan Post-<br>Close<br>Reviewed<br>Product<br>Type** | **Second<br>Appraisal<br>Value** | **Second<br>Appraisal<br>Variance<br>Amount** | **Second<br>Appraisal<br>Variance<br>Percent** | **Second<br>Appraisal<br>Date** | **Second<br>Appraisal<br>Type** | **AVM<br>Appraised<br>Value** | **AVM<br>Variance<br>Amount** | **AVM<br>Variance<br>Percent** | **AVM<br>Confidence<br>Score** | **FSD<br>Score** | **AVM<br>Company<br>Name** | **AVM<br>Product<br>Name** | **AVM<br>Appraisal<br>Date** | **Desk<br>Review<br>Appraised<br>Value** | **Desk<br>Review<br>Variance<br>Amount** | **Desk<br>Review<br>Variance<br>Percent** | **Desk<br>Review<br>Company** | **Desk<br>Review<br>Risk<br>Score** | **Desk<br>Review<br>Appraisal<br>Date** | **Second<br>Desk<br>Review<br>Variance<br>Amount** | **Second<br>Desk<br>Review<br>Variance<br>Percent** | **Second<br>Desk<br>Review<br>Appraisal<br>Date** | **Second<br>Desk<br>Review<br>Appraised<br>Value** | **Desk Top<br>Appraised<br>Value** | **Desk<br>Top<br>Variance<br>Amount** | **Desk<br>Top<br>Variance<br>Percent** | **Desk Top<br>Company** | **Desk Top<br>Appraisal<br>Date** | **BPO<br>Appraised<br>Value** | **BPO<br>Variance<br>Amount** | **BPO<br>Variance<br>Percent** | **BPO<br>Company** | **BPO<br>Appraisal<br>Date** | **Field<br>Review<br>Appraised<br>Value** | **Field<br>Review<br>Variance<br>Amount** | **Field<br>Review<br>Variance<br>Percent** | **Field<br>Review<br>Company** | **Field<br>Review<br>Appraisal<br>Date** | **2055<br>Appraised<br>Value** | **2055<br>Variance<br>Amount** | **2055<br>Variance<br>Percent** | **2055<br>Company** | **2055<br>Appraisal<br>Date** | **AVE/<br>CMA<br>Appraised<br>Value** | **AVE/<br>CMA<br>Variance<br>Amount** | **AVE/<br>CMA<br>Variance<br>Percent** | **AVE/<br>CMA<br>Company** | **AVE/<br>CMA<br>Appraisal<br>Date** | **Other<br>Appraised<br>Value** | **Other<br>Variance<br>Amount** | **Other<br>Variance<br>Percent** | **Other<br>Appraisal<br>Date** | **Updated<br>Appraised<br>Value** | **Updated<br>Variance<br>Amount** | **Updated<br>Variance<br>Percent** | **Updated<br>Company** | **Updated<br>Appraisal<br>Date** | **Updated<br>Appraisal<br>Type** | **Loan<br>Collateral<br>Advisor<br>Risk<br>Score** | **Loan<br>Collateral<br>Advisor<br>Risk<br>Score<br>Date** | **Is<br>Eligible<br>for Rep<br>and<br>Warrant<br>Relief per<br>Loan<br>Collateral<br>Advisor?** | **Collateral<br>Underwriter<br>Risk Score** | **Collateral<br>Underwriter<br>Risk Score<br>Date** |
| &nbsp;&nbsp;&nbsp;119 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.29 | 59.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;298 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | -.0958 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0958 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| &nbsp;&nbsp;&nbsp;122 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| &nbsp;&nbsp;&nbsp;123 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;299 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| &nbsp;&nbsp;&nbsp;303 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.82 | 68.82 | $XXX | $XXX | -.0319 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0319 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.6 |  |
| &nbsp;&nbsp;&nbsp;126 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0071 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| &nbsp;&nbsp;&nbsp;132 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;306 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0123 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0123 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| &nbsp;&nbsp;&nbsp;133 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| &nbsp;&nbsp;&nbsp;129 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0432 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0432 | 93.0 | 0.7 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| &nbsp;&nbsp;&nbsp;135 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;144 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.42 | 79.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;300 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| &nbsp;&nbsp;&nbsp;156 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.1597 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1597 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | -.0054 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| &nbsp;&nbsp;&nbsp;250 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;253 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0120 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0120 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;281 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.45 | 45.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| &nbsp;&nbsp;&nbsp;284 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.27 | 71.27 |  |  |  |  | $XXX | -2721 | -.0011 | AVM |  |  |  |  |  | $XXX | $XXX | -.0011 | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| &nbsp;&nbsp;&nbsp;285 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.08 | 76.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;286 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.55 | 73.55 | $XXX | $XXX | .0544 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0544 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;301 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.87 | 60.87 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| &nbsp;&nbsp;&nbsp;147 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| &nbsp;&nbsp;&nbsp;153 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0527 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0527 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| &nbsp;&nbsp;&nbsp;154 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0507 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0507 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |

---

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| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan ID** | **Note Date** | **Original<br>Loan<br>Amount** | **Sales<br>Price** | **Total<br>Adjusted<br>Prior<br>Purchase<br>Price** | **Primary<br>Appraised<br>Value** | **Primary<br>Appraisal<br>Date** | **Primary Appraisal Type** | **Value for<br>LTV** | **LTV** | **CLTV** | **Loan<br>Reviewed<br>Property<br>Value** | **Loan<br>Reviewed<br>Variance<br>Amount** | **Loan<br>Reviewed<br>Variance<br>Percent** | **Loan<br>Reviewed<br>Product<br>Type** | **Loan<br>Post-<br>Close<br>Reviewed<br>Property<br>Value** | **Loan<br>Post-<br>Close<br>Reviewed<br>Variance<br>Amount** | **Loan<br>Post-<br>Close<br>Reviewed<br>Variance<br>Percent** | **Loan Post-<br>Close<br>Reviewed<br>Product<br>Type** | **Second<br>Appraisal<br>Value** | **Second<br>Appraisal<br>Variance<br>Amount** | **Second<br>Appraisal<br>Variance<br>Percent** | **Second<br>Appraisal<br>Date** | **Second<br>Appraisal<br>Type** | **AVM<br>Appraised<br>Value** | **AVM<br>Variance<br>Amount** | **AVM<br>Variance<br>Percent** | **AVM<br>Confidence<br>Score** | **FSD<br>Score** | **AVM<br>Company<br>Name** | **AVM<br>Product<br>Name** | **AVM<br>Appraisal<br>Date** | **Desk<br>Review<br>Appraised<br>Value** | **Desk<br>Review<br>Variance<br>Amount** | **Desk<br>Review<br>Variance<br>Percent** | **Desk<br>Review<br>Company** | **Desk<br>Review<br>Risk<br>Score** | **Desk<br>Review<br>Appraisal<br>Date** | **Second<br>Desk<br>Review<br>Variance<br>Amount** | **Second<br>Desk<br>Review<br>Variance<br>Percent** | **Second<br>Desk<br>Review<br>Appraisal<br>Date** | **Second<br>Desk<br>Review<br>Appraised<br>Value** | **Desk Top<br>Appraised<br>Value** | **Desk<br>Top<br>Variance<br>Amount** | **Desk<br>Top<br>Variance<br>Percent** | **Desk Top<br>Company** | **Desk Top<br>Appraisal<br>Date** | **BPO<br>Appraised<br>Value** | **BPO<br>Variance<br>Amount** | **BPO<br>Variance<br>Percent** | **BPO<br>Company** | **BPO<br>Appraisal<br>Date** | **Field<br>Review<br>Appraised<br>Value** | **Field<br>Review<br>Variance<br>Amount** | **Field<br>Review<br>Variance<br>Percent** | **Field<br>Review<br>Company** | **Field<br>Review<br>Appraisal<br>Date** | **2055<br>Appraised<br>Value** | **2055<br>Variance<br>Amount** | **2055<br>Variance<br>Percent** | **2055<br>Company** | **2055<br>Appraisal<br>Date** | **AVE/<br>CMA<br>Appraised<br>Value** | **AVE/<br>CMA<br>Variance<br>Amount** | **AVE/<br>CMA<br>Variance<br>Percent** | **AVE/<br>CMA<br>Company** | **AVE/<br>CMA<br>Appraisal<br>Date** | **Other<br>Appraised<br>Value** | **Other<br>Variance<br>Amount** | **Other<br>Variance<br>Percent** | **Other<br>Appraisal<br>Date** | **Updated<br>Appraised<br>Value** | **Updated<br>Variance<br>Amount** | **Updated<br>Variance<br>Percent** | **Updated<br>Company** | **Updated<br>Appraisal<br>Date** | **Updated<br>Appraisal<br>Type** | **Loan<br>Collateral<br>Advisor<br>Risk<br>Score** | **Loan<br>Collateral<br>Advisor<br>Risk<br>Score<br>Date** | **Is<br>Eligible<br>for Rep<br>and<br>Warrant<br>Relief per<br>Loan<br>Collateral<br>Advisor?** | **Collateral<br>Underwriter<br>Risk Score** | **Collateral<br>Underwriter<br>Risk Score<br>Date** |
| &nbsp;&nbsp;&nbsp;282 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.89 | 78.89 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| &nbsp;&nbsp;&nbsp;143 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | -.0599 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0599 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.6 |  |
| &nbsp;&nbsp;&nbsp;150 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0087 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0087 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| &nbsp;&nbsp;&nbsp;307 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;311 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0368 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0368 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| &nbsp;&nbsp;&nbsp;136 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.91 | 61.91 | $XXX | $XXX | -.0204 | AVM | $XXX | -32561 | -.0204 | AVM |  |  |  |  |  | $XXX | $XXX | -.0204 | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| &nbsp;&nbsp;&nbsp;142 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| &nbsp;&nbsp;&nbsp;165 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| &nbsp;&nbsp;&nbsp;249 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.01 | 80.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| &nbsp;&nbsp;&nbsp;305 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.77 | 69.77 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;128 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.96 | 43.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| &nbsp;&nbsp;&nbsp;155 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0617 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0617 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| &nbsp;&nbsp;&nbsp;167 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.56 | 45.56 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1242 | 91.0 | 0.9 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| &nbsp;&nbsp;&nbsp;302 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .1250 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .1250 | 94.0 | 0.6 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| &nbsp;&nbsp;&nbsp;131 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| &nbsp;&nbsp;&nbsp;138 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.35 | 62.35 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0202 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;148 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.44 | 74.44 | $XXX | $XXX | .0969 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0969 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| &nbsp;&nbsp;&nbsp;168 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.17 | 67.17 | $XXX | $XXX | -.0684 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0684 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| &nbsp;&nbsp;&nbsp;252 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.62 | 64.62 | $XXX | $XXX | -.0102 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0102 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| &nbsp;&nbsp;&nbsp;254 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;261 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0046 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0046 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| &nbsp;&nbsp;&nbsp;312 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| &nbsp;&nbsp;&nbsp;319 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0435 | AVM |  |  |  |  | $XXX | $XXX | -.0472 | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | -.0435 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| &nbsp;&nbsp;&nbsp;169 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.77 | 77.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;260 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.47 | 76.47 | $XXX | $XXX | -.0683 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0683 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |

---

------

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| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan ID** | **Note Date** | **Original<br>Loan<br>Amount** | **Sales<br>Price** | **Total<br>Adjusted<br>Prior<br>Purchase<br>Price** | **Primary<br>Appraised<br>Value** | **Primary<br>Appraisal<br>Date** | **Primary Appraisal Type** | **Value for<br>LTV** | **LTV** | **CLTV** | **Loan<br>Reviewed<br>Property<br>Value** | **Loan<br>Reviewed<br>Variance<br>Amount** | **Loan<br>Reviewed<br>Variance<br>Percent** | **Loan<br>Reviewed<br>Product<br>Type** | **Loan<br>Post-<br>Close<br>Reviewed<br>Property<br>Value** | **Loan<br>Post-<br>Close<br>Reviewed<br>Variance<br>Amount** | **Loan<br>Post-<br>Close<br>Reviewed<br>Variance<br>Percent** | **Loan Post-<br>Close<br>Reviewed<br>Product<br>Type** | **Second<br>Appraisal<br>Value** | **Second<br>Appraisal<br>Variance<br>Amount** | **Second<br>Appraisal<br>Variance<br>Percent** | **Second<br>Appraisal<br>Date** | **Second<br>Appraisal<br>Type** | **AVM<br>Appraised<br>Value** | **AVM<br>Variance<br>Amount** | **AVM<br>Variance<br>Percent** | **AVM<br>Confidence<br>Score** | **FSD<br>Score** | **AVM<br>Company<br>Name** | **AVM<br>Product<br>Name** | **AVM<br>Appraisal<br>Date** | **Desk<br>Review<br>Appraised<br>Value** | **Desk<br>Review<br>Variance<br>Amount** | **Desk<br>Review<br>Variance<br>Percent** | **Desk<br>Review<br>Company** | **Desk<br>Review<br>Risk<br>Score** | **Desk<br>Review<br>Appraisal<br>Date** | **Second<br>Desk<br>Review<br>Variance<br>Amount** | **Second<br>Desk<br>Review<br>Variance<br>Percent** | **Second<br>Desk<br>Review<br>Appraisal<br>Date** | **Second<br>Desk<br>Review<br>Appraised<br>Value** | **Desk Top<br>Appraised<br>Value** | **Desk<br>Top<br>Variance<br>Amount** | **Desk<br>Top<br>Variance<br>Percent** | **Desk Top<br>Company** | **Desk Top<br>Appraisal<br>Date** | **BPO<br>Appraised<br>Value** | **BPO<br>Variance<br>Amount** | **BPO<br>Variance<br>Percent** | **BPO<br>Company** | **BPO<br>Appraisal<br>Date** | **Field<br>Review<br>Appraised<br>Value** | **Field<br>Review<br>Variance<br>Amount** | **Field<br>Review<br>Variance<br>Percent** | **Field<br>Review<br>Company** | **Field<br>Review<br>Appraisal<br>Date** | **2055<br>Appraised<br>Value** | **2055<br>Variance<br>Amount** | **2055<br>Variance<br>Percent** | **2055<br>Company** | **2055<br>Appraisal<br>Date** | **AVE/<br>CMA<br>Appraised<br>Value** | **AVE/<br>CMA<br>Variance<br>Amount** | **AVE/<br>CMA<br>Variance<br>Percent** | **AVE/<br>CMA<br>Company** | **AVE/<br>CMA<br>Appraisal<br>Date** | **Other<br>Appraised<br>Value** | **Other<br>Variance<br>Amount** | **Other<br>Variance<br>Percent** | **Other<br>Appraisal<br>Date** | **Updated<br>Appraised<br>Value** | **Updated<br>Variance<br>Amount** | **Updated<br>Variance<br>Percent** | **Updated<br>Company** | **Updated<br>Appraisal<br>Date** | **Updated<br>Appraisal<br>Type** | **Loan<br>Collateral<br>Advisor<br>Risk<br>Score** | **Loan<br>Collateral<br>Advisor<br>Risk<br>Score<br>Date** | **Is<br>Eligible<br>for Rep<br>and<br>Warrant<br>Relief per<br>Loan<br>Collateral<br>Advisor?** | **Collateral<br>Underwriter<br>Risk Score** | **Collateral<br>Underwriter<br>Risk Score<br>Date** |
| &nbsp;&nbsp;&nbsp;139 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.13 | 75.13 | $XXX | $XXX | -.0628 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0628 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;140 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.96 | 65.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;158 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.48 | 77.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;159 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.52 | 79.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;161 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.81 | 58.81 |  |  |  |  |  |  |  |  | $XXX | $XXX | .1391 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| &nbsp;&nbsp;&nbsp;170 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.99 | 65.99 | $XXX | $XXX | .0032 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0032 | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;172 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  | Eligible | 3.6 |  |
| &nbsp;&nbsp;&nbsp;248 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.43 | 57.43 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| &nbsp;&nbsp;&nbsp;259 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.66 | 77.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| &nbsp;&nbsp;&nbsp;289 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.92 | 70.92 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .1277 | 83.0 | 0.17 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;310 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.12 | 62.12 | $XXX | $XXX | -.0931 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0931 | 96.0 | 0.4 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| &nbsp;&nbsp;&nbsp;315 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.18 | 63.18 | $XXX | $XXX | -.1568 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1568 | 81.0 | 0.19 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| &nbsp;&nbsp;&nbsp;321 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0158 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0158 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;181 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 30.55 | 30.55 | $XXX | $XXX | -.0619 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0619 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| &nbsp;&nbsp;&nbsp;182 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 72.06 | 72.06 | $XXX | $XXX | -.0334 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0334 | 84.0 | 0.16 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| &nbsp;&nbsp;&nbsp;325 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.86 | 57.86 | $XXX | $XXX | -.0121 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0121 | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;330 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0094 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0094 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.6 |  |
| &nbsp;&nbsp;&nbsp;320 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| &nbsp;&nbsp;&nbsp;178 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | -104284 | -.0695 | AVM |  |  |  |  |  | $XXX | $XXX | -.0695 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| &nbsp;&nbsp;&nbsp;160 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0833 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0833 | 93.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| &nbsp;&nbsp;&nbsp;184 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.33 | 74.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| &nbsp;&nbsp;&nbsp;185 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.49 | 78.49 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| &nbsp;&nbsp;&nbsp;188 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.3127 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.3127 | 82.0 | 0.18 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| &nbsp;&nbsp;&nbsp;265 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| &nbsp;&nbsp;&nbsp;171 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.84 | 74.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |

---

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| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan ID** | **Note Date** | **Original<br>Loan<br>Amount** | **Sales<br>Price** | **Total<br>Adjusted<br>Prior<br>Purchase<br>Price** | **Primary<br>Appraised<br>Value** | **Primary<br>Appraisal<br>Date** | **Primary Appraisal Type** | **Value for<br>LTV** | **LTV** | **CLTV** | **Loan<br>Reviewed<br>Property<br>Value** | **Loan<br>Reviewed<br>Variance<br>Amount** | **Loan<br>Reviewed<br>Variance<br>Percent** | **Loan<br>Reviewed<br>Product<br>Type** | **Loan<br>Post-<br>Close<br>Reviewed<br>Property<br>Value** | **Loan<br>Post-<br>Close<br>Reviewed<br>Variance<br>Amount** | **Loan<br>Post-<br>Close<br>Reviewed<br>Variance<br>Percent** | **Loan Post-<br>Close<br>Reviewed<br>Product<br>Type** | **Second<br>Appraisal<br>Value** | **Second<br>Appraisal<br>Variance<br>Amount** | **Second<br>Appraisal<br>Variance<br>Percent** | **Second<br>Appraisal<br>Date** | **Second<br>Appraisal<br>Type** | **AVM<br>Appraised<br>Value** | **AVM<br>Variance<br>Amount** | **AVM<br>Variance<br>Percent** | **AVM<br>Confidence<br>Score** | **FSD<br>Score** | **AVM<br>Company<br>Name** | **AVM<br>Product<br>Name** | **AVM<br>Appraisal<br>Date** | **Desk<br>Review<br>Appraised<br>Value** | **Desk<br>Review<br>Variance<br>Amount** | **Desk<br>Review<br>Variance<br>Percent** | **Desk<br>Review<br>Company** | **Desk<br>Review<br>Risk<br>Score** | **Desk<br>Review<br>Appraisal<br>Date** | **Second<br>Desk<br>Review<br>Variance<br>Amount** | **Second<br>Desk<br>Review<br>Variance<br>Percent** | **Second<br>Desk<br>Review<br>Appraisal<br>Date** | **Second<br>Desk<br>Review<br>Appraised<br>Value** | **Desk Top<br>Appraised<br>Value** | **Desk<br>Top<br>Variance<br>Amount** | **Desk<br>Top<br>Variance<br>Percent** | **Desk Top<br>Company** | **Desk Top<br>Appraisal<br>Date** | **BPO<br>Appraised<br>Value** | **BPO<br>Variance<br>Amount** | **BPO<br>Variance<br>Percent** | **BPO<br>Company** | **BPO<br>Appraisal<br>Date** | **Field<br>Review<br>Appraised<br>Value** | **Field<br>Review<br>Variance<br>Amount** | **Field<br>Review<br>Variance<br>Percent** | **Field<br>Review<br>Company** | **Field<br>Review<br>Appraisal<br>Date** | **2055<br>Appraised<br>Value** | **2055<br>Variance<br>Amount** | **2055<br>Variance<br>Percent** | **2055<br>Company** | **2055<br>Appraisal<br>Date** | **AVE/<br>CMA<br>Appraised<br>Value** | **AVE/<br>CMA<br>Variance<br>Amount** | **AVE/<br>CMA<br>Variance<br>Percent** | **AVE/<br>CMA<br>Company** | **AVE/<br>CMA<br>Appraisal<br>Date** | **Other<br>Appraised<br>Value** | **Other<br>Variance<br>Amount** | **Other<br>Variance<br>Percent** | **Other<br>Appraisal<br>Date** | **Updated<br>Appraised<br>Value** | **Updated<br>Variance<br>Amount** | **Updated<br>Variance<br>Percent** | **Updated<br>Company** | **Updated<br>Appraisal<br>Date** | **Updated<br>Appraisal<br>Type** | **Loan<br>Collateral<br>Advisor<br>Risk<br>Score** | **Loan<br>Collateral<br>Advisor<br>Risk<br>Score<br>Date** | **Is<br>Eligible<br>for Rep<br>and<br>Warrant<br>Relief per<br>Loan<br>Collateral<br>Advisor?** | **Collateral<br>Underwriter<br>Risk Score** | **Collateral<br>Underwriter<br>Risk Score<br>Date** |
| &nbsp;&nbsp;&nbsp;192 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;197 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| &nbsp;&nbsp;&nbsp;199 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0959 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0959 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| &nbsp;&nbsp;&nbsp;222 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| &nbsp;&nbsp;&nbsp;264 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;269 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0770 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0770 | 97.0 | 0.3 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| &nbsp;&nbsp;&nbsp;316 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| &nbsp;&nbsp;&nbsp;331 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| &nbsp;&nbsp;&nbsp;175 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0116 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0116 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| &nbsp;&nbsp;&nbsp;211 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| &nbsp;&nbsp;&nbsp;288 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0295 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0295 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| &nbsp;&nbsp;&nbsp;323 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .1281 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .1281 | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| &nbsp;&nbsp;&nbsp;336 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.15 | 78.15 | $XXX | $XXX | -.0246 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0246 | 92.0 | 0.8 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;187 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.1313 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1313 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0526 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| &nbsp;&nbsp;&nbsp;204 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.1102 | AVM | $XXX | $XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  | $XXX | $XXX | -.1102 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | -.1507 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| &nbsp;&nbsp;&nbsp;210 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| &nbsp;&nbsp;&nbsp;217 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| &nbsp;&nbsp;&nbsp;220 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.74 | 79.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;224 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| &nbsp;&nbsp;&nbsp;226 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.92 | 76.92 | $XXX | $XXX | -.1016 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1016 | 94.0 | 0.6 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | -.0005 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| &nbsp;&nbsp;&nbsp;230 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0286 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0286 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| &nbsp;&nbsp;&nbsp;256 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.53 | 73.28 | $XXX | $XXX | -.2404 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.2404 | 80.0 | 0.2 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | -.0378 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.4 |  |
| &nbsp;&nbsp;&nbsp;267 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0302 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0302 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;268 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;332 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.23 | 79.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |

---

------

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| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan ID** | **Note Date** | **Original<br>Loan<br>Amount** | **Sales<br>Price** | **Total<br>Adjusted<br>Prior<br>Purchase<br>Price** | **Primary<br>Appraised<br>Value** | **Primary<br>Appraisal<br>Date** | **Primary Appraisal Type** | **Value for<br>LTV** | **LTV** | **CLTV** | **Loan<br>Reviewed<br>Property<br>Value** | **Loan<br>Reviewed<br>Variance<br>Amount** | **Loan<br>Reviewed<br>Variance<br>Percent** | **Loan<br>Reviewed<br>Product<br>Type** | **Loan<br>Post-<br>Close<br>Reviewed<br>Property<br>Value** | **Loan<br>Post-<br>Close<br>Reviewed<br>Variance<br>Amount** | **Loan<br>Post-<br>Close<br>Reviewed<br>Variance<br>Percent** | **Loan Post-<br>Close<br>Reviewed<br>Product<br>Type** | **Second<br>Appraisal<br>Value** | **Second<br>Appraisal<br>Variance<br>Amount** | **Second<br>Appraisal<br>Variance<br>Percent** | **Second<br>Appraisal<br>Date** | **Second<br>Appraisal<br>Type** | **AVM<br>Appraised<br>Value** | **AVM<br>Variance<br>Amount** | **AVM<br>Variance<br>Percent** | **AVM<br>Confidence<br>Score** | **FSD<br>Score** | **AVM<br>Company<br>Name** | **AVM<br>Product<br>Name** | **AVM<br>Appraisal<br>Date** | **Desk<br>Review<br>Appraised<br>Value** | **Desk<br>Review<br>Variance<br>Amount** | **Desk<br>Review<br>Variance<br>Percent** | **Desk<br>Review<br>Company** | **Desk<br>Review<br>Risk<br>Score** | **Desk<br>Review<br>Appraisal<br>Date** | **Second<br>Desk<br>Review<br>Variance<br>Amount** | **Second<br>Desk<br>Review<br>Variance<br>Percent** | **Second<br>Desk<br>Review<br>Appraisal<br>Date** | **Second<br>Desk<br>Review<br>Appraised<br>Value** | **Desk Top<br>Appraised<br>Value** | **Desk<br>Top<br>Variance<br>Amount** | **Desk<br>Top<br>Variance<br>Percent** | **Desk Top<br>Company** | **Desk Top<br>Appraisal<br>Date** | **BPO<br>Appraised<br>Value** | **BPO<br>Variance<br>Amount** | **BPO<br>Variance<br>Percent** | **BPO<br>Company** | **BPO<br>Appraisal<br>Date** | **Field<br>Review<br>Appraised<br>Value** | **Field<br>Review<br>Variance<br>Amount** | **Field<br>Review<br>Variance<br>Percent** | **Field<br>Review<br>Company** | **Field<br>Review<br>Appraisal<br>Date** | **2055<br>Appraised<br>Value** | **2055<br>Variance<br>Amount** | **2055<br>Variance<br>Percent** | **2055<br>Company** | **2055<br>Appraisal<br>Date** | **AVE/<br>CMA<br>Appraised<br>Value** | **AVE/<br>CMA<br>Variance<br>Amount** | **AVE/<br>CMA<br>Variance<br>Percent** | **AVE/<br>CMA<br>Company** | **AVE/<br>CMA<br>Appraisal<br>Date** | **Other<br>Appraised<br>Value** | **Other<br>Variance<br>Amount** | **Other<br>Variance<br>Percent** | **Other<br>Appraisal<br>Date** | **Updated<br>Appraised<br>Value** | **Updated<br>Variance<br>Amount** | **Updated<br>Variance<br>Percent** | **Updated<br>Company** | **Updated<br>Appraisal<br>Date** | **Updated<br>Appraisal<br>Type** | **Loan<br>Collateral<br>Advisor<br>Risk<br>Score** | **Loan<br>Collateral<br>Advisor<br>Risk<br>Score<br>Date** | **Is<br>Eligible<br>for Rep<br>and<br>Warrant<br>Relief per<br>Loan<br>Collateral<br>Advisor?** | **Collateral<br>Underwriter<br>Risk Score** | **Collateral<br>Underwriter<br>Risk Score<br>Date** |
| &nbsp;&nbsp;&nbsp;340 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.98 | 74.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| &nbsp;&nbsp;&nbsp;348 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | 1004 URAR |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | -.1597 | 86.0 | 0.14 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| &nbsp;&nbsp;&nbsp;196 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.15 | 66.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;233 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0053 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0053 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;262 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.92 | 76.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| &nbsp;&nbsp;&nbsp;263 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0556 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0556 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| &nbsp;&nbsp;&nbsp;317 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| &nbsp;&nbsp;&nbsp;322 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| &nbsp;&nbsp;&nbsp;339 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 49.7 | 49.7 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0005 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;293 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.99 | 77.99 | $XXX | $XXX | .2479 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .2479 | 93.0 | 0.7 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;337 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.01 | 63.01 | $XXX | $XXX | .0109 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0109 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;338 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.66 | 55.66 | $XXX | $XXX | -.0182 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0182 | 96.0 | 0.4 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| &nbsp;&nbsp;&nbsp;342 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0427 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0427 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| &nbsp;&nbsp;&nbsp;125 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.09 | 67.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;177 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0189 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0189 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| &nbsp;&nbsp;&nbsp;186 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| &nbsp;&nbsp;&nbsp;189 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.39 | 74.39 | $XXX | $XXX | -.0544 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0544 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| &nbsp;&nbsp;&nbsp;194 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.86 | 67.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| &nbsp;&nbsp;&nbsp;209 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0139 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0139 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| &nbsp;&nbsp;&nbsp;223 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;236 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.57 | 78.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;237 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.1573 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1573 | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| &nbsp;&nbsp;&nbsp;294 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.96 | 63.96 | $XXX | $XXX | .0472 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0472 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| &nbsp;&nbsp;&nbsp;295 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.7 | 74.7 | $XXX | $XXX | -.0251 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0251 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;346 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.1670 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1670 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |

---

------

---

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| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan ID** | **Note Date** | **Original<br>Loan<br>Amount** | **Sales<br>Price** | **Total<br>Adjusted<br>Prior<br>Purchase<br>Price** | **Primary<br>Appraised<br>Value** | **Primary<br>Appraisal<br>Date** | **Primary Appraisal Type** | **Value for<br>LTV** | **LTV** | **CLTV** | **Loan<br>Reviewed<br>Property<br>Value** | **Loan<br>Reviewed<br>Variance<br>Amount** | **Loan<br>Reviewed<br>Variance<br>Percent** | **Loan<br>Reviewed<br>Product<br>Type** | **Loan<br>Post-<br>Close<br>Reviewed<br>Property<br>Value** | **Loan<br>Post-<br>Close<br>Reviewed<br>Variance<br>Amount** | **Loan<br>Post-<br>Close<br>Reviewed<br>Variance<br>Percent** | **Loan Post-<br>Close<br>Reviewed<br>Product<br>Type** | **Second<br>Appraisal<br>Value** | **Second<br>Appraisal<br>Variance<br>Amount** | **Second<br>Appraisal<br>Variance<br>Percent** | **Second<br>Appraisal<br>Date** | **Second<br>Appraisal<br>Type** | **AVM<br>Appraised<br>Value** | **AVM<br>Variance<br>Amount** | **AVM<br>Variance<br>Percent** | **AVM<br>Confidence<br>Score** | **FSD<br>Score** | **AVM<br>Company<br>Name** | **AVM<br>Product<br>Name** | **AVM<br>Appraisal<br>Date** | **Desk<br>Review<br>Appraised<br>Value** | **Desk<br>Review<br>Variance<br>Amount** | **Desk<br>Review<br>Variance<br>Percent** | **Desk<br>Review<br>Company** | **Desk<br>Review<br>Risk<br>Score** | **Desk<br>Review<br>Appraisal<br>Date** | **Second<br>Desk<br>Review<br>Variance<br>Amount** | **Second<br>Desk<br>Review<br>Variance<br>Percent** | **Second<br>Desk<br>Review<br>Appraisal<br>Date** | **Second<br>Desk<br>Review<br>Appraised<br>Value** | **Desk Top<br>Appraised<br>Value** | **Desk<br>Top<br>Variance<br>Amount** | **Desk<br>Top<br>Variance<br>Percent** | **Desk Top<br>Company** | **Desk Top<br>Appraisal<br>Date** | **BPO<br>Appraised<br>Value** | **BPO<br>Variance<br>Amount** | **BPO<br>Variance<br>Percent** | **BPO<br>Company** | **BPO<br>Appraisal<br>Date** | **Field<br>Review<br>Appraised<br>Value** | **Field<br>Review<br>Variance<br>Amount** | **Field<br>Review<br>Variance<br>Percent** | **Field<br>Review<br>Company** | **Field<br>Review<br>Appraisal<br>Date** | **2055<br>Appraised<br>Value** | **2055<br>Variance<br>Amount** | **2055<br>Variance<br>Percent** | **2055<br>Company** | **2055<br>Appraisal<br>Date** | **AVE/<br>CMA<br>Appraised<br>Value** | **AVE/<br>CMA<br>Variance<br>Amount** | **AVE/<br>CMA<br>Variance<br>Percent** | **AVE/<br>CMA<br>Company** | **AVE/<br>CMA<br>Appraisal<br>Date** | **Other<br>Appraised<br>Value** | **Other<br>Variance<br>Amount** | **Other<br>Variance<br>Percent** | **Other<br>Appraisal<br>Date** | **Updated<br>Appraised<br>Value** | **Updated<br>Variance<br>Amount** | **Updated<br>Variance<br>Percent** | **Updated<br>Company** | **Updated<br>Appraisal<br>Date** | **Updated<br>Appraisal<br>Type** | **Loan<br>Collateral<br>Advisor<br>Risk<br>Score** | **Loan<br>Collateral<br>Advisor<br>Risk<br>Score<br>Date** | **Is<br>Eligible<br>for Rep<br>and<br>Warrant<br>Relief per<br>Loan<br>Collateral<br>Advisor?** | **Collateral<br>Underwriter<br>Risk Score** | **Collateral<br>Underwriter<br>Risk Score<br>Date** |
| &nbsp;&nbsp;&nbsp;173 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.8 | 70.8 | $XXX | $XXX | -.0354 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0354 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| &nbsp;&nbsp;&nbsp;179 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;202 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;213 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| &nbsp;&nbsp;&nbsp;218 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0210 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0210 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;227 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;228 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0228 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0228 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| &nbsp;&nbsp;&nbsp;234 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| &nbsp;&nbsp;&nbsp;243 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0406 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0406 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.4 |  |
| &nbsp;&nbsp;&nbsp;272 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.93 | 60.93 | $XXX | $XXX | -.0023 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0023 | 87.0 | 0.13 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| &nbsp;&nbsp;&nbsp;283 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.54 | 68.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;304 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| &nbsp;&nbsp;&nbsp;329 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.04 | 69.04 | $XXX | $XXX | -.0435 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1196 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | -.0435 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| &nbsp;&nbsp;&nbsp;345 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.1 | 55.1 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| &nbsp;&nbsp;&nbsp;191 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0355 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0355 | 85.0 | 0.15 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;205 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| &nbsp;&nbsp;&nbsp;206 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 77.14 | 77.14 | $XXX | $XXX | .0174 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0174 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| &nbsp;&nbsp;&nbsp;349 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.69 | 69.69 | $XXX | $XXX | -.0528 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0528 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| &nbsp;&nbsp;&nbsp;207 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.97 | 68.97 | $XXX | $XXX | -.0217 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0217 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| &nbsp;&nbsp;&nbsp;219 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.6 | 64.6 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| &nbsp;&nbsp;&nbsp;229 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.43 | 70.43 | $XXX | $XXX | -.0208 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0208 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;231 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| &nbsp;&nbsp;&nbsp;235 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;242 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;246 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0431 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0431 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |

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| &nbsp;&nbsp;&nbsp;**Loan ID** | **Seller<br>Loan<br>ID** | **Investor<br>Loan ID** | **Note Date** | **Original<br>Loan<br>Amount** | **Sales<br>Price** | **Total<br>Adjusted<br>Prior<br>Purchase<br>Price** | **Primary<br>Appraised<br>Value** | **Primary<br>Appraisal<br>Date** | **Primary Appraisal Type** | **Value for<br>LTV** | **LTV** | **CLTV** | **Loan<br>Reviewed<br>Property<br>Value** | **Loan<br>Reviewed<br>Variance<br>Amount** | **Loan<br>Reviewed<br>Variance<br>Percent** | **Loan<br>Reviewed<br>Product<br>Type** | **Loan<br>Post-<br>Close<br>Reviewed<br>Property<br>Value** | **Loan<br>Post-<br>Close<br>Reviewed<br>Variance<br>Amount** | **Loan<br>Post-<br>Close<br>Reviewed<br>Variance<br>Percent** | **Loan Post-<br>Close<br>Reviewed<br>Product<br>Type** | **Second<br>Appraisal<br>Value** | **Second<br>Appraisal<br>Variance<br>Amount** | **Second<br>Appraisal<br>Variance<br>Percent** | **Second<br>Appraisal<br>Date** | **Second<br>Appraisal<br>Type** | **AVM<br>Appraised<br>Value** | **AVM<br>Variance<br>Amount** | **AVM<br>Variance<br>Percent** | **AVM<br>Confidence<br>Score** | **FSD<br>Score** | **AVM<br>Company<br>Name** | **AVM<br>Product<br>Name** | **AVM<br>Appraisal<br>Date** | **Desk<br>Review<br>Appraised<br>Value** | **Desk<br>Review<br>Variance<br>Amount** | **Desk<br>Review<br>Variance<br>Percent** | **Desk<br>Review<br>Company** | **Desk<br>Review<br>Risk<br>Score** | **Desk<br>Review<br>Appraisal<br>Date** | **Second<br>Desk<br>Review<br>Variance<br>Amount** | **Second<br>Desk<br>Review<br>Variance<br>Percent** | **Second<br>Desk<br>Review<br>Appraisal<br>Date** | **Second<br>Desk<br>Review<br>Appraised<br>Value** | **Desk Top<br>Appraised<br>Value** | **Desk<br>Top<br>Variance<br>Amount** | **Desk<br>Top<br>Variance<br>Percent** | **Desk Top<br>Company** | **Desk Top<br>Appraisal<br>Date** | **BPO<br>Appraised<br>Value** | **BPO<br>Variance<br>Amount** | **BPO<br>Variance<br>Percent** | **BPO<br>Company** | **BPO<br>Appraisal<br>Date** | **Field<br>Review<br>Appraised<br>Value** | **Field<br>Review<br>Variance<br>Amount** | **Field<br>Review<br>Variance<br>Percent** | **Field<br>Review<br>Company** | **Field<br>Review<br>Appraisal<br>Date** | **2055<br>Appraised<br>Value** | **2055<br>Variance<br>Amount** | **2055<br>Variance<br>Percent** | **2055<br>Company** | **2055<br>Appraisal<br>Date** | **AVE/<br>CMA<br>Appraised<br>Value** | **AVE/<br>CMA<br>Variance<br>Amount** | **AVE/<br>CMA<br>Variance<br>Percent** | **AVE/<br>CMA<br>Company** | **AVE/<br>CMA<br>Appraisal<br>Date** | **Other<br>Appraised<br>Value** | **Other<br>Variance<br>Amount** | **Other<br>Variance<br>Percent** | **Other<br>Appraisal<br>Date** | **Updated<br>Appraised<br>Value** | **Updated<br>Variance<br>Amount** | **Updated<br>Variance<br>Percent** | **Updated<br>Company** | **Updated<br>Appraisal<br>Date** | **Updated<br>Appraisal<br>Type** | **Loan<br>Collateral<br>Advisor<br>Risk<br>Score** | **Loan<br>Collateral<br>Advisor<br>Risk<br>Score<br>Date** | **Is<br>Eligible<br>for Rep<br>and<br>Warrant<br>Relief per<br>Loan<br>Collateral<br>Advisor?** | **Collateral<br>Underwriter<br>Risk Score** | **Collateral<br>Underwriter<br>Risk Score<br>Date** |
| &nbsp;&nbsp;&nbsp;270 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;296 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.95 | 76.95 | $XXX | $XXX | -.0063 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0063 | 89.0 | 0.11 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;326 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 42.55 | 42.55 | $XXX | $XXX | -.0383 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0383 | 83.0 | 0.17 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| &nbsp;&nbsp;&nbsp;333 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.14 | 76.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;344 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  |
| &nbsp;&nbsp;&nbsp;353 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.7 | 69.7 | $XXX | $XXX | -.0264 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0264 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| &nbsp;&nbsp;&nbsp;354 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.75 | 68.75 | $XXX | $XXX | -.1003 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1003 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | -.0260 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;232 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1391 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| &nbsp;&nbsp;&nbsp;271 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0042 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0042 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| &nbsp;&nbsp;&nbsp;351 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| &nbsp;&nbsp;&nbsp;244 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.33 | 50.33 | $XXX | $XXX | -.0809 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0809 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| &nbsp;&nbsp;&nbsp;277 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;341 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| &nbsp;&nbsp;&nbsp;239 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.1 | 78.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| &nbsp;&nbsp;&nbsp;240 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0681 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0681 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| &nbsp;&nbsp;&nbsp;276 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.0 | 67.0 | $XXX | $XXX | -.0572 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0572 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| &nbsp;&nbsp;&nbsp;352 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| &nbsp;&nbsp;&nbsp;356 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.76 | 58.76 | $XXX | $XXX | -.0388 | AVM |  |  |  |  | $XXX | $XXX | .0093 | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | -.0388 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| &nbsp;&nbsp;&nbsp;358 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.91 | 69.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| &nbsp;&nbsp;&nbsp;241 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 62.96 | 62.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;245 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.91 | 73.91 | $XXX | $XXX | -.1162 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1162 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| &nbsp;&nbsp;&nbsp;266 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.98 | 64.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| &nbsp;&nbsp;&nbsp;279 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.51 | 59.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| &nbsp;&nbsp;&nbsp;347 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.88 | 71.88 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |

---