# EDGAR Filing Document

**Accession Number:** 0001599342
**File Stem:** 0001193125-26-011349
**Filing Date:** 2026-1
**Character Count:** 726279
**Document Hash:** 04970630daccb5a36c978d2b79a45981
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-011349.hdr.sgml**: 20260113

**ACCESSION NUMBER**: 0001193125-26-011349

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

**PUBLIC DOCUMENT COUNT**: 11

**CONFORMED PERIOD OF REPORT**: 20260113

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

**FILED AS OF DATE**: 20260113

**DATE AS OF CHANGE**: 20260113

**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:** 26529108

**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-CNF1
**(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](d54306dex991.htm) |
| 99.2 | [Clayton Conditions Report](d54306dex992.htm) |
| 99.3 | [Clayton Rating Agency ATR QM Data Fields](d54306dex993.htm) |
| 99.4 | [Clayton Loan Level Tape Compare Upload](d54306dex994.htm) |
| 99.5 | [Clayton Valuations Summary](d54306dex995.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 | January 13, 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** 

------

![LOGO](g54306g1206134326175.jpg)

![LOGO](g54306dsp001.jpg)

![LOGO](g54306dsp001b.jpg)

**January 10, 2026**<br>**Due Diligence Narrative Report**<br>

------

![LOGO](g54306g1206134326311.jpg)

**TABLE OF CONTENTS**

---

| | | | |
|:---|:---|:---|:---|
|  **Clayton Contact Information** |  | **2** |  |
|  **Overview** |  | **2** |  |
|  **Originators** |  | **2** |  |
|  **Clayton's Third Party Review ("TPR") Scope of Work** |  | **2** |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sampling* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sponsor Acquisition Criteria* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Loan Grading* | | *3* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *TPR Component Review Scope* | | *4* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Credit Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property Valuation Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Regulatory Compliance Review |  | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Integrity* | | *6* | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Capture* | | *6* | |
|  **Data Compare Results** |  | **7** |  |
|  **Clayton Due Diligence Results** |  | **8** |  |
|  **Clayton Third Party Reports Delivered** |  | **9** |  |
|  **Appendix A: Credit Review Scope** |  | **10** |  |
|  **Appendix B: Origination Appraisal Assessment** |  | **13** |  |
|  **Appendix C: Regulatory Compliance Review Scope** |  | **16** |  |

---

PMT Loan Trust 2026-CNF1 Page \| 1 January 10, 2026

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![LOGO](g54306g1206134326311.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 272 residential loans selected for the PMT Loan Trust 2026-CNF1 transaction. The loans referenced in this narrative report were reviewed on a bulk basis from September 2025 to December 2025. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**ORIGINATORS** 

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
|  Broker | 45 | 16.54% |
|  Correspondent Bulk | 221 | 81.25% |
|  Correspondent Flow with delegated underwriting | 1 | 0.37% |
|  Retail | 5 | 1.84% |
|  **Total** | **272** | **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-CNF1 Page \| 2 January 10, 2026

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![LOGO](g54306g1206134326311.jpg)

**SAMPLING** 

Upon receipt of Asset Tape, Diligence provider randomly selected 272 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** | 272 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 272 |  |

---

**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 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](g54306g0113081926279.jpg)

PMT Loan Trust 2026-CNF1 Page \| 3 January 10, 2026

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![LOGO](g54306g1206134326311.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 (272 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 (272 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;• Desk Review/BPO

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Second Full Appraisal

For further detail please refer to the PMTLT 2026-CNF1 Valuations Summary Report

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.

PMT Loan Trust 2026-CNF1 Page \| 4 January 10, 2026

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![LOGO](g54306g1206134326311.jpg)

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 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.

PMT Loan Trust 2026-CNF1 Page \| 5 January 10, 2026

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![LOGO](g54306g1206134326311.jpg)

&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.

**DATA CAPTURE** 

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

PMT Loan Trust 2026-CNF1 Page \| 6 January 10, 2026

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![LOGO](g54306g1206134326311.jpg)

**DATA COMPARE RESULTS** 

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

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
|  Appraisal Form Type | 120 | 55.88% |
|  AUS Grade Audit | 4 | 98.53% |
|  Borrower 1 Self Employed Flag | 5 | 98.16% |
|  Borrower 1 Total Income | 28 | 89.71% |
|  Borrower 2 Self Employed Flag | 1 | 99.63% |
|  Cash Reserves | 140 | 48.53% |
|  Combined LTV | 3 | 98.90% |
|  Credit Report Date | 8 | 97.06% |
|  Debt to Income Ratio (Back) | 5 | 98.16% |
|  Loan Purpose | 1 | 99.63% |
|  Original Appraisal Date | 1 | 99.63% |
|  Original Appraised Value | 3 | 98.90% |
|  Original Balance | 1 | 99.63% |
|  Original LTV | 2 | 99.26% |
|  Origination Date | 1 | 99.63% |
|  Product Type | 1 | 99.63% |
|  Property Street Address | 5 | 98.16% |
|  Property Type | 15 | 94.49% |
|  Sales Price | 1 | 99.63% |
|  Total Monthly Income | 1 | 99.63% |

---

PMT Loan Trust 2026-CNF1 Page \| 7 January 10, 2026

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![LOGO](g54306g1206134326311.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 (272 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** | 92 |  | 3 | 64 | **159** |
| **Final** | **B** |  | 10 | 7 | 86 | **103** |
| **Final** | **C** |  |  | 2 | 4 | **6** |
| **Final** | **D** |  |  |  | 4 | **4** |
| **Final** | **Total** | **92** | **10** | **12** | **158** | **272** |

---

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** | 246 |  | 6 | 13 | **265** |
| **Final** | **B** |  | 5 |  |  | **5** |
| **Final** | **C** |  |  | 1 |  | **1** |
| **Final** | **D** |  |  |  | 1 | **1** |
| **Final** | **Total** | **246** | **5** | **7** | **14** | **272** |

---

**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** | 117 |  |  | 66 | **183** |
| **Final** | **B** |  | 1 | 7 | 77 | **85** |
| **Final** | **C** |  |  |  | 1 | **1** |
| **Final** | **D** |  |  |  | 3 | **3** |
| **Final** | **Total** | **117** | **1** | **7** | **147** | **272** |

---

**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** | 225 |  | 6 | 13 | **244** |
| **Final** | **B** |  | 16 | 7 |  | **23** |
| **Final** | **C** |  |  | 4 |  | **4** |
| **Final** | **D** |  |  |  | 1 | **1** |
| **Final** | **Total** | **225** | **16** | **17** | **14** | **272** |

---

PMT Loan Trust 2026-CNF1 Page \| 8 January 10, 2026

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![LOGO](g54306g1206134326311.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. Conditions Report

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

&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-CNF1 Page \| 9 January 10, 2026

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![LOGO](g54306g1206134326311.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

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&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

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&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-CNF1 Page \| 12 January 10, 2026

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![LOGO](g54306g1206134326311.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.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users
of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Predominant occupancy

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Locational and/or environmental concerns adequately addressed if present

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will specify
whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage has been indicated, and the amount of said damage.

F. Disclaimer

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

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

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

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

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

G. Desk Review definitions

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

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

PMT Loan Trust 2026-CNF1 Page \| 15 January 10, 2026

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**APPENDIX C: REGULATORY COMPLIANCE REVIEW SCOPE** 

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final
Rule that became mandatory on January 1, 2010

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to
the borrower within 3 days of application

**B.** **Truth in Lending Act and Regulation Z** – Loan level analysis on the following:

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

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

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

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

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

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

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

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

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

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![LOGO](g54306g1206134326311.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-CNF1 Page \| 17 January 10, 2026

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

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

---

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

---

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

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

---

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

---

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

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

---

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

---

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

**F.** **Texas Equity** 

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

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

PMT Loan Trust 2026-CNF1 Page \| 19 January 10, 2026

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**<u>Disclaimer</u>**

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

<sup>©</sup> 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-CNF1 Page \| 20 January 10, 2026

## Exhibit 99.2

**EXHIBIT 99.2** 

**CLAYTON CONDITIONS REPORT** 

------

---

| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-CNF1_J16453** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *272* |
| ***Loans with Conditions:*** | *181* |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;**35 - Total Active Conditions** | |
| **12 - Material Conditions** | **12 - Material Conditions** |
| 2 - Credit Review Scope | 2 - Credit Review Scope |
|  | 1 - Category: DTI |
|  | 1 - Category: Terms/Guidelines |
| 5 - Property Valuations Review Scope | 5 - Property Valuations Review Scope |
|  | 4 - Category: Appraisal |
|  | 1 - Category: Value |
| 5 - Compliance Review Scope | 5 - Compliance Review Scope |
|  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  | 4 - Category: TILA/RESPA Integrated Disclosure |
| **23 - Non-Material Conditions** | **23 - Non-Material Conditions** |
| 5 - Credit Review Scope | 5 - Credit Review Scope |
|  | 1 - Category: Credit/Mtg History |
|  | 2 - Category: Income/Employment |
|  | 1 - Category: Legal Documents |
|  | 1 - Category: Terms/Guidelines |
| 18 - Compliance Review Scope | 18 - Compliance Review Scope |
|  | 12 - Category: RESPA |
|  | 3 - Category: Right of Rescission |
|  | 1 - Category: State Consumer Protection |
|  | 2 - Category: Texas Home Equity |
| &nbsp;&nbsp;&nbsp;**294 - Total Satisfied Conditions** |  |
| 23 - Credit Review Scope | 23 - Credit Review Scope |
|  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Application |
|  | 2 - Category: Assets |
|  | 2 - Category: Credit/Mtg History |
|  | 1 - Category: DTI |
|  | 7 - Category: Income/Employment |
|  | 2 - Category: Insurance |
|  | 4 - Category: Legal Documents |
|  | 2 - Category: Terms/Guidelines |
|  | 1 - Category: Title |
| 234 - Property Valuations Review Scope | 234 - Property Valuations Review Scope |
|  | 231 - Category: Appraisal |
|  | 1 - Category: Property |
|  | 2 - Category: Value |
| 37 - Compliance Review Scope | 37 - Compliance Review Scope |
|  | 8 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: APR Tolerance |
|  | 3 - Category: Compliance Manual |
|  | 3 - Category: Documentation |
|  | 2 - Category: Federal Consumer Protection |
|  | 2 - Category: Right of Rescission |
|  | 1 - Category: Texas Home Equity |
|  | 17 - Category: TILA/RESPA Integrated Disclosure |
| &nbsp;&nbsp;&nbsp;**1 - Total Waived Conditions** |  |
| 1 - Property Valuations Review Scope | 1 - Property Valuations Review Scope |
|  | 1 - Category: FEMA |

---

<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-CNF1_J16453** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *272* |
| ***Loans with Conditions:*** | *181* |

---

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &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;1 | XXXXXX | XXXXXX MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 738 is 118 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.98%; guidelines allow 97%.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have 22 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX MA | 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 | Loan<br>approved<br>with a PIW;<br>Clayton to<br>order a BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 738 is 118 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.98%; guidelines allow 97%.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have 22 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;602 | XXXXXX | XXXXXX CA | 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 | CRDINC2542 | Missing<br>work<br>authorization/VISA<br>required for<br>non-<br>permanent<br>resident<br>aliens or<br>foreign<br>nationals | No | Missing<br>work<br>authorization/VISA<br>or<br>explanation<br>why the<br>Borrowers<br>Social<br>Security<br>card says<br>Authorized<br>for Work<br>only<br>however the<br>application<br>shows US<br>Citizen. | 10/13/2025:<br>Received<br>US issued<br>passport<br>dated<br>1/31/2018. | 10/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing assets $16,861.95 or 3.50 month PITI and HOA reserves. No reserves required.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 746. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;602 | 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 C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: The borrower has been in the same profession for 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Closing assets $16,861.95 or 3.50 month PITI and HOA reserves. No reserves required.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 746. Minimum required 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** | **Condition Code** | **Condition<br>Description** | **Condition**<br> **Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating Factors** |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | Please<br>provide<br>the final<br>CD with<br>wet<br>signatures. | 12.31.2025<br>- Final CD<br>received | 12.31.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 759 > is above guideline minimum credit score 620.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 35 years. |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Federal<br>Consumer<br>Protection | Satisfied C A | CMPFDCP2109 | ROR -<br>Unknown<br>latest TIL<br>date;<br>cannot<br>determine<br>whether<br>borrower<br>was<br>provided<br>their full<br>rescission<br>period | No | The final<br>signed CD<br>is missing<br>from the<br>file. | 12.31.2025<br>- Final CD<br>received | 12.31.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 759 > is above guideline minimum credit score 620.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 35 years. |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | KS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 709 is 89 points above minimum program requirement of 620.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 19 years |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 3 years 8 months in same line of work. B2 has 12 years 7 months in same line of work.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 17 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $145,203.18 exceeds required reserves $43,117.22. |

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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;12 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 742 is 122 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 48.78% is below the guideline minimum of 50%.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower only using 9% of available revolving credit. |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 742 is 122 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 48.78% is below the guideline minimum of 50%.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower only using 9% of available revolving credit. |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification<br>of<br>employment<br>missing | No | Missing<br>VOE for<br>the<br>following<br>business<br>since<br>income is<br>being<br>included<br>to qualify:<br>XXX,<br>XXX, and<br>XXX. | 1/6/2026:<br>Received<br>verification<br>businesses<br>are active. | 1/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 780 > is above guideline minimum credit score 620.<br>CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 8 years. |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU score<br>is > 2.5.<br>Clayton to<br>order desk<br>review. | 01/05/2026<br>Received<br>CDA<br>supporting<br>value. | 01/05/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 701 is 81 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 67.48%. |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | CT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence 5.5 years<br>CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession 44.25 years<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 716 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.21% DTI; Max DTI is 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;19 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 738 is 138 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has 7,179.88 in post close assets. |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 774 is 154 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 33.72%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are at $12,669.44 > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | HI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule;<br>Clayton's<br>status<br>determination<br>places loan in<br>a riskier status<br>than the<br>Lender's<br>status<br>determination. | No | Loan<br>declared<br>QM Safe<br>Harbor<br>(APOR)<br>from<br>lender/<br>client;<br>Clayton<br>status is<br>NONQM<br>due to fees<br>too high<br>(adjusted<br>charges are<br>$12,349.43,<br>max<br>allowed is<br>$11,751.20;<br>$598.23 too<br>high). | 1/6/2026:<br>Received<br>verification<br>of a<br>bonafide<br>fee. Loan<br>is now SH. | 1/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 27.21%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 743 is 143 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are at $9, 5032.47 (27.36 months PITIA) > min required reserves of $0 |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | HI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CMPATRQM2904 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; is not a<br>Qualified<br>Mortgage. | No | Loan<br>declared<br>QM Safe<br>Harbor<br>(APOR)<br>from<br>lender/<br>client;<br>Clayton<br>status is<br>NONQM<br>due to fees<br>too high<br>(adjusted<br>charges are<br>$12,349.43,<br>max<br>allowed is<br>$11,751.20;<br>$598.23 too<br>high). | 1/6/2026:<br>Received<br>verification<br>of a<br>bonafide<br>fee. Loan<br>is now SH. | 1/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 27.21%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 743 is 143 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are at $9, 5032.47 (27.36 months PITIA) > min required reserves of $0 |

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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 | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | CMPTRID3676 | TRID - CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | Yes | Need<br>evidence of<br>change of<br>circumstances<br>letter for Ten<br>Percent<br>tolerance,<br>Notary and<br>Endorsement<br>fees increase,<br>or a copy of a<br>refund check<br>in the amount<br>of $230.10.<br>\*\*\* PCCD<br>provided &<br>include if fee<br>decreased | (No<br>Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: DTI 26.58% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO: Credit score of 796 is 176 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with +<br>2.37%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: DTI 26.58% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO: Credit score of 796 is 176 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>Clayton to<br>order BPO | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with +<br>2.37%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: DTI 26.58% is below the guideline maximum of 50%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO: Credit score of 796 is 176 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 9 years and 9 months<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 41.76% LTV below guideline requirements of 97.00% per program.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 803 is 183 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.01% DTI is below guideline requirement of 45.00%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition**<br> **Sub**<br> **Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 791 is 151 points above minimum program requirement of 640.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 60 months.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.37% is below the guideline minimum of 45%. |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 807 is 187 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.13% is below the guideline minimum of 50%.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.54%; guidelines allow 95%. |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | CO | 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 | Loan<br>approved<br>with a<br>PIW;<br>Clayton to<br>order a<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 807 is 187 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.13% is below the guideline minimum of 50%.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.54%; guidelines allow 95%. |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | RI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>LCA has<br>no score.<br>Clayton to<br>order desk<br>review. | 01/05/2026<br>Received<br>CDA<br>supporting<br>value. | 01/05/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 725 is 105 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $26343.36 in post close assets.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have36 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;34 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Compliance | Documentation | Satisfied C A | CMPDOC3076 | Legal<br>document<br>was not<br>executed<br>or is<br>incomplete | No | Mortgage<br>is missing<br>Notary<br>seal and<br>signature. | 12/30/2025:<br>Received<br>Notary<br>signed/<br>dated<br>XXX. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 748 > minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 68 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 27 months mortgage payment history 0x30. |

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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;34 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score<br>is > 2.5.<br>Clayton to<br>order desk<br>review. | 01/05/2026<br>Received<br>CDA<br>supporting<br>value. | 01/05/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 748 > minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 68 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 27 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | 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 | Yes | Zero<br>tolerance<br>$525 due<br>to added<br>Survey fee<br>no valid<br>reason in<br>file.<br>Provide<br>COC<br>reflecting<br>valid<br>reason for<br>the fee<br>changes or<br>PCCD with<br>cure, copy<br>of cure<br>check,<br>LOE to<br>borrower<br>and<br>evidence of<br>delivery<br>via method<br>including<br>tracking<br>information<br>within 60<br>days of<br>discovery. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 705 is 85 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets at $18053.58. Required reserves: $0.00 |
| &nbsp;&nbsp;&nbsp;37 | 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 | Missing<br>Updated<br>Valuation:<br>CU score ><br>2.5.<br>Clayton to<br>order desk<br>review. | 01/05/2026<br>Received<br>CDA<br>supporting<br>value. | 01/05/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 22 years in same line of work.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 50 mos. 0x30.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of consumer credit, credit line usage 16.42%. |
| &nbsp;&nbsp;&nbsp;40 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Missing<br>updated<br>valuation.<br>Loan<br>approved<br>with PIW.<br>Clayton to<br>order BPO. | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 780 is 160 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 179 months.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.29% is below the guideline minimum of 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;40 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>Loan<br>approved<br>with PIW.<br>Clayton<br>to order<br>BPO. | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 780 is 160 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 179 months.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.29% is below the guideline minimum of 45%. |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Legal<br>Documents | Active B | CRDLGL4763 | Missing<br>Extension<br>Agreement | No | Missing<br>Sales<br>contract<br>addendum<br>with<br>purchase<br>price of<br>$XXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 771 is 151 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 21.54%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post close assets are at $435,719.76. Reserves not required. |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 771 is 151 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 21.54%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post close assets are at $435,719.76. Reserves not required. |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>Loan<br>approved<br>with a<br>PIW.<br>Clayton<br>to order<br>BPO | 1/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 771 is 151 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 21.54%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post close assets are at $435,719.76. Reserves not required. |

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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;43 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession 7.67 years<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 810 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.59% DTI; Max DTI is 45%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $138,640.09 or 23.30 months of PITIA.0 required reserves. |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession 7.67 years<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 810 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 34.59% DTI; Max DTI is 45%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $138,640.09 or 23.30 months of PITIA.0 required reserves. |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI below 45%; DTI 26.99%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $466,546.10 post close reserves or 113.47 months PITIA. Required reserves: $0.00 |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 782 is 162 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 52 months.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.03% is below the guideline minimum of 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** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 780 is 160 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 24.63%. > max permitted of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has post close assets of $240,433.61. > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is > 2.5.<br>Clayton to<br>order desk<br>review. | 1/5/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 735 is 115 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 25.45%. > max permitted of 45%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $169498.84. Required Reserves are $2726 or 62.17 times post close assets. |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file<br>does not<br>contain a<br>third party<br>fraud report | No | Missing<br>satisfactory<br>fraud<br>report. | (No Data) | 12/30/2025:<br>Clayton<br>verified<br>clear<br>OFAC on<br>website. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 701 is 81 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are at $85,140.42 (29.14 months PITIA reserves). No requires are required. |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | Assets | Satisfied D A | CRDAST2354 | Asset<br>Verification<br>In File is<br>Incomplete<br>Per<br>Requirements | No | Missing<br>gift letter<br>for<br>$110,000<br>indicating<br>intention to<br>wire funds<br>directly to<br>settlement<br>agent. | 12/30/2025:<br>Received<br>Gift Letter. | 12/30/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 701 is 81 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are at $85,140.42 (29.14 months PITIA reserves). No requires are required. |

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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;62 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with a<br>1.53%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 701 is 81 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are at $85,140.42 (29.14 months PITIA reserves). No requires are required. |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with a<br>1.53%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 701 is 81 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are at $85,140.42 (29.14 months PITIA reserves). No requires are required. |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | XXXXXX | KY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO | 01/05/2026<br>Received<br>BPO<br>supporting<br>value. | 01/05/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 787 is 167 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $61908.14. No reserves are required. |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | XXXXXX | KY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO | 01/05/2026<br>Received<br>BPO<br>supporting<br>value. | 01/05/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 787 is 167 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $61908.14. No reserves are required. |

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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;65 | XXXXXX | XXXXXX | CO | 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 | No CU<br>score.<br>Clayton<br>to order<br>desk<br>review | 1/5/2026<br>Received<br>Desk<br>Review.<br>Value<br>supported<br>with 0%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 813 is 193 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $1248174.09. |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 788 is 168 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 2is at 23.26%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are at $159295.32. No reserves are required. |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 798 is 178 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 155 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 75 months mortgage payment history 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close reserves $307,229 or 78 months PITI. |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/8/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value. | 1/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Current mortgage reports 5 mos. 0x30 and prior mortgage 54 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $46,195.18 exceeds required reserves of $0.00.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of consumer credit, credit line usage 10.54%. |

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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;74 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 1/8/2026: BPO<br>provided supports<br>appraised value. | 1/8/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Current mortgage reports 5 mos. 0x30 and prior mortgage 54 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $46,195.18 exceeds required reserves of $0.00.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of consumer credit, credit line usage 10.54%. |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan<br>approved<br>with a PIW,<br>Clayton to<br>order a<br>BPO | 12/30/2025:<br>Received BPO<br>not supporting<br>value. Next level<br>review to be<br>ordered by<br>Clayton.1/6/2026:<br>Received 2055<br>Exterior only.<br>Value not<br>supported -<br> 26%. | 12/30/2025:<br>Exception<br>remains.1/6/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 22%<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 7 years in profession |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 12/30/2025:<br>Received BPO<br>not supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 22%<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 7 years in profession |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Value | Active C | PRVAVALU5249 | Property<br>Value Not<br>Supported | Yes | 12/30/2025:<br>Exception<br>added after<br>review of<br>trailing<br>docs: BPO<br>came in<br>24.15%<br>below<br>value. Next<br>lever report<br>required to<br>be ordered<br>by Clayton. | 1/6/2026:<br>Received Exterior<br>only 2055, $XXX<br>value at - 26%<br>below value.<br>Lender to order<br>full appraisal. | 1/6/2026:<br>Exception<br>remains. | Not<br>Applicable | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 22%<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 7 years in profession |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification<br>of<br>employment<br>missing | No | Missing<br>WVOE in<br>file<br>completed<br>within 10<br>days of<br>note date.<br>Please<br>provide<br>missing<br>document | 12/30/2025<br>Received VVOE<br>for Borrower.<br>Verifies active<br>employment with<br>employer used to<br>qualify. | 12/30/2025<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 12 years and 5 months<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.40% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 791 is 171 points above program guideline minimum of 620.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 x112 months (via consecutive payment histories) |

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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;82 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>CU score<br>is > 2.5.<br>Clayton<br>to order<br>desk<br>review. | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 12 years and 5 months<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 61.40% LTV below guideline requirements of 80.00% per program.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 791 is 171 points above program guideline minimum of 620.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30 x112 months (via consecutive payment histories) |
| &nbsp;&nbsp;&nbsp;83 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | 1/5/2026<br>Received<br>BPO.<br>Supports<br>value with<br>a +2.16%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 8.083yrs tenure with current employer<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 76.27% LTV below maximum allowed guidelines 95% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close Assets are $98,663.85 or 23.43 mths of PITI $4211.55 reserves exceed guideline reserves requirement of $0.<br>CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 796 Median Credit Score, 3/2010 Oldest Trade Line<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 91 consecutive months mortgage payment history exceeds 24 month guideline credit review. |
| &nbsp;&nbsp;&nbsp;83 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 1/5/2026<br>Received<br>BPO.<br>Supports<br>value with<br>a +2.16%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 8.083yrs tenure with current employer<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 76.27% LTV below maximum allowed guidelines 95% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close Assets are $98,663.85 or 23.43 mths of PITI $4211.55 reserves exceed guideline reserves requirement of $0.<br>CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 796 Median Credit Score, 3/2010 Oldest Trade Line<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 91 consecutive months mortgage payment history exceeds 24 month guideline credit review. |

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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;84 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 801 is 181 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%<br>. CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 28.07% is below the guideline maximum of 50%. |
| &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 - Clayton Comments: Credit score of 735 is 115 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $88396.40. Reserves are not required. |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | AZ | 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 - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage rule;<br>the loan file is<br>missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | Missing<br>verification<br>of HOA<br>expense to<br>support<br>$112.92<br>monthly<br>payment<br>used for<br>qualification<br>on DU<br>submission<br>10. | 1/9/2026<br>Received<br>verification<br>of HOA<br>expense.<br>Validates<br>expense of<br>$132.67<br>however<br>slightly<br>higher than<br>used to<br>qualify.<br>Variance is<br>within<br>tolerance. | 1/9/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 791 is 171 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75.20%; guidelines allow 97%.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 48.08% is below the guideline minimum of 50%. |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Credit | Legal<br>Documents | Satisfied D A | CRDLGL988 | Loan File is<br>Missing or<br>Contains<br>Insufficient<br>Documentation<br>for Basic<br>Review | No | Missing<br>verification<br>of HOA<br>expense to<br>support<br>$112.92<br>monthly<br>payment<br>used for<br>qualification<br>on DU<br>submission<br>10. | 1/9/2026<br>Received<br>verification<br>of HOA<br>expense.<br>Validates<br>expense of<br>$132.67<br>however<br>slightly<br>higher than<br>used to<br>qualify.<br>Variance is<br>within<br>tolerance. | 1/9/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 791 is 171 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75.20%; guidelines allow 97%.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 48.08% is below the guideline minimum of 50%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition**<br> **Sub<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;87 | 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 C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 01/05/2026<br>Received<br>BPO<br>supporting<br>value. | 01/05/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 791 is 171 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75.20%; guidelines allow 97%.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 48.08% is below the guideline minimum of 50%. |
| &nbsp;&nbsp;&nbsp;87 | 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 | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 01/05/2026<br>Received<br>BPO<br>supporting<br>value. | 01/05/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 791 is 171 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 75.20%; guidelines allow 97%.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 48.08% is below the guideline minimum of 50%. |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 790 is 170 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 17.71% is below the guideline minimum of 50%.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 368 months.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $33,260.44/9.01 PITI which is > guideline minimum. |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 784 is 164 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 169 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 71 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;91 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/7/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 784 is 164 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 169 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 71 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;93 | 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 - Clayton Comments: Borrower has 6.67yrs tenure with current employer<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below maximum allowed 97% per guidelines |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for more than 9 years.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 811 is 191 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for more than 9 years.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 811 is 191 points above minimum program requirement of 620. |

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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;95 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | CMPTRID3676 | TRID - CD:<br>Ten percent<br>tolerance fee<br>or fees<br>increased at or<br>prior to closing<br>without a valid<br>reason or not<br>timely<br>disclosed;<br>refund<br>required within<br>60 days of<br>consummation. | Yes | $930.10<br>Ten<br>Percent<br>Tolerance<br>due to<br>increase in<br>Title<br>Lenders<br>Title<br>Insurance<br>from<br>$1065.90<br>to $1996<br>on Final<br>Cd without<br>a valid<br>CoC.<br>Requires<br>CoC, or<br>corrected<br>PCCD,<br>copy of<br>refund<br>check,<br>LOX and<br>verification<br>of<br>shipping. | 12.31.2025 -<br>Correction to<br>refund<br>amount. Title<br>Insurance was<br>paid to<br>servicer on<br>provider list<br>and listed in<br>section B as<br>not shopped.<br>Correct refund<br>amount due is<br>$675.80.1.7.26<br>- Final ALTA<br>provided<br>updated cure<br>amount is<br>confirmed as<br>$524.10.<br>Please<br>provided<br>updated<br>PCCD, LOX,<br>proof of<br>delivery and<br>refund check<br>in the amount<br>of $524.10. | 12.31.2025 -<br>Exception<br>remains1.7.26<br>- Exception<br>remains (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 717/minimum 620<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.47%/maximum 90%<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 38.98%/maximum 50% |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>> 2.5<br>Clayton to<br>order desk<br>review | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 717/minimum 620<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.47%/maximum 90%<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 38.98%/maximum 50% |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 1/5/2026:<br>Received BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 22 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $99,442.35 exceed required reserves $0.00.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has 6 years 10 months in same line of work. |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX IN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 1/5/2026:<br>Received BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 22 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $99,442.35 exceed required reserves $0.00.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has 6 years 10 months in same line of work. |

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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;102 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>orderBPO. | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 724 is 104 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $54,778.17 post close assets. No minimum reserves are required. |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>orderBPO. | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 724 is 104 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $54,778.17 post close assets. No minimum reserves are required. |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Title | Satisfied D A | CRDTIL796 | Missing<br>Title | No | Provide<br>missing<br>Title. | 12/30/2025<br>Received<br>Final title. | 12/30/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.85% is below Guidelines 45% maximum.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 51.89% is below Guidelines 80% maximum.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 20 years and 7 months with current employer. |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.85% is below Guidelines 45% maximum.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 51.89% is below Guidelines 80% maximum.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 20 years and 7 months with current employer. |

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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;103 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.85% is below Guidelines 45% maximum.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 51.89% is below Guidelines 80% maximum.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 20 years and 7 months with current employer. |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Legal<br>Documents | Satisfied D A | CRDLGL225 | Missing Rider | No | Missing the<br>Mortgage<br>PUD Rider for<br>the subject<br>property. Per<br>the sales<br>contract, the<br>property is<br>subject to a<br>mandatory<br>property<br>association.<br>HOA<br>obligation<br>noted/included<br>in 1008 and<br>Clayton<br>analysis. | 12.8.2025 -<br> Correction<br>of<br>instrument<br>received for<br>PUD rider. | 12.8.2025 -<br> Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 770 Median Credit Score, 42 consecutive months mortgage history, oldest trade 11/2013, 1% credit usage.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6.66yrs tenure with current employer.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 42 consecutive months mortgage payment history exceeds 24 month guideline history. |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver (PIW)/<br>AW | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value. | 9/19/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Excellent credit history with no late pay/derog line items. 770 Median Credit Score, 42 consecutive months mortgage history, oldest trade 11/2013, 1% credit usage.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6.66yrs tenure with current employer<br>. CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 42 consecutive months mortgage payment history exceeds 24 month guideline history. |
| &nbsp;&nbsp;&nbsp;604 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Credit | Income/<br>Employment | Satisfied C A | CRDINC888 | Income<br>Amount is<br>Unsupported<br>by<br>Documentation<br>in File | No | Income<br>amount is<br>unsupported<br>by<br>documentation<br>in file. Per<br>AUS,<br>paystubs dated<br>30 days prior<br>to initial<br>application<br>must be<br>provided and<br>missing for<br>Borrowers 1<br>and 2.must be<br>provided and<br>missing for<br>Borrowers 1<br>and 2. | 9/24/2025:<br>Received<br>paystubs<br>for both<br>borrowers<br>and calcs<br>line up with<br>salary<br>indicated. | 9/24/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job with 20 years.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job with 25 years.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 725 exceeds guidelines with a minimum required score of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.17% is below guideline requirement of 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;604 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Credit | Insurance | Satisfied D A | CRDINSR865 | Missing<br>proof of<br>flood<br>insurance<br>in File | No | Missing<br>proof of<br>flood<br>insurance<br>in file. Per<br>updated<br>Flood<br>Cert,<br>original<br>certificate<br>completed<br>on XXX.<br>Current<br>Certificate<br>is the<br>result of a<br>subsequent<br>FEMA<br>map<br>revision<br>and flood<br>zone<br>changed<br>from XXX<br>to XXX.<br>Flood<br>insurance<br>is now<br>required. | 12/8/2025:<br>Received<br>Flood<br>Insurance<br>info. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job with 20 years.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job with 25 years.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 725 exceeds guidelines with a minimum required score of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.17% is below guideline requirement of 45%. |
| &nbsp;&nbsp;&nbsp;604 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 9/19/2025:<br>Received<br>BPO<br>supporting<br>value<br>within<br>tolerance<br>(-1.31%). | 9/24/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job with 20 years.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has significant time at current job with 25 years.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 725 exceeds guidelines with a minimum required score of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 32.17% is below guideline requirement of 45%. |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score<br>not<br>provided.<br>Clayton to<br>order desk<br>review. | 1/5/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 6 years and 5 months<br>CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 9 years and 9 months<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 809 is 189 points above program guideline minimum of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 36.80% DTI is below guideline requirement of 45.00%.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | XXXXXX | KY | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years at current job.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 32 mos. 0x30.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low use of consumer credit, credit line usage 31.35%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 732 above program minimum 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** | **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;112 | 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 | Active B | CMPROR1909 | Incorrect<br>ROR<br>Form<br>Used -<br>H8 Form<br>Used in<br>Refinance<br>With<br>Original<br>Creditor | No | Missing<br>correct<br>ROR<br>form. -<br> H8 Form<br>Used in<br>Refinance<br>with<br>Original<br>Creditor. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 704 is 84 points above program guideline minimum of 620. |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>CU score<br>not<br>provided.<br>Clayton to<br>order desk<br>review. | 1/5/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 704 is 84 points above program guideline minimum of 620. |
| &nbsp;&nbsp;&nbsp;115 | 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 score<br>is: Not<br>Performed.<br>Clayton to<br>order desk<br>review. | 1/5/2026<br>Received<br>Desk<br>Review.<br>Value<br>supported<br>with 0%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 717 > is above guideline minimum credit score 620.<br>CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 10 years. |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP<br>provided.<br>Clayton to<br>order Desk<br>Review, | 1/7/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value | 1/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 29.25yrs tenure with current employer<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified Post Close Assets are $54,329.34 or11.76 mths of PITIA $4619.23 exceed guideline requirement of $0<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 186 consecutive months mortgage payment history exceeds 24 month guideline credit review.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Exellent credit history with no late pay/derog line items. 759 Median Credit Score, Oldest Trade 12/1996 |

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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;122 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with a<br>4.48%<br>variance.<br>Variance<br>within<br>tolerance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 717 is 97 points above program guideline minimum of 620.<br>CFCFS2860: Good credit history - Clayton Comments: Consumer debt: 0x30 x > 99 months |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | XXXXXX | MD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with a<br>4.48%<br>variance.<br>Variance<br>within<br>tolerance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 717 is 97 points above program guideline minimum of 620.<br>CFCFS2860: Good credit history - Clayton Comments: Consumer debt: 0x30 x > 99 months |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>Clayton<br>to order<br>desk<br>review. | 1/5/2026:<br>CDA<br>provided<br>supports<br>appraised<br>value | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 710 is 90 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 40.54% is below the guideline minimum of 45%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: $152,914.49, (59.36 months reserves) > required reserves of $0<br>|
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA<br>score not<br>provided.<br>Clayton<br>to order<br>desk<br>review | 1/5/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have excess reserves of $73,227.68 |

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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;134 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score is ><br>2.5. Clayton<br>to order desk<br>review. | 1/5/2026<br>Received<br>Desk<br>Review.<br>Value<br>supported<br>with 0%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 732 is 112 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 37.28% is below the guideline minimum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have140 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | Right of<br>Rescission | Satisfied B | CMPROR117 | ROR -<br>Expiration<br>date on form<br>prior to end<br>of rescission<br>period | No | ROR -<br>Expiration<br>date on form<br>prior to end<br>of rescission<br>period-ROR<br>expiration<br>date of XXX<br>is prior to<br>end of<br>earliest<br>rescission<br>date<br>allowable of<br>XXX. | 1.2.2026 -<br>signature<br>page for<br>CD dated<br>XXX not<br>provided<br>causing<br>mailbox<br>rule to be<br>applied<br>making<br>earliest<br>expiration<br>date for<br>ROR XXX.<br>please<br>provide<br>signature<br>page for<br>CD<br>XXX.1.2.26<br>- Final CD<br>with<br>signature<br>page<br>received | 1.2.26 -<br> Exception<br>remains1.6.26<br>- Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 743 is 123 points above minimum program requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 70 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 178 months. |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | Right of<br>Rescission | Satisfied C B | CMPROR2330 | ROR -<br>Disbursement<br>date is before<br>end of<br>statutory<br>rescission<br>period | No | ROR -<br>Disbursement<br>date is before<br>end of<br>statutory<br>rescission<br>period -<br> ROR<br>Expiration<br>date of XXX;<br>disbursement<br>date per file<br>XXX.<br>Borrower did<br>not receive<br>full<br>mandatory<br>rescission<br>period | 1.2.2026 -<br>signature<br>page for<br>CD dated<br>XXX not<br>provided<br>causing<br>mailbox<br>rule to be<br>applied<br>making<br>earliest<br>expiration<br>date for<br>ROR XXX.<br>please<br>provide<br>signature<br>page for<br>CD<br>XXX.1.2.26<br>- Final CD<br>with<br>signature<br>page<br>received | 1.2.26 -<br>Exception<br>remains1.6.26<br>- Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 743 is 123 points above minimum program requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 70 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 178 months. |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C 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 | Missing<br>verbal VOE<br>within 10<br>days of<br>closing date<br>of XXX. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 743 is 123 points above minimum program requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 70 months mortgage payment history 0x30.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 178 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** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;139 | XXXXXX | XXXXXX | MS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Credit | Terms/<br>Guidelines | Active C | CRDTER3122 | Loan<br>documents<br>do not meet<br>guideline<br>requirements | Yes | Verify the<br>correct<br>subject<br>address:<br>Note,<br>DOT,<br>Final CD<br>and Title<br>show<br>XXX.<br>Appraisal,<br>Flood<br>Cert, HOI<br>and<br>address<br>for<br>Borrower<br>paystub<br>show<br>XXX.<br>There are<br>also two<br>pages<br>from a<br>1/2023<br>Appraisal<br>showing<br>XXX.<br>Additional<br>conditions<br>will apply<br>including<br>corrected<br>lender<br>docs if<br>verified<br>XXX is<br>the correct<br>address. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50.88%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 768 is 148 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;139 | XXXXXX | XXXXXX | MS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU) score<br>is > 2.5.<br>Clayton to<br>order desk<br>review. | 1/5/2026<br>Received<br>Desk<br>Review.<br>Value<br>supported<br>with 0%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 50.88%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 768 is 148 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan was<br>approved<br>with a<br>Property<br>Inspection<br>Waiver<br>(PIW);<br>Clayton to<br>order a<br>BPO | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 38%<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | TX | 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 | Loan was<br>approved<br>with a<br>Property<br>Inspection<br>Waiver<br>(PIW);<br>Clayton to<br>order a<br>BPO | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 38%<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 763 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 761 is 141 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.12% is below the guideline maximum of 50%. |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 761 is 141 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 33.12% is below the guideline maximum of 50%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition**<br> **Sub<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;145 | 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 | Missing<br>updated<br>valuation.<br>CU score<br>not<br>provided.<br>Clayton<br>to order<br>desk<br>review | 1/5/2026<br>Received<br>Desk<br>Review.<br>Value<br>supported<br>with 0%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have minimal use of revolving credit at 4%<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No<br>UCDP.<br>Clayton<br>to order<br>desk<br>review. | 1/5/2026:<br>Received<br>CDA<br>supporting<br>value | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 736 > is above guideline minimum credit score 620.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence, 10 years. |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.60 is less than the max of 45. |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 774 mid score > min required of 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.60 is less than the max of 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;153 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Compliance | Texas<br>Home<br>Equity | Active B | CMPTXHE308 | Voluntary<br>Same-<br>Lender<br>Debt<br>disclosure<br>not<br>provided<br>to<br>borrower | No | Missing<br>Voluntary<br>Same-<br>Lender<br>Debt<br>Disclosure | (No<br>Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 718 is 98 points above minimum program requirement of 620.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have49 months mortgage payment history 0x30.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 84 months. |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Property<br>Valuations | Appraisal | Active D | PRVAAPPR3116 | Missing<br>updated<br>valuation | Yes | Missing<br>updated<br>valuation.<br>LCA<br>score was<br>not<br>obtained.<br>Clayton to<br>order desk<br>review. | 1/8/2026:<br>CDA<br>received<br>reviewed<br>appraisal<br>from<br>XXX<br>purchase.<br>Clayton<br>to obtain<br>correct<br>CDA. | 1/8/2026:<br>Exception<br>remains. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 718 is 98 points above minimum program requirement of 620.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have49 months mortgage payment history 0x30.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 84 months. |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with +<br>23.09%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 16.68%.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Credit score of 815 is 195 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $18,257 in post close assets. Required reserves: $0.00 |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with +<br>23.09%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is at 16.68%.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Credit score of 815 is 195 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $18,257 in post close assets. Required reserves: $0.00 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **ConditionSub<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;162 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with a<br>6.75%<br>variance.<br>Variance<br>within<br>tolerance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 mid score > min required of 620<br>CFCFS2860: Good credit history - Clayton Comments: Consumer debt: 0x30 x greater than 99 months |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>Loan<br>approved<br>with a<br>PIW.<br>Clayton<br>to order<br>BPO | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with a<br>6.75%<br>variance.<br>Variance<br>within<br>tolerance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 760 mid score > min required of 620<br>CFCFS2860: Good credit history - Clayton Comments: Consumer debt: 0x30 x greater than 99 months |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 791 is 171 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 190 months.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 23.73% is below the guideline minimum of 45%. |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is a<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.635 is below max guides of 89.99%.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.35 is below max of 50%.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 30 years at current profession. |

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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;164 | XXXXXX | XXXXXX | SC | 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 | Loan is a PIW<br>approved,<br>Clayton to order<br>BPO. | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 59.635 is below max guides of 89.99%.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 33.35 is below max of 50%.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 30 years at current profession. |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D B A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Active D | 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. | Yes | Missing<br>verification of<br>either<br>verification of<br>taxes/insurance<br>and HOA if<br>applicable or lot<br>rent expense for<br>Manufactured<br>Housing<br>financed with<br>XXX. Updated<br>1003/1008/AUS<br>required to<br>disclose all<br>expenses<br>related to the<br>Manufactured<br>home. DU AUS<br>must remain<br>Approve/<br>Eligible. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 25 mos. 0x30.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal used of consumer credit, credit line usage 12.26%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D B A | Credit | DTI | Active D | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | Yes | Missing<br>verification of<br>either<br>verification of<br>taxes/insurance<br>and HOA if<br>applicable or lot<br>rent expense for<br>Manufactured<br>Housing<br>financed with<br>XXX. Updated<br>1003/1008/AUS<br>required to<br>disclose all<br>expenses<br>related to the<br>Manufactured<br>home. DU AUS<br>must remain<br>Approve/<br>Eligible. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 25 mos. 0x30.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal used of consumer credit, credit line usage 12.26%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to order<br>BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with +<br>0.19%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 25 mos. 0x30.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal used of consumer credit, credit line usage 12.26%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 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** | **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;166 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | ATR/<br>QM:<br>Status<br>Pending D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with +<br>0.19%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 25 mos. 0x30.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal used of consumer credit, credit line usage 12.26%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 765 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;167 | 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 | No UCDP<br>provided.<br>Clayton to<br>order desk<br>review. | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 7 years and 9 months<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 40.98% LTV below guideline requirements of 70.00% per program.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 777 is 157 points above program guideline minimum of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.21% DTI is below guideline requirement of 45.00%. |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score 769/minimum score 620<br>CFCFS5269: Minimal use of credit - Clayton Comments: no consumer debt<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: good mortgage payment history with no derogatory events |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | XXXXXX | TN | 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 Tolerance<br>Fee of $939.75<br>due to<br>Discount Point<br>fee increase<br>from LE XXX<br>to LE XXX.<br>Provide a valid<br>Change of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of refund<br>check to<br>borrower with<br>proof of<br>delivery via<br>tracking<br>method within<br>60 days of<br>consummation. | 1.6.26 -<br>COC<br>provided | 1.6.26 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer more than 21 years.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.93%; guidelines allow 95%. |

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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;169 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer more than 21 years.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.93%; guidelines allow 95%. |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer more than 21 years.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 781 is 161 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 76.93%; guidelines allow 95%. |
| &nbsp;&nbsp;&nbsp;171 | 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 - Clayton Comments: Borrower has significant time at current job; 12 years and 3 months<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 775 is 155 points above program guideline minimum of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.70% DTI is below guideline requirement of 45.00%. |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>CU score<br>> 2.5.<br>Clayton<br>to order<br>desk<br>review. | 01/05/2026<br>Received<br>CDA<br>supporting<br>value. | 01/05/2026:<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have minimal use of revolving credit<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on mortgage history<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $147,473.75 (39.45 months PITIA) > min required of $0.00 |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition**<br> **Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;175 | 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 B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order BPO | 01/05/2026<br>Received<br>BPO<br>supporting<br>value. | 01/05/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 806 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 84 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;175 | 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 | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with PIW.<br>Clayton to<br>order BPO | 01/05/2026<br>Received<br>BPO<br>supporting<br>value. | 01/05/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 806 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 84 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | 12/30/2024:<br>Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 1/9/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value | 1/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 800 > is above guideline minimum credit score 620.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 9 years. |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | 12/30/2025:<br>Correction<br>to<br>exception.<br>Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 1/9/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value | 1/9/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 800 > is above guideline minimum credit score 620.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job, 9 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**<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;179 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with a<br>PIW);<br>Clayton to<br>order a<br>BPO | 1/5/2026<br>Received BPO.<br>Value<br>supported with<br>+ 0.84%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Co-borrower has income not used to qualify<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score<br>> 2.5.<br>Clayton to<br>order BPO | 1/5/2026<br>Received BPO.<br>Value<br>supported with<br>+ 0.84%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Co-borrower has income not used to qualify<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 785 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;181 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 1/5/2026:<br>Received CDA<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 24 mos. 0x30.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of consumer credit, credit line usage 6.73%. |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 1/5/2026:<br>Received BPO<br>not supporting<br>value.1/8/2026:<br>2055 received<br>supports<br>appraised<br>value. | 1/5/2026:<br>Exception<br>satisfied.1/8/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 751 is 131 points above program guideline minimum of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.12% DTI is below guideline requirement of 45.00%. |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition**<br> **Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | TN | 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 | Loan is<br>approved<br>PIW.<br>Clayton to<br>order<br>BPO. | 1/5/2026:<br>Received BPO<br>not supporting<br>value.1/8/2026:<br>2055 received<br>supports<br>appraised<br>value. | 1/5/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 751 is 131 points above program guideline minimum of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.12% DTI is below guideline requirement of 45.00%. |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 1/5/2026:<br>Exception<br>added<br>after<br>review of<br>trailing<br>docs:<br>1/5/2026:<br>Received<br>BPO not<br>supporting<br>value.<br>Clayton to<br>order next<br>level<br>review. | 1/8/2026: 2055<br>received<br>supports<br>appraised<br>value. | 1/8/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 751 is 131 points above program guideline minimum of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.12% DTI is below guideline requirement of 45.00%. |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | DU<br>approved<br>with PIW. | 1/5/2026:<br>Received BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 Credit score exceeds guidelines of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 257 months with 0x30 mortgage payment history exceeds guideline required 12 months. |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation<br>to support<br>$XXX<br>value used<br>with PIW<br>with no<br>CU or<br>LCA<br>score.<br>Clayton to<br>order<br>BPO. | 1/5/2026:<br>Received BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 787 Credit score exceeds guidelines of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 257 months with 0x30 mortgage payment history exceeds guideline required 12 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** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;194 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 5 years 10 months in same line of work. B2 has 6 years 1 month in same line of work.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 51 mos. 0x30 and 25 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score 774 above program requirement 620. |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | ID | 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>is > 2.5.<br>Clayton<br>to order<br>desk<br>review. | 1/5/2026<br>Received<br>Desk<br>Review.<br>Value<br>supported<br>with 0%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has significant time at current job; 11 years and 4 months<br>CFCFS1736: Significant time at current residence - Clayton Comments: Significant time at current residence; 10 years and 9 months<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 727 is 107 points above program guideline minimum of 620. |
| &nbsp;&nbsp;&nbsp;197 | 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>updated<br>valuation.<br>CU score<br>is > 2.5.<br>Clayton<br>to order<br>Desk<br>Review. | 1/5/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 803 is 183 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 181 months.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 30.58% is below the guideline minimum of 45%. |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>missing.<br>Clayton<br>to order<br>desk<br>review. | 01/05/2026<br>Received<br>CDA<br>supporting<br>value. | 01/05/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 65.67%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 754 is 134 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 32.78% is below the guideline maximum of 50%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition**<br> **Sub<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;201 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | 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 | B1 VVOE<br>dated<br>XXX<br>reflects<br>incorrect<br>spelling<br>for<br>borrower<br>first name | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: 0 x 30 in 49 months<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9+ years with current employer |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO\*DU<br>AUS<br>approved<br>Property<br>Data<br>Hybrid<br>Appraisal<br>(page 446)<br>with<br>Special<br>Feature<br>Code 774 | 01/05/2026<br>Received<br>BPO<br>supporting<br>value. | 01/05/2026<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: 0 x 30 in 49 months<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9+ years with current employer |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | MO | 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 | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO\*DU<br>AUS<br>approved<br>Property<br>Data<br>Hybrid<br>Appraisal<br>(page 446)<br>with<br>Special<br>Feature<br>Code 774 | 01/05/2026<br>Received<br>BPO<br>supporting<br>value. | 01/05/2026<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: 0 x 30 in 49 months<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9+ years with current employer |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | XXXXXX | IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | APR<br>Tolerance | Satisfied B A | CMPAPRT110 | APR -<br>Insufficient<br>Information<br>for APR-<br>Payment<br>Stream<br>Testing | No | Provide<br>MI<br>Certificate. | 12/30/2025:<br>Received<br>MI Cert.<br>Exception<br>auto-<br>satisfied. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $30,658.02 (8.21 months PITIA reserves) > min required reserves: $0.00<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 mid score > min required of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 13.96% is below the guideline maximum of 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 196 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** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID<br>Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | XXXXXX IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | Documentation | Satisfied C A | CMPDOC5455 | Mortgage<br>Insurance<br>required but<br>MI Certificate<br>is missing | No | Provide MI<br>Certificate. | 12/30/2025:<br>Received<br>MI Cert. | 12/30/2025:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $30,658.02 (8.21 months PITIA reserves) > min required reserves: $0.00<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 mid score > min required of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 13.96% is below the guideline maximum of 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 196 months. |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | XXXXXX IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | Right of<br>Rescission | Active B | CMPROR1909 | Incorrect<br>ROR Form<br>Used - H8<br>Form Used in<br>Refinance<br>With Original<br>Creditor | No | H-8<br>utilized for<br>Lender is<br>XXX and<br>Payoff is to<br>the Same. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $30,658.02 (8.21 months PITIA reserves) > min required reserves: $0.00<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 mid score > min required of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 13.96% is below the guideline maximum of 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 196 months. |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | XXXXXX IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/RESPA<br>Integrated<br>Disclosure | Satisfied C 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<br>of $546.7<br>due to<br>Discount<br>fee<br>increased<br>with no<br>valid<br>reason in<br>file.<br>Provide<br>COC<br>reflecting<br>valid<br>reason for<br>the fee<br>changes or<br>PCCD with<br>cure, copy<br>of cure<br>check,<br>LOE to<br>borrower<br>and<br>evidence of<br>delivery<br>via method<br>including<br>tracking<br>information<br>within 60<br>days of<br>discovery. | 1.6.26 -<br>COCs<br>provided | 1.6.26 -<br>Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $30,658.02 (8.21 months PITIA reserves) > min required reserves: $0.00<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 mid score > min required of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 13.96% is below the guideline maximum of 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 196 months. |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | XXXXXX IA | 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 | Missing<br>FNMA<br>UCDP risk<br>score.<br>Clayton to<br>order desk<br>review. | 1/5/2026<br>Received<br>Desk<br>Review.<br>Value<br>supported<br>with 0%<br>variance. | 1/5/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $30,658.02 (8.21 months PITIA reserves) > min required reserves: $0.00<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 mid score > min required of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 13.96% is below the guideline maximum of 45%.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 196 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** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Terms/<br>Guidelines | Satisfied D A | CRDTER2548 | Missing<br>AUS or<br>AUS<br>errors<br>present | No | DU is<br>incomplete.<br>Missing<br>pages. | 12/30/2025<br>Received<br>complete copy<br>DU AUS<br>submission 7. All<br>terms of AUS<br>met.<br>Recommendation<br>is Approve/<br>Eligible. | 12/30/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 791 is 171 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.18% is below the guideline minimum of 50%.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 155 months.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $55,437.23 (14.64 months PITIA reserves) > min required of $0.00 |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 1/2/2026:<br>Received BPO<br>supporting value. | 1/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 791 is 171 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.18% is below the guideline minimum of 50%.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 155 months.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $55,437.23 (14.64 months PITIA reserves) > min required of $0.00 |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | CO | 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 | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 1/2/2026:<br>Received BPO<br>supporting value. | 1/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 791 is 171 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.18% is below the guideline minimum of 50%.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 155 months.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrower has $55,437.23 (14.64 months PITIA reserves) > min required of $0.00 |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 1/7/2026: BPO<br>provided<br>supports<br>appraised value | 1/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 716 is 96 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 230 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 50 months mortgage payment history 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets $122,831.26 or 45.54 months PITI; No reserves required per AUS. |

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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;209 | XXXXXX | XXXXXX | TX | 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 | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/7/2026:<br>BPO<br>provided<br>supports<br>appraised<br>value | 1/7/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 716 is 96 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 230 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 50 months mortgage payment history 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets $122,831.26 or 45.54 months PITI; No reserves required per AUS. |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 27 months<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $19,017.80<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 FICO exceeds minimum 620 |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | XXXXXX | NJ | 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 | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: 0 x 30 in 27 months<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $19,017.80<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 FICO exceeds minimum 620 |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU/LCA<br>score is<br>missing.<br>Clayton<br>to order<br>desk<br>review. | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 808 > is above guideline minimum credit score 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV: 65.88% is 31.12 points below the program guideline maximum 97%.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: 23.69% is 21.31 points below the program 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;213 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Compliance | Texas<br>Home<br>Equity | Active B | CMPTXHE321 | TX Equity -<br>Texas<br>Equity :<br>Missing<br>T.42.1 Title<br>Endorsement | No | TX Equity -<br>Texas<br>Equity :<br>Missing<br>T.42.1 Title<br>Endorsement | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 is 158 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.62% is below the guideline minimum of 45%. |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A B | Property<br>Valuations | Appraisal | Active D | PRVAAPPR3116 | Missing<br>updated<br>valuation | Yes | Missing<br>updated<br>valuation.<br>CU score ><br>2.5. Clayton<br>to order desk<br>review. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 778 is 158 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.62% is below the guideline minimum of 45%. |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 1/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 747 is 127 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.44%; guidelines allow 80%.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.27% is below the guideline maximum of 50%.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 185 months.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 126 months.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 169 months. |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved.<br>Clayton to<br>order BPO. | 1/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 747 is 127 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 64.44%; guidelines allow 80%.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 34.27% is below the guideline maximum of 50%.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 185 months.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been at current job for 126 months.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has been at current job for 169 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** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Legal<br>Documents | Satisfied D A | CRDLGL100 | Legal<br>document<br>incorrect or<br>incomplete | No | Subject<br>address per<br>Appraisal,<br>Sales<br>Contract,<br>HOI, Flood<br>and Sales<br>Contract is<br>XXX. The<br>Note, the<br>Mortgage and<br>General<br>Warranty<br>Deed all show<br>XXX.<br>Correction<br>required and<br>proof of re-<br>recordation. | 12/8/2025:<br>Received<br>proof of<br>correction<br>and re-<br>recordation. | 12/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: 0 x 30 in 99 months.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.99 LTV is below Max 97<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 767 credit score exceeds minimum FICO score of 620 by 147 points.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 21.94 DTI is below 45 Max |
| &nbsp;&nbsp;&nbsp;600 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<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 | 1. The<br>retirement<br>statement<br>references a<br>former spouse<br>deduction in<br>the amount of<br>$XXX.<br>Provide<br>divorce<br>decree/<br>separation<br>agreement.2.<br>Provide<br>supporting<br>documentation<br>for the<br>separate<br>maintenance<br>expense in the<br>amount of<br>$331.07 as<br>listed on the<br>final loan<br>application. | 10/13/2025:<br>Received<br>Divorce<br>decree and<br>the HOA<br>verification.<br>Divorce<br>Decree<br>shows $0<br>obligation.<br>Clayton is<br>leaving the<br>obligation<br>in and<br>lender<br>provide<br>App/Eli

#17 with<br>46.35%<br>DTI. | 10/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Client has good credit history<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates listed on credit report<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 credit score exceeds minimum FICO score by 169 points. |
| &nbsp;&nbsp;&nbsp;600 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D 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 | 1. The<br>retirement<br>statement<br>references a<br>former spouse<br>deduction in<br>the amount of<br>$XXX.<br>Provide<br>divorce<br>decree/<br>separation<br>agreement.2.<br>Provide<br>supporting<br>documentation<br>for the<br>separate<br>maintenance<br>expense in the<br>amount of<br>$331.07 as<br>listed on the<br>final loan<br>application. | 10/13/2025:<br>Received<br>Divorce<br>decree and<br>the HOA<br>verification.<br>Divorce<br>Decree<br>shows $0<br>obligation.<br>Clayton is<br>leaving the<br>obligation<br>in and<br>lender<br>provide<br>App/Eli

#17 with<br>46.35%<br>DTI. | 10/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Client has good credit history<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: No mortgage lates listed on credit report<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 789 credit score exceeds minimum FICO score by 169 points. |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR275 | Completed<br>"Subject<br>To" w/o<br>Completion<br>Cert in File | No | Missing form<br>1004D to<br>support the<br>completion of<br>subject<br>construction.<br>Appraisal was<br>completed<br>subject to. | 10/13/2025:<br>Received<br>cert signed<br>by builder<br>and<br>borrower,<br>with photos<br>showing<br>100%<br>complete. | 10/13/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrower credit score of 801 exceeds min score requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS2854: Significant time in profession - Clayton Comments: Co-Borrower has been in this line of work in the past: 38 years.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Borrower has been with employer in the past: 38 years.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has lived at current residence for the past: 20 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**<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;222 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is not<br>provided.<br>Clayton to<br>order desk<br>review. | 1/5/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. | (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.30% is below Guidelines 45% maximum.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been employed in current line of profession for 7 years.<br>CFCFS2860: Good credit history - Clayton Comments: 0x30,0x60,0x90 with the oldest tradeline from 10/2009. |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 707 is 87 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 21.48% is below the guideline minimum of 45%.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have 99 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID5742 | TRID -<br>CD: In the<br>CD<br>Escrow<br>section,<br>You will<br>not have<br>an escrow<br>account is<br>indicated,<br>but<br>[Estimated<br>Property<br>Costs over<br>Year 1] =<br>$0 or Null | No | Per the<br>final CD,<br>escrow has<br>been<br>declined,<br>however,<br>the<br>estimated<br>property<br>costs over<br>Year 1 is<br>blank loan<br>disclosure<br>section. .<br>LOX and<br>redisclosed<br>CD within<br>60 days of<br>discovery | 1.6.26 -<br>LOX and<br>PCCD<br>received | 1.6.26 -<br>Exception<br>satisfied | Numeric | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.18 DTI; guidelines allow 45%<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrower has 99 months of mortgage payments with 0x30<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Both borrower have been on their jobs over 24 months and in the same line of business for the last 10 years |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CB has been with current employer for more than 9 years.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO: Credit score of 796 is 176 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI: DTI 26.58% is below the guideline maximum of 50%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition**<br> **Sub<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;229 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected CD<br>should have<br>been<br>provided;<br>Change of<br>Product or<br>Product<br>Feature not<br>disclosed at<br>least 3<br>business days<br>prior to<br>closing | No | Initial CD<br>missing. | 1.7.2026<br>- ICD<br>received | 1.7.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 761 is 141 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.04% DTI is below guideline requirement of 45.00%. |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting period | No | Initial CD<br>missing. | 1.7.2026<br>- ICD<br>received | 1.7.2026 -<br> Exception<br>satisifed (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 761 is 141 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.04% DTI is below guideline requirement of 45.00%. |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A 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 $3,720.00<br>due to<br>increase in<br>Discount<br>Points on<br>Final CD<br>XXX.<br>Missing a<br>valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 1.7.2026<br>- Missing<br>COC and<br>CD<br>received | 1.7.2026 -<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 761 is 141 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.04% DTI is below guideline requirement of 45.00%. |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation. CU<br>score > 2.5.<br>Clayton to<br>order desk<br>review. | 1/5/2026<br>Received<br>Desk<br>Review.<br>Value<br>supported<br>with 0%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 761 is 141 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 38.04% DTI is below guideline requirement of 45.00%. |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition**<br> **Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | NC | 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 score<br>> 2.5;<br>Clayton to<br>order desk<br>review | 1/5/2026<br>Received Desk<br>Review. Value<br>supported with<br>0% variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | (No Data) |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | FEMA | Waived B | PRVAFEMA856 | Natural<br>Disaster<br>Area, no<br>subsequent<br>inspection<br>(Public) | No | Disaster<br>declared<br>on XXX;<br>Appraisal<br>dated<br>5/28/2025 | 12/17/2025:<br>Client is<br>acknowledging<br>Level 2<br>exception for<br>Public<br>assistance<br>only. | 12/17/2025:<br>Exception<br>waived<br>non-<br>material. (No<br>Data) | Not<br>Applicable | (No Data) |
| &nbsp;&nbsp;&nbsp;232 | 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>Updated<br>Valuation:<br>CU score<br>> 2.5.<br>Clayton to<br>order desk<br>review. | 12/30/2025<br>Received desk<br>review. Value<br>supported with<br>0% tolerance. | 12/30/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: B1 has 20 years 2 months at current residence. B2/B3 has 42 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $70,196.21 exceed required reserves $27,591.57.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 15 years on current job. |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 716 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower's have an good credit payment history with 99 months reviewed reporting 1 late payments. |

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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;598 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan<br>approved with<br>a Property<br>Inspection<br>Waiver<br>(PIW);<br>Clayton to<br>order a BPO | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 57%<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 20 years at current XXX job |
| &nbsp;&nbsp;&nbsp;598 | XXXXXX | XXXXXX | OK | 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 | Loan<br>approved with<br>a Property<br>Inspection<br>Waiver<br>(PIW);<br>Clayton to<br>order a BPO | 11/10/2025:<br>Received<br>BPO<br>supporting<br>value. | 11/10/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: The total LTV is 57%<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 20 years at current XXX job |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | 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 $1339.20<br>due to<br>increase in<br>City/County<br>Tax/Stamps<br>on CD XXX.<br>Missing a<br>valid Change<br>of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of<br>refund check<br>to borrower. | 1.8.2026 -<br>LOE, and<br>Final<br>ALTA<br>received | 1.8.2026 -<br> Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have67 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 740 is 120 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $39,754.00 (8.04 months PITIA reserves) > min required of $0.00 |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with +<br>20.00%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have67 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 740 is 120 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $39,754.00 (8.04 months PITIA reserves) > min required of $0.00 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition**<br> **Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with +<br>20.00%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have67 months mortgage payment history 0x30.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 740 is 120 points above minimum program requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $39,754.00 (8.04 months PITIA reserves) > min required of $0.00 |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation<br>to<br>support<br>appraised<br>value of<br>$XXX.<br>LCA in<br>file has<br>no score. | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 788 > 168 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 56.377% LTV for Subject Property is below guideline max LTV of 95%<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.73% is above the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;237 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: 9+ years at present job<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: $0.00 reserves requiredPost close reserves $10,188.77<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 39.49 below max 45 |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is ><br>2.5.<br>Clayton<br>to order<br>desk<br>review | 1/5/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 142 points above guideline minimum of 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 6 points below guideline maximum. |

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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;245 | 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>updated<br>valuation:<br>LCA<br>score ><br>2.5.<br>Clayton<br>to order<br>desk<br>review. | 1/5/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 730 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 32 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 38.59%/maximum 50%<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 726/minimum 620<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 70.59%/maximum 90% |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer more than 10 years.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 79.8%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 736 is 116 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 754 mid score > min required of 620<br>CFCFS2854: Significant time in profession - Clayton Comments: B1 has been in profession for 45 years.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $98,896.47 (18.70 months PITIA reserves) > min required reserves of $0.00<br>CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has bonus income that is not being used to qualify |

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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;255 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>Approved,<br>Clayton to<br>order BPO | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 736. Guideline minimum is 620.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers are utilizing 26% of the available revolving credit limit.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets of $14,113.64 or 2.38 months PITIA. No reserves are required. |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | WA | 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 | Loan is PIW<br>Approved,<br>Clayton to<br>order BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified credit score 736. Guideline minimum is 620.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers are utilizing 26% of the available revolving credit limit.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-close assets of $14,113.64 or 2.38 months PITIA. No reserves are required. |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | XXXXXX | MN | 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 Tolerance<br>Fee of $223<br>due to Final<br>Appraisal<br>($200) fee<br>added on CD<br>XXX and<br>Transfer Taxes<br>($23) increase<br>on CD XXX.<br>Provide a valid<br>Change of<br>Circumstance,<br>or Post Close<br>CD, LOX and<br>copy of refund<br>check to<br>borrower with<br>proof of<br>delivery via<br>tracking<br>method within<br>60 days of<br>consummation. | 1.7.26 -<br>COC<br>received | 1.7.26 -<br> Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score 813 is 193 points above minimum program requirement of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Borrower has 0x30 for 231 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has over 37 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;269 | XXXXXX | XXXXXX | MS | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 758 mid score > min required of 620<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower resided at departure residence for 23 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**<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;270 | 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 - Clayton Comments: Borrower has 6 years 1 month at current job.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 41 mos. 0x30.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of consumer credit, credit line usage 0.89%. |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | VA | 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 | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 700 is 80 points above minimum program requirement of 620.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers has lived at current residence for 127 months. |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is > 2.5.<br>Clayton to<br>order desk<br>review. | 1/5/2026<br>Received<br>Desk Review.<br>Value<br>supported<br>with 0%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 700 is 80 points above minimum program requirement of 620.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers has lived at current residence for 127 months. |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Active C | CMPTRID3604 | TRID -<br>Error<br>discovered<br>on<br>Closing<br>Disclosure | Yes | Please<br>provide<br>verification/clarification<br>of<br>cancellation<br>of fully<br>executed<br>Note and<br>Mortgage<br>and CD<br>XXX. Two<br>closing<br>packages<br>were<br>located in<br>the file.<br>Review<br>conducted<br>on XXX<br>transaction.<br>Please note<br>additional<br>conditions<br>may be<br>required<br>upon<br>receipt and<br>review. | 1.6.2026 -<br> per legal<br>exception<br>remains.<br>Unfortunately,<br>we still need<br>additional<br>clarifaction or<br>cancellation<br>regarding the<br>previous Note<br>dated XXX<br>due to all docs<br>are fully<br>executed by<br>the borrower. | 1.6.2026<br>-<br>Exception<br>remains (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 20 years at profession.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 771 EXCEEDS MIN OF 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves of $913128.54 exceeds 0 reserves required. |

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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;276 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | Texas<br>Home<br>Equity | Satisfied C B | CMPTXHE108 | TX Equity<br>- Total<br>fees<br>greater<br>than the<br>allowable<br>cap | No | Adjusted<br>charges<br>$5379.97.<br>Maximum<br>charges<br>$4365.00.<br>Charges<br>margin to<br>threshold<br>$1014.97.<br>Maximum<br>charges %<br>2%. Total<br>charges %<br>2.465%. | 12.31.2025 -<br>Undiscounted<br>rate provided | 12.31.2025<br>-<br> Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B2 has significant time in profession 7.58 years<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 738 FICO score. Minimum required 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 29.68% DTI below guideline requirement 45%<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit reflects oldest tradeline date 8/2006, reporting 0x30 |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | No UCDP.<br>Clayton to<br>order Desk<br>Review. | 1/5/2026:<br>Received CDA<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 149 points above guideline minimum of 620<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower mortgage payment 0x30x43 |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<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<br>review<br>and render<br>an<br>accurate<br>ATR/QM<br>status. | No | Missing AUS<br>reflecting<br>Accept /<br>Eligible. Most<br>recent<br>submission<br>(LP #5)<br>reflects<br>Accept /<br>Ineligible | 12/30/2025<br>Received<br>updated LP<br>AUS<br>submission 6.<br>LP updated to<br>resolve assets<br>issue. LP<br>recommendation<br>now<br>Streamlined<br>Accept. All<br>other terms<br>remained same. | 12/30/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $270,727.70 (50.47 months PITIA reserves) > min required reserves of $0.00<br>CFCFS1736: Significant time at current residence - Clayton Comments: 22 years current residence<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 credit score > min. requirement per guides of 620 |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | XXXXXX | MN | 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<br>errors<br>present | No | Provide final<br>AUS run<br>reflecting<br>Accept/<br>Eligible. Run

#05. dated<br>XXX in file<br>Accept/<br>Ineligible.<br>Credit,<br>income, assets<br>must match<br>final signed<br>1003. | 12/30/2025<br>Received<br>updated LP<br>AUS<br>submission 6.<br>LP updated to<br>resolve assets<br>issue. LP<br>recommendation<br>now<br>Streamlined<br>Accept. All<br>other terms<br>remained same. | 12/30/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $270,727.70 (50.47 months PITIA reserves) > min required reserves of $0.00<br>CFCFS1736: Significant time at current residence - Clayton Comments: 22 years current residence<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 credit score > min. requirement per guides 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** | **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;280 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>could not<br>be<br>assessed.<br>Clayton to<br>order desk<br>review | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $270,727.70 (50.47 months PITIA reserves) > min required reserves of $0.00<br>CFCFS1736: Significant time at current residence - Clayton Comments: 22 years current residence<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 798 credit score > min. requirement per guides of 620 |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA2700 | RESPA -<br>List of<br>homeowners<br>counseling<br>organizations<br>not provided<br>w/in 3 days<br>of<br>application | No | Initial<br>application<br>was taken<br>XXX, the<br>Housing<br>Counselors<br>List was<br>not issued<br>until XXX.<br>Greater<br>than the<br>required 3<br>days | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 753 is 133 points above minimum program requirement of 620.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have13 months mortgage payment history 0x30.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Low usage of available revolving credit lines @ 13% |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 24 months mortgage history 0x30.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 66.67%; guidelines allow 80% |
| &nbsp;&nbsp;&nbsp;285 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B | Compliance | State<br>Consumer<br>Protection | Active B | CMPSTCP117 | OH CSPA;<br>Home<br>Mortgage<br>Information<br>Document<br>not provided | No | OH CSPA;<br>Home<br>Mortgage<br>Information<br>Document<br>not<br>provided | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer more than 41 years.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CB has been self-employed for more than 38 years.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: Credit score of 804 is 184 points above minimum program requirement 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** | **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;286 | XXXXXX | XXXXXX | OK | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage payment history is positive over the review period<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post-closing reserves are $100,011.55 or 25.35 months PITI. No reserves required by DU. |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Property<br>Valuations | Appraisal | Satisfied A B | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for more than 13 years.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 769 is 149 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 784 FICO exceeds minimum 620<br>CFCFS2860: Good credit history - Clayton Comments: 0 x 30 in 95 months |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU score<br>> 2.8.<br>Clayton to<br>order desk<br>review. | 12/30/2025:<br>12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 30 years ion same line of work.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of credit, credit line usage 0.22%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $1,295,086.96 exceed required reserves $0.00. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition**<br> **Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;293 | XXXXXX | XXXXXX | VA | 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 | Provide<br>the<br>Required<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 37 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $94,948.06 exceed required reserves $0.00.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years ion same line of work. |
| &nbsp;&nbsp;&nbsp;293 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 37 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $94,948.06 exceed required reserves $0.00.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years ion same line of work. |
| &nbsp;&nbsp;&nbsp;293 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 37 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $94,948.06 exceed required reserves $0.00.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 10 years ion same line of work. |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | FL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 792 FICO score. Minimum required 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** | **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;300 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 793 is 173 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 36+ months with 0x30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $754,576.12 (317.06 months PITIA reserves) > min required of $0 |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>orderBPO | 1/5/2026<br>Received BPO.<br>Value supported<br>with + 1.28%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $35,054.72 or 17.86 months of PITI Required Reserves are $0.00<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 Month payment history required, credit reports 48 months<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower using only 25% of available credit |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | XXXXXX | ID | 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 | Loan<br>Approved<br>with PIW.<br>Clayton to<br>order<br>BPO | 1/5/2026<br>Received BPO.<br>Value supported<br>with + 1.28%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $35,054.72 or 17.86 months of PITI Required Reserves are $0.00<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 Month payment history required, credit reports 48 months<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower using only 25% of available credit |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | SD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | 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<br>review<br>and render<br>an<br>accurate<br>ATR/QM<br>status. | No | Missing<br>proof that<br>lease for<br>XXX was<br>initiated<br>to support<br>used of<br>the rental<br>income of<br>$2,040.00<br>per month<br>used to<br>qualify.<br>Bank<br>statements<br>in file any<br>proof of<br>receipt of<br>rent, 1st<br>mos.<br>deposit or<br>security<br>deposit. | 12/22/2025<br>Received<br>updated DU<br>AUS/1008 to<br>restructure loan<br>without use of<br>the rental<br>income.<br>Acceptable<br>changes made to<br>AUS to remove<br>rental income.<br>Recommendation<br>remained<br>Approve/<br>Eligible. | 12/30/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 47 mos. 0x30.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have minimal use of consumer credit, credit line usage 8.96%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $9,209.30 exceed required reserves $0.00. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition**<br> **Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | SD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied D A | CRDINC2408 | Income<br>verification<br>does not<br>meet<br>guidelines | No | Missing<br>proof that<br>lease for<br>XXX was<br>initiated to<br>support<br>used of the<br>rental<br>income of<br>$2,040.00<br>per month<br>used to<br>qualify.<br>Bank<br>statements<br>in file have<br>no proof of<br>receipt of<br>rent, 1st<br>mos.<br>deposit or<br>security<br>deposit. | 12/22/2025<br>Received<br>updated DU<br>AUS/1008 to<br>restructure loan<br>without use of<br>the rental<br>income.<br>Acceptable<br>changes made to<br>AUS to remove<br>rental income.<br>Recommendation<br>remained<br>Approve/<br>Eligible. | 12/30/2025<br>Exception<br>satsfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 47 mos. 0x30.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have minimal use of consumer credit, credit line usage 8.96%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $9,209.30 exceed required reserves $0.00. |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | SD | 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 | No CU<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 12/30/2025:<br>Received CDA<br>supporting value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 47 mos. 0x30.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have minimal use of consumer credit, credit line usage 8.96%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $9,209.30 exceed required reserves $0.00. |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>CU score ><br>2.5.<br>Clayton to<br>order desk<br>review | 12/30/2025:<br>Received CDA<br>supporting value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: CB has 16 years in same line of work/profession<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 775 credit score > min. requirement of 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 22.91% DTI is > max allowable per guides of 45% |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan<br>approved<br>with a<br>PIW,<br>Clayton to<br>order a<br>BPO | 1/5/2026<br>Received BPO.<br>Value supported<br>with + 10.10%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 25 years at current SE job<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 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** | **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;306 | XXXXXX | XXXXXX | NV | 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 | Loan<br>approved with<br>a PIW,<br>Clayton to<br>order a BPO | 1/5/2026<br>Received<br>BPO. Value<br>supported<br>with +<br>10.10%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 25 years at current XXX job<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 783 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;310 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation. CU<br>score > 2.5.<br>Clayton to<br>order desk<br>review | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: 12% revolving credit utilization<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 6.4 years current job time<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 24.90% DTI is > max allowable per guides of 45% |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Credit | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; Lender<br>did not<br>provide an<br>ATR/QM<br>status<br>determination. | No | Provide<br>Lender QM<br>determination. | 12/30/2025:<br>Received Safe<br>Harbor<br>determination. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for more than 13 years.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.40% is below the guideline maximum of 50%. |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for more than 13 years.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.40% is below the guideline maximum of 50%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition**<br> **Sub<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;317 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for more than 13 years.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 29.40% is below the guideline maximum of 50%. |
| &nbsp;&nbsp;&nbsp;320 | 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>updated<br>valuation.<br>LCA<br>score ><br>2.5.<br>Clayton<br>to order<br>desk<br>review. | 1/5/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit Score of 780 is 160 points above program minimum requirement of 620.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 19 years. |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | XXXXXX | NV | 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 - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Borrowers have a mid score of 817<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $180,378.78 (26.97 months PITIA reserves) > min required of $0 |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with a<br>6.78%<br>variance.<br>Variance<br>with<br>tolerance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.60 DTI below 45 max<br>CFCFS2860: Good credit history - Clayton Comments: 0 x 30 in 67 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** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | UT | 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 | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with a<br>6.78%<br>variance.<br>Variance<br>with<br>tolerance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: 25.60 DTI below 45 max<br>CFCFS2860: Good credit history - Clayton Comments: 0 x 30 in 67 months |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliated<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrowers have no history of late payments<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers are using less than 10% of available credit<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 month payment history required, credit reports 40 months |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | XXXXXX | AR | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | CU score<br>is > 2.7.<br>Clayton to<br>order desk<br>review. | 01/05/2026<br>Received<br>CDA<br>supporting<br>value | 01/05/2026:<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrowers have no history of late payments<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers are using less than 10% of available credit<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 month payment history required, credit reports 40 months |
| &nbsp;&nbsp;&nbsp;327 | XXXXXX | XXXXXX | CA | 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 | Affiliated<br>Business<br>Disclosure<br>is missing | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 760 is 140 points above program minimum requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $15,760.03 or 2.90 PITIA > min required of $0 |

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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;328 | XXXXXX | XXXXXX | TN | 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 the<br>Affiliated<br>Business<br>Disclosure. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 719/minimum 620<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has occupied subject property for 14 years |
| &nbsp;&nbsp;&nbsp;328 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA score<br>> 2.5.<br>Clayton to<br>order desk<br>review. | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 719/minimum 620<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has occupied subject property for 14 years |
| &nbsp;&nbsp;&nbsp;329 | 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 - Clayton Comments: Borrower has 6.75yrs tenure with the current employer<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-Borrower has 5.67yrs tenure with current employer<br>CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 794 Median Credit Score, Oldest Trade is 11/2005 |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR275 | Completed<br>"Subject<br>To" w/o<br>Completion<br>Cert in File | No | Missing<br>Completion<br>Cert. | 12/16/2025<br>Received<br>completion<br>cert.<br>Supports all<br>construction<br>completed. | 12/30/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 26.40% is below Guidelines 45% maximum.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 26 years and 5 months.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 813 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** | **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;333 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>returned<br>no score.<br>Clayton to<br>order desk<br>review. | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: Significant time in profession, 9 years<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 761 FICO score. Minimum required 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 35.86% dti; Max DTI is 45% |
| &nbsp;&nbsp;&nbsp;336 | 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 - Clayton Comments: Borrower has 5 years & 6 months at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 159 points above guideline minimum of 620 |
| &nbsp;&nbsp;&nbsp;338 | XXXXXX | XXXXXX | ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 12 years and 4 months at current job<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 7 years & 10 months at current residence<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 7 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 159 points above guideline minimum of 620 |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | TX | 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 | Required<br>Affiliate<br>Business<br>Disclosure<br>missing. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: Max DTI 45%; DTI 13.48%<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Minimum 620; Fico 754<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: post-close reserves $282,391.91 or 42.71 months PITIA. Required reserves: $0.00 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition**<br> **Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: 10+ years in same profession<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 796 FICO exceeds minimum 620 |
| &nbsp;&nbsp;&nbsp;346 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $753,028.31 or 155.82 PITIA<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV 37.45%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;349 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit - Clayton Comments: 21% revolving credit utilization<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: 10.7 years current job time |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $101,372.59 or 22.30 months. No reserves required.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 30.19% is below Guidelines 45% maximum.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 53 months reviewed. |

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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;350 | 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 | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $101,372.59 or 22.30 months. No reserves required.<br>CFCFS1744:<br> DTI below guideline requirement - Clayton Comments: DTI of 30.19% is below Guidelines 45% maximum.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 53 months reviewed. |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is<br>not<br>obtained.<br>Clayton<br>to order<br>desk<br>review. | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 31.67% is below Guidelines 45% maximum.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 71.96% is below Guidelines maximum of 95%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $20,176.75 exceed $0.00 required. |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets are $29,885.61; no reserves required<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 39.89% DTI; guidelines allow 45%<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low credit usage of 1.36% |
| &nbsp;&nbsp;&nbsp;355 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA<br>score not<br>obtained.<br>Clayton<br>to order<br>desk<br>review. | 1/5/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of revolving credit<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 788 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** | **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;359 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA<br>score is ><br>2.5.<br>Clayton<br>to order<br>desk<br>review. | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 5.08 years in the same profession<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 783 FICO score. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;369 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with a +<br>9.55%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.10% LTV below guideline requirements of 97.00% per program.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 785 is 165 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| &nbsp;&nbsp;&nbsp;369 | XXXXXX | XXXXXX | CO | 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 | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with a +<br>9.55%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.10% LTV below guideline requirements of 97.00% per program.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO of 785 is 165 points above program guideline minimum of 620.<br>CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments: 0x30 for 60+ months |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | XXXXXX | HI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 801 is 181 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 97%.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has 0x30 for 133 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** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | AL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $14,405.24 exceeds required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 727 exceeds required score 620. |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 5 years at current profession.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 790 exceeds min score of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $62,892.73 or 11.26 months of PITIA. Required reserves are $0.00 |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | HI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA (or<br>CU)<br>score is ><br>2.5.<br>Clayton<br>to order<br>desk<br>review. | 1/5/2026<br>Received<br>Desk<br>Review.<br>Value<br>supported<br>with 0%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close asset $61,005.32 or 8.39 PITIA<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 78.87%; guidelines allow 80%. |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with +<br>4.96%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.87% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 790 is 170 points above minimum program requirement 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** | **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;375 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with +<br>4.96%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 41.87% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 790 is 170 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | SD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO<br>Third<br>Party | 1/9/2026<br>Received<br>BPO.<br>Value<br>supported<br>with +<br>7.36%<br>varance. | 1/9/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 759 > 139 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 95%<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 4.02% is above the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | SD | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Property | Satisfied D A | PRVAPROP132 | Missing<br>HOA<br>Certificate/<br>Questionnaire | No | Missing<br>Proof of<br>monthly<br>HOA<br>fees of<br>$133.33<br>per<br>month for<br>the<br>subject<br>property. | 1/6/2026:<br>Received<br>HOA<br>info. | 1/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 759 > 139 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 95%<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 4.02% is above the minimum program requirements of 45% |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 741 FICO exceeds minimum 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: 40.07 DTI below max 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;382 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan<br>subject to<br>Ability to<br>Repay/<br>Qualified<br>Mortgage<br>rule; the loan<br>file is missing<br>documents to<br>complete the<br>ATR/QM<br>review and<br>render an<br>accurate ATR/<br>QM status. | No | 1. Missing<br>proof of<br>insurance for<br>subject<br>property in<br>effect at time<br>of close<br>supporting<br>sufficient<br>coverage and<br>expense<br>$227.08/month<br>used to<br>qualify.<br>Evidence of<br>hazard in file<br>reflects<br>property<br>address<br>XXX.2.<br>Provide<br>documentation<br>to support<br>borrowers<br>have no<br>ownership<br>interest in<br>XXX. | 12/30/2025<br>Received<br>evidence<br>of hazard<br>with<br>property<br>street #<br>updated.<br>Expense<br>used to<br>qualify<br>supported.<br>Received<br>property<br>detail<br>report for<br>XXX.<br>Supports<br>borrowers<br>have no<br>ownership. | 12/30/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 13 years 9 months at current job.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 63 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $213,068.04 exceed required reserves of $0.00. |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Credit/<br>Mtg<br>History | Satisfied C A | CRDCRMH1805 | Debts/<br>obligations<br>not disclosed/<br>accounted for<br>at origination | No | Provide<br>documentation<br>to support<br>borrowers<br>have no<br>ownership<br>interest in<br>XXX. | 12/30/2025<br>Received<br>property<br>detail<br>report to<br>support<br>borrower<br>has no<br>ownership<br>in<br>property. | 12/30/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 13 years 9 months at current job.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 63 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $213,068.04 exceed required reserves of $0.00. |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard<br>Insurance<br>documentation<br>in file is<br>incomplete | No | Missing proof<br>of insurance<br>for subject<br>property in<br>effect at time<br>of close<br>supporting<br>sufficient<br>coverage and<br>expense<br>$227.08/month<br>used to<br>qualify.<br>Evidence of<br>hazard in file<br>reflects<br>property<br>address XXX. | 12/30/2025<br>Received<br>evidence<br>of hazard<br>with<br>property<br>street #<br>updated.<br>Expense<br>used to<br>qualify<br>supported. | 12/30/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 13 years 9 months at current job.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 63 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $213,068.04 exceed required reserves of $0.00. |
| &nbsp;&nbsp;&nbsp;383 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: Borrower has been 15 years in the same profession.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.85% is below Guidelines 45% maximum.<br>CFCFS1747: Housing expense increase is 10% or less - Clayton Comments: New mortgage payment is $4,586.32 while previous combined mortgage payment was $4,525, which is increase of only 1.35%. |

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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;388 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient<br>Funds to<br>Close | No | Borrowers<br>short funds of<br>$902.76 to<br>close. No<br>documentation<br>located in file<br>to support<br>EMD of<br>$6,430 or<br>Option Money<br>of $250.00<br>cleared<br>borrowers<br>accounts prior<br>to close.<br>Either provide<br>proof the<br>EMD and<br>Option Money<br>cleared prior<br>to close or<br>provide proof<br>of additional<br>assets via two<br>months<br>consecutive<br>statements to<br>support<br>required funds<br>to close. If<br>additional<br>assets<br>provided,<br>please update<br>assets on<br>1008/1003/DU<br>AUS. DU<br>AUS must<br>remain<br>Approve/<br>Eligible. Any<br>large deposits<br>required to be<br>explained and<br>documented. | 1/6/2026:<br>Received<br>additional<br>assets.<br>Funds to<br>close<br>requirement<br>now met. | 1/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 12 years in same line of work.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 60 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 732 above program requirement 620. |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation: CU<br>score > 2.5.<br>Clayton to<br>order desk<br>review. | 1/5/2026:<br>Received<br>CDA<br>supporting<br>value | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 12 years in same line of work.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 60 mos. 0x30.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 732 above program requirement 620. |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | MO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI is 32.10%/maximum 50%<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score is 769/minimum 620 |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is PIW<br>approved,<br>Clayton to<br>order BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with a +<br>4.23%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $31,559.76 exceed $0.00 required.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 10 years and 2 months at current job. |

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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;391 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with a +<br>4.23%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 816 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $31,559.76 exceed $0.00 required.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 10 years and 2 months at current job. |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with a<br>PIW;<br>Clayton<br>to order a<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 15 years at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX NC | 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 | Loan<br>approved<br>with a<br>PIW;<br>Clayton<br>to order a<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 15 years at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 737 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 726 is 106 points above minimum program requirement of 620.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have79 months mortgage payment history 0x30. |

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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;396 | XXXXXX | XXXXXX | NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Credit | Credit/<br>Mtg<br>History | Active B | CRDCRMH149 | Missing<br>support<br>docs for<br>VOM/<br>VOR<br>(e.g.<br>cancelled<br>checks) | No | Per Final<br>1003,<br>borrowers<br>live at<br>XXX, rent<br>free for 1.5<br>years. Per<br>Final<br>ALTA,<br>this was<br>sold<br>7/2/2025.<br>There is no<br>evidence<br>of rent<br>back to<br>occupy<br>previous<br>residence.<br>Provide<br>verification<br>of previous<br>housing<br>situation<br>and<br>applicable<br>docs. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 777 median FICO. Minimum required 620. |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $139,289.79 or 27.10 months of PITIA > min required of $0.00<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for more than 10 years.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 779 is 159 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;402 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 35%<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have minimal use of revolving credit<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $213,500.48 (40.45 months PITIA reserves) > min required of $0.00 |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620<br>CFCFS2860: Good credit history - Clayton Comments: Consumer debt: 0x30 x greater than 99 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** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan file<br>is PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with +<br>12.04%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 45% max, borrower DTI 26.98%<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV max rate/term refi 95%; Borrower LTV 62.88% |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | SC | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with +<br>12.04%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 45% max, borrower DTI 26.98%<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV max rate/term refi 95%; Borrower LTV 62.88% |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | XXXXXX | GA | 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 - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 8 years at current residence |
| &nbsp;&nbsp;&nbsp;414 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 15 years in current profession |

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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;415 | XXXXXX | XXXXXX | CO | 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>in file is<br>2.6.<br>Clayton to<br>order Desk<br>Review. | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 95%<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 25.34% is above the minimum program requirements of 45%<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 764 > 124 points of minimum guideline requirements of 620. |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU score ><br>2.5.<br>Clayton to<br>order desk<br>review. | 12/30/2025<br>Received<br>desk<br>review.<br>Value<br>supported<br>with 0%<br>variance. | 12/30/2205<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of consumer credit, credit line usage 7.49%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $83,440.71 exceed required $0.00.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 8 mos. 0x30 and 57 mos. 0x30. |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 779 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $134,185.75 or 37.19 months of PITI. No reserves required. |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $42,191.50 exceed required reserves $0.00.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower has 13 years 4 months in same line of work.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has minimal use of consumer credit. Credit line usage 1.64%. |

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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;423 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>Approved.<br>Clayton to<br>order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 15 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $81,147.55 exceed required reserves of $0.00.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have minimal use of consumer credit, credit line usage 6.86%. |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 15 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $81,147.55 exceed required reserves of $0.00.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers have minimal use of consumer credit, credit line usage 6.86%. |
| &nbsp;&nbsp;&nbsp;424 | XXXXXX | XXXXXX | NH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV of 78.06% is below 80% Guidelines maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $33,348.86 exceed required of $31,546.14.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: 0x30,0x60,0x90 with 23 months reviewed. |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Missing<br>updated<br>valuation.<br>Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with 0%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years & 9 months at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 157 points above guideline minimum 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** | **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;425 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with 0%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years & 9 months at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 157 points above guideline minimum of 620 |
| &nbsp;&nbsp;&nbsp;426 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $474,851.62 (106.77 months PITIA reserves) > min required reserves of $0.00<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 7 years & 4 months at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 186 points above guideline minimum of 620 |
| &nbsp;&nbsp;&nbsp;426 | XXXXXX | XXXXXX | NC | 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 | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $474,851.62 (106.77 months PITIA reserves) > min required reserves of $0.00<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 7 years & 4 months at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 186 points above guideline minimum of 620 |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO | 01/05/2026<br>Received<br>BPO<br>supporting<br>value. | 01/05/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has occupied primary residence for 17 years.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 27 years.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $95,66.79 (18.05 months PITIA reserves) > min required reserves of $0.00<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 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** | **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;428 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO | 01/05/2026<br>Received<br>BPO<br>supporting<br>value. | 01/05/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has occupied primary residence for 17 years.<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for 27 years.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $95,66.79 (18.05 months PITIA reserves) > min required reserves of $0.00<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 811 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession - Clayton Comments: 19.7 years in same line of work/profession<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 credit score > min. guideline requirement of 620 |
| &nbsp;&nbsp;&nbsp;432 | 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 - Clayton Comments: Borrower has 5.58yrs tenure with current employer<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV below maximum allowed 97% LTV per guidelines<br>CFCFS2860: Good credit history - Clayton Comments: Good credit history with no late pay/derog line items. 803 Median Credit Score, Oldest Trade 3/2015 |
| &nbsp;&nbsp;&nbsp;433 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | Final CD<br>at closing<br>is<br>missing<br>from the<br>file | 12.31.2025<br>- Final CD<br>received | 12.31.2025<br>-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 782 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower's have an excellent credit payment history with 99 months reviewed reporting 0 late payments. |

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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;433 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Federal<br>Consumer<br>Protection | Satisfied C A | CMPFDCP2109 | ROR -<br>Unknown<br>latest TIL<br>date;<br>cannot<br>determine<br>whether<br>borrower<br>was<br>provided<br>their full<br>rescission<br>period | No | File<br>missing<br>Final<br>Closing<br>Disclosure.<br>Unable to<br>properly<br>test<br>rescission. | 12.31.2025<br>- Final CD<br>received | 12.31.2025<br>-<br> Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 782 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower's have an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;433 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Missing<br>updated<br>valuation.<br>Loan<br>approved<br>with PIW.<br>Clayton to<br>order BPO | 1/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 782 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower's have an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;433 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>Loan<br>approved<br>with PIW.<br>Clayton to<br>order BPO | 1/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Verified 782 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history - Clayton Comments: Borrower's have an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>CU score<br>> 2.5.<br>Clayton to<br>order desk<br>review. | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 722 > 102 points of minimum guideline requirements of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 44.92% is above the minimum program requirements of 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;439 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 24 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $340,980.21 exceed required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 789 above program minimum 620. |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton to<br>order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 24 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $340,980.21 exceed required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative credit score 789 above program minimum 620. |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA<br>score is ><br>2.5.<br>Clayton to<br>order desk<br>review. | 1/5/2026<br>Received<br>Desk<br>Review.<br>Value<br>supported<br>with 0%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $348,789.00 or 66.97 PITIA<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrowers have 60 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | NC | 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 | Affiliated<br>Business<br>Disclosure<br>missing.<br>Missing<br>FACTS<br>sheet as<br>well for<br>Lender. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrowers show no history of late payments<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers using less than 10% of available credit<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 month payment history required, credit reports 26 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** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 12/30/2025:<br>Received BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrowers show no history of late payments<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers using less than 10% of available credit<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 month payment history required, credit reports 26 months |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | NC | 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 | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 12/30/2025:<br>Received BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS2860: Good credit history - Clayton Comments: Borrowers show no history of late payments<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrowers using less than 10% of available credit<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 month payment history required, credit reports 26 months |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | Ability to<br>Repay/<br>Qualified<br>Mortgage | Satisfied D A | CMPATRQM3220 | TILA -<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 | 1. Missing<br>proof<br>payment<br>with XXX<br>of $721.00<br>for XXX<br>property is<br>full PITI<br>expense as<br>qualified<br>with.2.<br>Missing<br>Verbal<br>VOE as<br>required<br>by<br>guidelines. | 12/30/2025<br>Received VVOE<br>for B1. Verifies<br>active<br>employment<br>with employer<br>used to<br>qualify.1/6/2026:<br>Received mtg<br>and HOA info.<br>B1 is a<br>shareholder, so<br>no taxes or HOI. | 12/30/2025<br>Exception item 2<br>satisfied.<br>Exception item 1<br>remains.1/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 47 mos. 0x30 and 35 mos. 0x30.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low use of consumer debt, credit line usage 4.38%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $9,887.67 exceed required reserves of $0.00. |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing<br>verification<br>of some or<br>all<br>components<br>of non-<br>subject<br>PITI | No | Missing<br>proof<br>payment<br>with XXX<br>of $721.00<br>for XXX<br>property is<br>full PITI<br>expense as<br>qualified<br>with. | 1/6/2026:<br>Received mtg<br>and HOA info.<br>B1 is a<br>shareholder, so<br>no taxes or HOI. | 1/6/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 47 mos. 0x30 and 35 mos. 0x30.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low use of consumer debt, credit line usage 4.38%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $9,887.67 exceed required reserves of $0.00. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition**<br> **Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification<br>of<br>employment<br>missing | No | Missing<br>Verbal<br>VOE as<br>required<br>by<br>guidelines. | 12/30/2025<br>Received<br>VVOE for<br>B1. Verifies<br>active<br>employment<br>with<br>employer<br>used to<br>qualify. | 12/30/2025<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 47 mos. 0x30 and 35 mos. 0x30.<br>CFCFS5269: Minimal use of credit - Clayton Comments: Borrower has low use of consumer debt, credit line usage 4.38%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Reserves of $9,887.67 exceed required reserves of $0.00. |
| &nbsp;&nbsp;&nbsp;446 | 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>updated<br>valuation.<br>LCA<br>score is ><br>2.5.<br>Clayton to<br>order desk<br>review. | 1/5/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Verified reserves of $53,470.90 or 8.92 months PITI reserve exceeds AUS required reserves of $0.00.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 801 exceeds guidelines.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 24.46 is below guideline requirement mx of 45. |
| &nbsp;&nbsp;&nbsp;447 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 807 > 187 points of minimum guideline requirements of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 95%<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 49.191% is above the minimum program requirements of 50% |
| &nbsp;&nbsp;&nbsp;450 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Representative score of 805 exceeds guidelines.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 36.77 is below guideline requirement max of 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;452 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 12/22/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/22/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score is 734/ minimum is 620<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: positive mortgage payment history with no lates<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $686,133.31 (150.08 months PITIA reserves) > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX NC | 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 | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 12/22/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/22/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: credit score is 734/ minimum is 620<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: positive mortgage payment history with no lates<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets: $686,133.31 (150.08 months PITIA reserves) > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;453 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 19 years 10 months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 8 years 2 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $27,597.50 exceed required reserves $0.00. |
| &nbsp;&nbsp;&nbsp;453 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 19 years 10 months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 8 years 2 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $27,597.50 exceed required reserves $0.00. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition**<br> **Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **TRID Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | NJ | 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 - Clayton Comments: Borrower has no lates on the mortgage history |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3966 | TRID -<br>CD: The<br>Will Not<br>Have an<br>Escrow<br>Account in<br>the CD<br>Loan<br>Disclosures<br>section is<br>selected<br>and both or<br>neither of<br>You<br>declined it<br>and/or<br>Your<br>lender does<br>not offer<br>one are<br>selected | No | The Final<br>CD dated<br>XXX<br>under Loan<br>Disclosures<br>Escrow<br>Account<br>section<br>"Will Not<br>Have an<br>Escrow<br>Account"<br>in the CD<br>was<br>selected<br>however<br>the You<br>declined it<br>or Your<br>lender does<br>not offer<br>one was<br>not<br>selected. | 1.6.26 -<br>PCCD<br>received | 1.6.26 -<br>Exception<br>satisfied | Non-Numeric | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 145 points above guideline minimum of 620 |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU score<br>is > 2.5.<br>Clayton to<br>order desk<br>review. | 1/5/2026:<br>Received<br>CDA<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has 6 years at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median FICO 145 points above guideline minimum of 620 |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/20258:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 16 mos. 0x30.<br>CFCFS2854: Significant time in profession - Clayton Comments: B1 has 10 years in same line of work.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 59.00% below program maximum 80.00%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition**<br> **Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | XXXXXX | UT | 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 | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 16 mos. 0x30.<br>CFCFS2854: Significant time in profession - Clayton Comments: B1 has 10 years in same line of work.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: Qualifying LTV 59.00% below program maximum 80.00%. |
| &nbsp;&nbsp;&nbsp;460 | XXXXXX | XXXXXX | NJ | 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 - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS1749: Additional documented income not used in qualifying - Clayton Comments: Borrower has RSU income shown on paystubs not used to qualify |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.28 is below Guidelines 45% maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $15,659.75 exceed required of $11,160.21.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | CO | 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 | Loan is<br>PIW<br>approved.<br>Clayton<br>to order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 29.28 is below Guidelines 45% maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $15,659.75 exceed required of $11,160.21.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 781 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 01/05/2026<br>- Received<br>BPO not<br>supporting<br>value | 01/05/2026:<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS2854: Significant time in profession - Clayton Comments: B1 has 10 years in same line of work. B2 has 6 years in same line of work.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 16 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $18,674.86 exceed required reserves of $0.00.<br>|

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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;467 | 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 | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>Approved,<br>Clayton to<br>order<br>BPO. | 01/05/2026<br>- Received<br>BPO not<br>supporting<br>value | 01/05/2026;<br>Exception<br>satisfied | (No Data) | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has 10 years in same line of work. B2 has 6 years in same line of work.<br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: Mortgage history reports 16 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close reserves $18,674.86 exceed required reserves of $0.00. |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Value | Satisfied C A B | PRVAVALU5249 | Property<br>Value Not<br>Supported | No | 1/5/2026:<br>Exception<br>added after<br>review of<br>trailing<br>docs: BPO<br>value not<br>supported<br>by<br>(-17.31%).<br>Clayton to<br>order next<br>level<br>review. | 1/9/2026:<br>2055<br>received<br>supports<br>appraised<br>value | 1/9/2026:<br>Exception<br>satisfied. | Not<br>Applicable | Not<br>Applicable | CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has 10 years in same line of work. B2 has 6 years in same line of work. <br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 16 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close reserves $18,674.86 exceed required reserves of $0.00. |
| &nbsp;&nbsp;&nbsp;468 | 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 score<br>is 2.7.<br>Clayton to<br>order Desk<br>Review. | 1/5/2026<br>Received<br>Desk<br>Review.<br>Value<br>supported<br>with 0%<br>variance. | 1/5/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score 802/minimum 620 <br>CFCFS2854: Significant time in profession - Clayton Comments: 9 years in current profession<br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80%/Max is 90% |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | XXXXXX | RI | 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 | Missing<br>the<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 791 FICO score. Minimum required 620.<br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Primary borrower has retained stable and consistent employment in the XXX Industry for 38 years. |

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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;473 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Credit | Terms/<br>Guidelines | Active B | CRDTER2548 | Missing<br>AUS or<br>AUS errors<br>present | No | Provide<br>updated LP<br>reflecting<br>accurate<br>property<br>type as an<br>Attached<br>PUD, as<br>per<br>appraisal<br>report<br>provided. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 738 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves of $50,474.93 exceed LP required of $0.00.<br>CFCFS2860: Good credit history - Clayton Comments: 0x30,0x60,0x90 across all tradelines with oldest tradeline on 09/15/2016. |
| &nbsp;&nbsp;&nbsp;473 | 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 | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA score<br>is not<br>provided.<br>Clayton to<br>order desk<br>review. | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 738 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $50,474.93 exceed LP required of $0.00.<br>CFCFS2860: Good credit history <br>- Clayton Comments: 0x30,0x60,0x90 across all tradelines with oldest tradeline on 09/15/2016. |
| &nbsp;&nbsp;&nbsp;474 | XXXXXX | XXXXXX NC | 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 $273,094.83 or 87.88 PITIA<br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have 48 months mortgage payment history 0X30. |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Credit | Income/<br>Employment | Satisfied C A | CRDINC2488 | Verbal<br>verification<br>of<br>employment<br>missing | No | Missing<br>VVOE for<br>both<br>borrower's. | 12/30/2025:<br>Received<br>VVOEs for<br>both<br>borrowers. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 769 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |

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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;478 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Missing<br>updated<br>valuation.<br>Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 769 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 769 FICO score. Minimum required 620.<br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: The total DTI is 34% <br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: Co-borrower has 13 years at current job |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job - Clayton Comments: B1 has 36 years 5 months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close reserves $59,617.39 exceed required reserves of $0.00.<br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Borrower has minimal use of consumer credit, credit line usage 0.99%. |

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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;482 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.83 % is below Guidelines 45% maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $2,021.20 exceed $0.00 required. |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | CO | 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 | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/2/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/2/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 35.83 % is below Guidelines 45% maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Cash reserves of $2,021.20 exceed $0.00 required. |
| &nbsp;&nbsp;&nbsp;486 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 71 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $213,967.53 exceed required reserves of $0.00.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 6 years 6 months at current residence. |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 39.82% is above the minimum program requirements of 45%<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: 79.91% LTV for Subject Property is below guideline max LTV of 95%<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 717 > 97 points of minimum guideline requirements 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** | **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;487 | 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 | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 39.82% is above the minimum program requirements of 45% <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: 79.91% LTV for Subject Property is below guideline max LTV of 95% <br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Median Fico Score 717 > 97 points of minimum guideline requirements of 620. |
| &nbsp;&nbsp;&nbsp;489 | XXXXXX | XXXXXX | PA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has been with current employer for more than 6 years. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 794 is 174 points above minimum program requirement of 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 76.95%; guidelines allow 95%. |
| &nbsp;&nbsp;&nbsp;490 | 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 $59,499.07 or 13.93 PITIA <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 35.83% is below the guideline minimum of 45% |
| &nbsp;&nbsp;&nbsp;491 | 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: Credit score 787 exceeds min of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 37.78 is below max guides of 50%.<br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrowers have 35 years at current residence. |

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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;492 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified credit score 768. Minimum 620.<br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV of 79.76% is less than the guideline maximum of 95%. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post-close assets are $63,420.75 or 17.49 months. No reserves are required. |
| &nbsp;&nbsp;&nbsp;495 | 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>Updated<br>Valuation:<br>LCA score<br>is >2.5.<br>Clayton to<br>order<br>deskreview. | 1/8/2025:<br>CDA<br>provided<br>supports<br>appraised<br>value | 1/8/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets $2,687.47 or 0.52 PITIA. <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower has 48 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX NC | 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 $576,019.37 (231.32 months PITA reserves). Required reserves: $112.00 <br>CFCFS1735: Co-Borrower has significant time at current job <br>- Clayton Comments: The co-borrower has been working for the same employer for 11 years. |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX HI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 760 FICO score. Minimum required 620. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $77,609.12 or 15.09 months of PITI < min required reserves of $1,133.00 |

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| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition**<br> **Sub<br>Category** | **Condition<br>Status** | **Condition Code** | **Condition<br>Description** | **Condition<br>Material<br>Indicator** | **Initial Comments** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: The total DTI is 35% <br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years <br>- Clayton Comments: Borrower has no late payments on the mortgage history <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post closing assets $336,026.01 (93.38 months PITIA reserves) > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets $101,750.03 or 22.94 PITIA <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 29.53% is below guidelines minimum of 45%. |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 775 > is above guideline minimum credit score 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV: 80% is 17 points below the program guideline maximum 97%. |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 775 > is above guideline minimum credit score 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV: 80% is 17 points below the program guideline maximum 97%. |

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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;508 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median Fico Score 756 > 136 points of minimum guideline requirements of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 37.05% is above the minimum program requirements of 45% <br>CFCFS2854: Significant time in profession <br>- Clayton Comments: Borrower has been in the same line of work for the past 12 years and 0 months. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has lived at current home for the past 7 years and 5 months. |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 806 > is above guideline minimum credit score 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV: 80% is 15 points below the program guideline maximum 95%. |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | XXXXXX | IL | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 806 > is above guideline minimum credit score 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV: 80% is 15 points below the program guideline maximum 95%. |
| &nbsp;&nbsp;&nbsp;512 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Active C | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | Yes | Loan<br>approved<br>with a<br>PIW.<br>Clayton to<br>order<br>BPO. | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close assets $$64,530.79 or 23.84 PITIA > min required reserves of $0.00 <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have 48 months mortgage 0X30. |

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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;512 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Active D | PRVAAPPR3116 | Missing<br>updated<br>valuation | Yes | Loan<br>approved<br>with a<br>PIW.<br>Clayton<br>to order<br>BPO. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close assets $$64,530.79 or 23.84 PITIA > min required reserves of $0.00 <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrowers have 48 months mortgage 0X30. |
| &nbsp;&nbsp;&nbsp;516 | 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 665 FICO score. Minimum required 620. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower (1) has an excellent credit payment history with 92 months reviewed reporting 0 late payments. |
| &nbsp;&nbsp;&nbsp;517 | 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 44 months mortgage payment history of 0X30 <br>CFCFS1749: Additional documented income not used in qualifying <br>- Clayton Comments: Borrower 1 has XXX income in amount of $2598.88 not used in qualifying income. |
| &nbsp;&nbsp;&nbsp;521 | XXXXXX | XXXXXX | IA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 736 FICO score. Minimum required 620 <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $99,897.41 or 15.02 months of PITI; 0 required reserves. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 42.65% DTI; 45% maximum DTI |

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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;522 | 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>updated<br>valuation.<br>CU score<br>is >2.5.<br>Clayton<br>to order<br>desk<br>review. | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI of 40.14% is below Guidelines 45% maximum. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Cash reserves of $17,876.99 exceed $0.00 required. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 783 mid score > min required of 620 |
| &nbsp;&nbsp;&nbsp;523 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score 727 is 183 points above minimum program requirement of 620. <br>CFCFS1742: Consumer credit history exceeds guidelines <br>- Clayton Comments: Borrower has consumer credit history of 0x30 in the last 34 months.<br>CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has significant time in profession, 16.58 years |
| &nbsp;&nbsp;&nbsp;524 | 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: Post close asset of $261,281.92 or 50.33 PITIA. Reserves not required. <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 786 is 166 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;526 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 123 points above guideline minimum of 620 <br>CFCFS1740: Mortgage payment history exceeds guidelines <br>- Clayton Comments: Borrower mortgager payment 0x30x99 |

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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;527 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with +<br>3.26%<br>variance. | 1/5/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 809 > is above guideline minimum credit score 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $54,243.07 or 18.85 months of PITIA. AUS Reserves Required $0.00. |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with +<br>3.26%<br>variance. | 1/5/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 809 > is above guideline minimum credit score 620. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $54,243.07 or 18.85 months of PITIA. AUS Reserves Required $0.00. |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID5107 | TRID -<br>Seller CD<br>not in file;<br>need in<br>order to<br>complete<br>fee entry | No | Missing<br>Seller<br>CD; need<br>in order<br>to<br>complete<br>fee entry | 1.6.26 -<br>Seller CD<br>provided | 1.6.26 -<br>Exception<br>satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 8 years & 3 months at current job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 163 points above guideline minimum of 620 |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | MA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 8 years & 3 months at current job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 163 points above guideline minimum 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** | **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;528 | XXXXXX | XXXXXX | MA | 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 | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 8 years & 3 months at current job <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 163 points above guideline minimum of 620 |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | XXXXXX | NV | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 FICO exceeds minimum 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0 x 30 in 99 months |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | XXXXXX | NV | 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 | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 12/30/2025:<br>Received<br>BPO<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: 796 FICO exceeds minimum 620 <br>CFCFS2860: Good credit history <br>- Clayton Comments: 0 x 30 in 99 months |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Compliance | Documentation | Satisfied D A | CMPDOC195 | Missing<br>Note | No | Provide<br>copy of<br>executed<br>Note<br>including<br>addendums. | 12.31.2025<br>- Note<br>provided | 12.31.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 800 FICO score. Minimum required 620. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $225,453.77 or 76.82 months of PITI. No reserves required. |

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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;535 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected<br>CD<br>should<br>have been<br>provided;<br>Change of<br>Product<br>or<br>Product<br>Feature<br>not<br>disclosed<br>at least 3<br>business<br>days prior<br>to closing | No | Missing<br>Note. | 12.31.2025<br>- Note<br>provided | 12.31.2025-<br>Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 800 FICO score. Minimum required 620. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $225,453.77 or 76.82 months of PITI. No reserves required. |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Appraisal<br>waiver is<br>approved<br>to<br>support<br>property<br>value.<br>Clayton<br>to order<br>BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with a<br>3.23%<br>variance.<br>Variance<br>within<br>tolerance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Verified 800 FICO score. Minimum required 620. <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments. <br>CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $225,453.77 or 76.82 months of PITI. No reserves required. |
| &nbsp;&nbsp;&nbsp;539 | XXXXXX | XXXXXX | TN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: The total DTI is 23% <br>CFCFS1734: Borrower has significant time at current job <br>- Clayton Comments: Borrower has 9 years at current job |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | XXXXXX | GA | QM:<br>Safe<br>Harbor | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 154 points above guideline minimum of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: 28.86% DTI < maximum permitted of 45% <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30 x greater than 99 months (via consecutive payment histories) |

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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;544 | 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 C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 01/05/2026<br>Received<br>BPO<br>supporting<br>value. | 01/05/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $972,554.93 or 330.38 months of PITIA > min required reserves of $0 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 791 is 171 points above minimum program requirement of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 27.22% is below the guideline maximum of 45%. |
| &nbsp;&nbsp;&nbsp;544 | 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 | Missing<br>updated<br>valuation.<br>Loan<br>approved<br>with a<br>PIW.<br>Clayton<br>to order<br>BPO | 01/05/2026<br>Received<br>BPO<br>supporting<br>value. | 01/05/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post Close Assets are $972,554.93 or 330.38 months of PITIA > min required reserves of $0 <br>CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 791 is 171 points above minimum program requirement of 620. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 27.22% is below the guideline maximum of 45%. |
| &nbsp;&nbsp;&nbsp;546 | 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: Post Close Assets are $14,683.91 or 4.03 months of PITI if requiredRequired Reserves are $0.00 <br>CFCFS2860: Good credit history <br>- Clayton Comments: Borrower has no history of late payments <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Borrower using less than 10% of available credit |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX | TX | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>updated<br>valuation.<br>LCA<br>score is<br>>2.5.<br>Clayton<br>to order<br>desk<br>review. | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0x30,0x60,0x90 with 62 months reviewed. <br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has lived for 8 years and 2 months at current residence. |

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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;548 | XXXXXX | XXXXXX NJ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order BPO | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with 0%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 179 points above guideline minimum of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrower DTI is 6 points below guideline maximum |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX NJ | 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 | Loan is<br>approved<br>PIW.<br>Clayton to<br>order BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with 0%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Median FICO 179 points above guideline minimum of 620 <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: Borrower DTI is 6 points below guideline maximum |
| &nbsp;&nbsp;&nbsp;550 | XXXXXX | XXXXXX GA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession <br>- Clayton Comments: B1 has 20 years in same profession <br>CFCFS1739: Positive mortgage payment history <br>- Clayton Comments: 0 x 30 in 24 months |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines <br>- Clayton Comments: Post close reserves $7,999,881.56 exceed required reserves $0.00.<br>CFCFS1736: Significant time at current residence <br>- Clayton Comments: Borrower has 10 years at current residence. <br>CFCFS5269: Minimal use of credit <br>- Clayton Comments: Borrower has low use of consumer credit, credit line usage 4.01%. |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C A | CMPTRID3618 | TRID -<br>Corrected<br>CD<br>should<br>have been<br>provided;<br>Change of<br>Product<br>or<br>Product<br>Feature<br>not<br>disclosed<br>at least 3<br>business<br>days prior<br>to closing | No | Missing<br>initial CD . | 12.31.2025<br>- ICD<br>received. | 12.31.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines <br>- Clayton Comments: Credit score of 810 is 190 points above minimum program requirement of 620. <br>CFCFS1737: LTV below guideline requirements <br>- Clayton Comments: LTV is 80%; guidelines allow 95%. <br>CFCFS1744: DTI below guideline requirement <br>- Clayton Comments: DTI 27.63% is below the guideline maximum of 50%. |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Principal<br>Balance** | **State** | **Initial<br>Lender<br>ATR/<br>QM<br>Status** | **Loan<br>Level<br>ATR/<br>QM<br>Status** | **Condition<br>Category** | **Condition**<br> **Sub<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;554 | XXXXXX | XXXXXX | NC | 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 C A | CMPTRID3626 | TRID - CD:<br>Loan<br>consummated<br>before end of<br>waiting<br>period | No | Missing<br>initial CD | 12.31.2025<br>- ICD<br>received. | 12.31.2025<br>-<br> Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 810 is 190 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.63% is below the guideline maximum of 50%. |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX | NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID4579 | TRID - CD:<br>Missing<br>Initial CD | No | Missing<br>initial CD | 12.31.2025<br>- ICD<br>received. | 12.31.2025<br>-Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 810 is 190 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 27.63% is below the guideline maximum of 50%. |
| &nbsp;&nbsp;&nbsp;558 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan<br>Approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with +<br>0.17%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $76,666.44 23.08 months of P&I (or PITI if required)Required Reserves are $0.00<br>CFCFS2860: Good credit history - Clayton Comments: Borrowers have no history of late payments<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 month payment history required, credit reports 32 months |
| &nbsp;&nbsp;&nbsp;558 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>Desk<br>Review. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with +<br>0.17%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $76,666.44 23.08 months of P&I (or PITI if required)Required Reserves are $0.00<br>CFCFS2860: Good credit history - Clayton Comments: Borrowers have no history of late payments<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: 12 month payment history required, credit reports 32 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** | **Client/Seller Response<br>Comments** | **Conclusion<br>Comments** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | CO | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 01/05/2026<br>Received<br>BPO<br>supporting<br>value. | 01/05/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for more than 6 years.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.87%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 756 is 136 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | CO | 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 | Loan is<br>PIW<br>approved,<br>Clayton to<br>order<br>BPO. | 01/05/2026<br>Received<br>BPO<br>supporting<br>value. | 01/05/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for more than 6 years.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 74.87%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 756 is 136 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;560 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Missing<br>Affiliate<br>Business<br>Disclosure | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CB has been with current employer for more than 3 years.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 758 is 138 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.44%; guidelines allow 95%. |
| &nbsp;&nbsp;&nbsp;560 | XXXXXX | XXXXXX | CA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B | Compliance | Right of<br>Rescission | Active B | CMPROR1909 | Incorrect<br>ROR<br>Form<br>Used - H8<br>Form<br>Used in<br>Refinance<br>With<br>Original<br>Creditor | No | Per title,<br>Lender is<br>the<br>original<br>creditor.<br>H9 ROR<br>required | (No Data) | (No Data) (No<br>Data) | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CB has been with current employer for more than 3 years.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 758 is 138 points above minimum program requirement of 620.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 73.44%; guidelines allow 95%. |

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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;566 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) B A | Compliance | RESPA | Active B | CMPRESPA863 | RESPA:<br>Required<br>Affiliate<br>Business<br>Disclosure<br>missing | No | Provide<br>Required<br>Affiliate<br>Business<br>Disclosure. | (No Data) | (No Data) | (No Data) | Not<br>Applicable | CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been with current employer for more than 23 years.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 31.83% is below the guideline maximum of 45%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 758 is 138 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;568 | 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 | Missing<br>Updated<br>Valuation:<br>No LCA<br>score<br>established.<br>Clayton to<br>order desk<br>review. | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS5269: Minimal use of credit - Clayton Comments: Minimal use of consumer credit, credit line usage 8.49%.<br>CFCFS1736: Significant time at current residence - Clayton Comments: Borrowers have 49 years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $905,694.93 exceed required reserves of $0.00. |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | XXXXXX | VA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied D A | CMPTRID5107 | TRID -<br>Seller CD<br>not in file;<br>need in<br>order to<br>complete<br>fee entry | No | please<br>provide<br>seller CD | 12.31.2025<br>- Seller CD<br>provided | 12.31.2025<br>- Exception<br>satisfied | Not<br>Applicable | Not<br>Applicable | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CB has been self-employed for more than 31 years.<br>CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV is 80%; guidelines allow 95%.<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 729 is 109 points above minimum program requirement of 620. |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | MN | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 766 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post closing assets $77,075.69 (22.09 months reserves) > min required reserves of $0.00<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 22.61 is less than the max of 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;572 | XXXXXX | XXXXXX | WA | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement - Clayton Comments: The total DTI is 24%<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Borrowers have excess reserves of $19,073.08 |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Compliance | Compliance<br>Manual | Satisfied D A | CMPMAN2956 | Missing<br>disclosure | No | Acknowledgement<br>of Receipt of<br>Closing<br>Disclosure in file<br>is signed by the<br>borrowers on<br>XXX. Missing the<br>corresponding<br>CD. | 1.8.26 -<br>Missing<br>disclosures<br>received | 1.8.26 -<br> Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.90 is below Guidelines 45% maximum.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has 13 years in current profession. |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is PIW<br>approved, Clayton<br>to order BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with a<br>1.98%<br>variance.<br>Variance<br>within<br>tolerance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.90 is below Guidelines 45% maximum.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has 13 years in current profession. |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan is PIW<br>approved, Clayton<br>to order BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with a<br>1.98%<br>variance.<br>Variance<br>within<br>tolerance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI of 27.90 is below Guidelines 45% maximum.<br>CFCFS2854: Significant time in profession - Clayton Comments: Borrower 1 has 13 years in current profession. |

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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<br>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;574 | XXXXXX | XXXXXX DC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: CB has been with current employer more than 20 years.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 38.14% is below the guideline maximum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $122,441.71 or 24.58 months of PITIA > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;578 | 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 - Clayton Comments: Borrower has 31 years 11 months at current job.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Mortgage history reports 45 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post close reserves $73,056.93 exceed required reserves $0.00. |
| &nbsp;&nbsp;&nbsp;579 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C 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 | $102.88 zero<br>tolerance due<br>to increase in<br>discount<br>points from<br>$643 to<br>$745.88<br>without a<br>valid CoC<br>(COC in file<br>states 24 Hour<br>advanced<br>Preview) too<br>vague.<br>Requires<br>CoC, or<br>corrected<br>PCCD, copy<br>of refund<br>check, LOX<br>and<br>verification of<br>shipping. | 1.8.26 -<br>COC and<br>CD<br>provided | 1.8.26 -<br> Exception<br>satisfied (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $38,040.08 no reserves required |
| &nbsp;&nbsp;&nbsp;579 | XXXXXX | XXXXXX MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B C | Credit | Legal<br>Documents | Satisfied D A | CRDLGL225 | Missing Rider | No | Missing<br>executed<br>Condominium<br>Rider. | 12/30/2025:<br>Received<br>Condo<br>Rider. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $38,040.08 no reserves required |

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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;579 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/<br>AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $38,040.08 no reserves required |
| &nbsp;&nbsp;&nbsp;579 | XXXXXX | XXXXXX | MI | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D B A C | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Loan<br>approved<br>with<br>PIW.<br>Clayton<br>to order<br>BPO | 1/5/2026:<br>Received<br>BPO<br>supporting<br>value. | 1/5/2026:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 778 mid score > min required of 620<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $38,040.08 no reserves required |
| &nbsp;&nbsp;&nbsp;582 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 774 is 154 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 45.55% is below the guideline maximum of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines - Clayton Comments: Borrower has 38 months mortgage payment history 0x30. |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | XXXXXX | UT | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) | Property<br>Valuations | Appraisal | Satisfied A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | LCA no<br>score.<br>Clayton<br>to order<br>desk<br>review. | 12.12.2025<br>Desk<br>Review<br>received<br>value<br>supported. | 12.12.2025<br>Exception<br>Satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1737: LTV below guideline requirements - Clayton Comments: LTV max 80%; LTV 72.20%<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI <50%; DTI 41.64% |

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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 Error<br>Type** | **Cure<br>Method** | **Compensating<br>Factors** |
| &nbsp;&nbsp;&nbsp;585 | XXXXXX | XXXXXX | OH | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) C B A | Compliance | TILA/<br>RESPA<br>Integrated<br>Disclosure | Satisfied C B | CMPTRID3966 | TRID -<br>CD: The<br>Will Not<br>Have an<br>Escrow<br>Account in<br>the CD<br>Loan<br>Disclosures<br>section is<br>selected<br>and both or<br>neither of<br>You<br>declined it<br>and/or<br>Your<br>lender does<br>not offer<br>one are<br>selected | No | Final CD<br>did not<br>state the<br>reason<br>for no<br>escrow<br>account.<br>Neither<br>"you<br>declined<br>it" nor<br>"your<br>Lender<br>does not<br>offer<br>one" is<br>marked<br>on the<br>CD. | 1.8.26 -<br>PCCD<br>received | 1.8.26 -<br>Exception<br>satisfied | Non-Numeric | Not<br>Applicable | CFCFS1736: Significant time at current residence - Clayton Comments: Borrower has 20 years at current residence<br>CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments: B2 has 10 years at current job<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: : Median FICO 90 points above guideline minimum of 620<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: Borrower DTI is 4 points below guideline maximum |
| &nbsp;&nbsp;&nbsp;586 | 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 C B A | PRVAAPPR5454 | Loan File<br>contains<br>Property<br>Inspection<br>Waiver<br>(PIW)/AW | No | Loan is<br>PIW<br>approved,<br>Clayton<br>to order<br>BPO. | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with a +<br>6.01%<br>variance. | 1/5/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO: Credit score of 796 is 176 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: LTV: LTV is 70%; guidelines allow 80%.<br>CFCFS5269: Minimal use of credit - Clayton Comments: DTI: DTI 26.58% is below the guideline maximum of 50%. |
| &nbsp;&nbsp;&nbsp;586 | 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 | Missing<br>updated<br>valuation.<br>Loan<br>approved<br>PIW.<br>Clayton<br>to order<br>BPO | 1/5/2026<br>Received<br>BPO.<br>Value<br>supported<br>with a +<br>6.01%<br>variance. | 1/5/2026<br>Exception<br>satisfied. | (No Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: FICO: Credit score of 796 is 176 points above minimum program requirement of 620.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: LTV: LTV is 70%; guidelines allow 80%.<br>CFCFS5269: Minimal use of credit - Clayton Comments: DTI: DTI 26.58% is below the guideline maximum of 50%. |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | XXXXXX | AZ | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years - Clayton Comments: Borrowers have no late payments on the mortgage history<br>CFCFS1741: Credit score exceeds guidelines - Clayton Comments: 734 mid score > min required of 620 |

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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;590 | XXXXXX | XXXXXX NC | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) A |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit - Clayton Comments: Borrower using less than 10% of available credit<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $$134,987.17 = 42.72 Months PITIA Required Reserves are $0.00<br>CFCFS2860: Good credit history - Clayton Comments: Borrower has no history of late payments |
| &nbsp;&nbsp;&nbsp;593 | 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>Updated<br>Valuation:<br>LCA<br>score is ><br>2.5.<br>Clayton to<br>order desk<br>review | 12/30/2025:<br>Received<br>CDA<br>supporting<br>value. | 12/30/2025:<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1741: Credit score exceeds guidelines - Clayton Comments: Credit score of 728 is 103 points above minimum program requirement of 620.<br>CFCFS1739: Positive mortgage payment history - Clayton Comments: Borrowers have12 months mortgage payment history 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Assets: Post close assets are $17,886.68 > min required reserves of $0.00 |
| &nbsp;&nbsp;&nbsp;595 | XXXXXX | XXXXXX ID | QM:<br>Safe<br>Harbor<br>(APOR) | QM:<br>Safe<br>Harbor<br>(APOR) D | Property<br>Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing<br>updated<br>valuation | No | Missing<br>Updated<br>Valuation:<br>CU score<br>is > 2.5.<br>Clayton to<br>order desk<br>review. | 1/5/2026<br>Received<br>Desk<br>Review.<br>Value<br>supported<br>with 0%<br>variance. | 1/5/2026<br>Exception<br>satisfied. (No<br>Data) | Not<br>Applicable | CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments: Post Close Assets are $349,986.86 or 51.76 months of PITI > min required reserves of $0.00<br>CFCFS1734: Borrower has significant time at current job - Clayton Comments: Borrower has been self-employed for more than 7 years.<br>CFCFS1744: DTI below guideline requirement - Clayton Comments: DTI 35.67% is below the guideline maximum of 50%. |

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| | |
|:---|:---|
| **Client Name:** | **PennyMac** |
| **Client Project Name:** | **PNMAC PMTLT 2026-CNF1_J16453** |

---

**Conditions Report 2.0** 

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| | |
|:---|:---|
| ***Loans in Report:*** | 272 |
| ***Loans with Conditions:*** | *181* |

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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 D B A | No |
| &nbsp;&nbsp;&nbsp;602 | XXXXXX | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | XXXXXX D C A B | Not Applicable |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;34 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | XXXXXX C A | No |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;40 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | XXXXXX | XXXXXX D B A | No |

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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;75 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;83 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | XXXXXX | XXXXXX D C A | No |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;604 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;139 | XXXXXX | XXXXXX | XXXXXX D C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | XXXXXX D A B | No |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |

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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;163 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;181 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;194 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | XXXXXX | XXXXXX D B A C | No |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | XXXXXX | XXXXXX D A B | No |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;600 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;601 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;222 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | XXXXXX | XXXXXX D A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | XXXXXX | XXXXXX D B A | No |

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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;232 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;598 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;237 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;269 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | XXXXXX | XXXXXX C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | XXXXXX | XXXXXX C B A | No |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;285 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;286 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;293 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;310 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&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;317 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;320 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;327 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;328 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;329 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;338 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;346 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;349 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;355 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;369 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;383 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | XXXXXX D A C | No |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&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;396 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;402 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;414 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;415 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;424 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;426 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;433 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;447 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;450 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;453 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;460 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&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;467 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;473 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;474 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | XXXXXX D B C A | Not Applicable |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;486 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;489 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;492 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | XXXXXX B A | No |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;512 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;521 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;522 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;523 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;526 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |

---

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&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;539 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;550 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;558 | XXXXXX | XXXXXX | XXXXXX D B A | No |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;560 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | XXXXXX B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | XXXXXX | XXXXXX D A | Not Applicable |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;578 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;579 | XXXXXX | XXXXXX | XXXXXX D B A C | Not Applicable |
| &nbsp;&nbsp;&nbsp;582 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;585 | XXXXXX | XXXXXX | XXXXXX C B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;586 | XXXXXX | XXXXXX | XXXXXX D B A | Not Applicable |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | XXXXXX | XXXXXX A | Not Applicable |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | XXXXXX A | No |
| &nbsp;&nbsp;&nbsp;593 | XXXXXX | XXXXXX | XXXXXX D A | No |
| &nbsp;&nbsp;&nbsp;595 | XXXXXX | XXXXXX | XXXXXX D 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-CNF1_J16453** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *272* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &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 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;601 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2681.51 | XXXXXX | 5.5225 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 12507.25 | XXXXXX | 6.9004 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;602 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 15928.52 | XXXXXX | 6.9357 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8588 | XXXXXX | 7.2831 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;4 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7748 | XXXXXX | 7.7204 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;7 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 21276 | XXXXXX | 7.6807 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9574.4 | XXXXXX | 6.0584 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;14 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 14074.56 | XXXXXX | 6.7596 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;15 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6648 | XXXXXX | 6.2461 | Employed | 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 | 16530.75 | XXXXXX | 7.6647 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.6561 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;21 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13048 | XXXXXX | 6.5794 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8074 | XXXXXX | 6.6588 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11188 | XXXXXX | 6.162 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6957.65 | XXXXXX | 6.273 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;28 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 10301.75 | XXXXXX | 6.2476 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11006.75 | XXXXXX | 6.5248 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8823 | XXXXXX | 6.7559 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;34 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 16844 | XXXXXX | 6.2373 | Employed | Employed | Permanent Resident<br> Alien | Permanent Resident<br> Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4919.6 | XXXXXX | 6.1341 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8888 | XXXXXX | 7.1961 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;40 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5874.08 | XXXXXX | 6.6042 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11588 | XXXXXX | 6.1787 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8963 | XXXXXX | 6.1373 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 14624 | XXXXXX | 6.2374 | Employed | 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 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;49 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 405.7 | XXXXXX | 6.1365 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2032.84 | XXXXXX | 6.1758 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;55 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13069.25 | XXXXXX | 6.6696 | Employed | Employed | Non-Permanent<br> Resident Alien | Non-Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7029 | XXXXXX | 6.7638 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4447.26 | XXXXXX | 6.1631 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11284.8 | XXXXXX | 6.5485 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10274.06 | XXXXXX | 6.185 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11488 | XXXXXX | 6.3589 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1499.64 | XXXXXX | 6.0874 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3686.45 | XXXXXX | 6.1155 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.0349 | 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 | 1014 | XXXXXX | 6.4195 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1400 | XXXXXX | 6.1676 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2675 | XXXXXX | 6.6099 | Employed | (No Data) | Non-Permanent<br> Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.5359 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1970 | XXXXXX | 6.1762 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7386.74 | XXXXXX | 6.2522 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6686 | XXXXXX | 6.4265 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1204 | XXXXXX | 6.4348 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2095 | XXXXXX | 6.9673 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1909 | XXXXXX | 6.1545 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 6.1248 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1690 | XXXXXX | 6.1705 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 6.6885 | Employed | (No Data) | Non-Permanent<br> Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;604 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5569.99 | XXXXXX | 6.2931 | 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 | 1495 | XXXXXX | 6.8061 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;110 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7942.44 | XXXXXX | 7.232 | Employed | (No Data) | Permanent Resident<br> Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3134.3 | XXXXXX | 7.3695 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2059 | XXXXXX | 6.1636 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 5.8002 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2554 | XXXXXX | 6.9371 | 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 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;127 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 6.6713 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3622.4 | XXXXXX | 6.136 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;134 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7081.82 | XXXXXX | 6.3063 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;137 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3442.68 | XXXXXX | 6.7134 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;139 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2469 | XXXXXX | 6.5609 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6244.68 | XXXXXX | 5.8726 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2059 | XXXXXX | 6.1613 | Employed | Employed | Permanent Resident<br> Alien | Permanent Resident<br> Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3256.66 | XXXXXX | 6.4246 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;147 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5121.4 | XXXXXX | 6.1817 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1533 | Employed | Employed | U.S. Citizen | Permanent Resident<br> Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5412.85 | XXXXXX | 7.2606 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 5.8544 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3108.07 | XXXXXX | 5.9478 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;163 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2422.26 | XXXXXX | 6.078 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1207 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | ATR/QM: Status Pending | No | XXXXXX | XXXXXX | Yes | No | 2324.66 | XXXXXX | 6.022 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;167 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.6012 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;168 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5835.92 | XXXXXX | 6.0011 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2789 | XXXXXX | 5.9269 | Employed | Employed | U.S. Citizen | Permanent Resident<br> Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;171 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2283.4 | XXXXXX | 5.5344 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 324 | XXXXXX | 6.1603 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.9814 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2644 | XXXXXX | 6.1474 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1714 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;181 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5813 | XXXXXX | 6.4716 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2619 | XXXXXX | 6.2032 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 6.1634 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;194 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2059 | XXXXXX | 6.1774 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;196 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7279.6 | XXXXXX | 6.5543 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.971 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

---

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;199 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1571.7 | XXXXXX | 6.0911 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.0693 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;202 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1985 | XXXXXX | 6.3879 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2644 | XXXXXX | 5.6639 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1569 | XXXXXX | 5.7544 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1500 | XXXXXX | 6.2373 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6485.04 | XXXXXX | 5.7394 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;213 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5870.29 | XXXXXX | 5.9054 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1574 | XXXXXX | 5.8262 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.2418 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;600 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1508.12 | XXXXXX | 6.0235 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;222 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1715 | XXXXXX | 7.7102 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1165.86 | XXXXXX | 7.924 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1995 | XXXXXX | 7.4717 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1440 | XXXXXX | 7.3058 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;229 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 7.3289 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;230 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6608 | XXXXXX | 7.2817 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2407.5 | XXXXXX | 7.2528 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4922.2 | XXXXXX | 5.6762 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;598 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1095 | XXXXXX | 6.6559 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7075 | XXXXXX | 7.007 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5389.85 | XXXXXX | 6.0623 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;237 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1480 | XXXXXX | 5.101 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1490 | XXXXXX | 5.1868 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1715 | XXXXXX | 7.3323 | Employed | (No Data) | Non-Permanent<br> Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;247 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1690 | XXXXXX | 7.286 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1735 | XXXXXX | 7.2971 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1690 | XXXXXX | 7.2068 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1935 | XXXXXX | 7.3622 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3790 | XXXXXX | 6.7442 | Employed | 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 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;269 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3176.35 | XXXXXX | 4.9579 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3190 | XXXXXX | 4.9287 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;271 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5390 | XXXXXX | 7.1562 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;273 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 4.7581 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;276 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1790 | XXXXXX | 6.8356 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13770.07 | XXXXXX | 6.9512 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;280 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9473.38 | XXXXXX | 6.2422 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.8656 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;284 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11300 | XXXXXX | 6.6616 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;285 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 950 | XXXXXX | 6.1568 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;286 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1880 | XXXXXX | 5.064 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1745 | XXXXXX | 5.9087 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 836.25 | XXXXXX | 5.5016 | Employed | (No Data) | Permanent Resident<br> Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;291 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1490 | XXXXXX | 5.6729 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;293 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1810 | XXXXXX | 5.9091 | Employed | (No Data) | Non-Permanent<br> Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1703.95 | XXXXXX | 6.7009 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;300 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1985 | XXXXXX | 6.0964 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2624.75 | XXXXXX | 4.9732 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5934 | XXXXXX | 6.2709 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;305 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 645 | XXXXXX | 5.7691 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 4.8411 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;310 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2060.84 | XXXXXX | 5.9192 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2696.85 | XXXXXX | 6.7039 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;320 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2395 | XXXXXX | 6.9289 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 16330.09 | XXXXXX | 6.4608 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4199 | XXXXXX | 6.5109 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;326 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6891 | XXXXXX | 5.9102 | Employed | (No Data) | Permanent Resident<br> Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;327 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 15995 | XXXXXX | 6.9141 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;328 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1350 | XXXXXX | 7.5356 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;329 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2395 | XXXXXX | 6.4749 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 995 | XXXXXX | 4.9249 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5835.6 | XXXXXX | 4.7934 | Employed | (No Data) | Non-Permanent<br> Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4816 | XXXXXX | 4.8006 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;338 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1550 | XXXXXX | 4.7994 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;343 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9457.95 | XXXXXX | 6.746 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5048.05 | XXXXXX | 5.3222 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;346 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1770 | XXXXXX | 4.9766 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;349 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8995 | XXXXXX | 6.6178 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1515 | XXXXXX | 6.2749 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2821.6 | XXXXXX | 5.0508 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3691.8 | XXXXXX | 4.7951 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;355 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.1162 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | 6.5327 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;369 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9590 | XXXXXX | 6.2573 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.1484 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.7643 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 14923.98 | XXXXXX | 6.2607 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 7839.2 |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 35 | XXXXXX | 6.1605 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1195 | XXXXXX | 6.6706 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6332.4 | XXXXXX | 6.613 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 6.1712 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;383 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8855.5 | XXXXXX | 7.6557 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.4705 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2949.3 | XXXXXX | 6.1916 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1790 | XXXXXX | 6.1607 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1394 | XXXXXX | 6.6708 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;394 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1575 | XXXXXX | 6.908 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11688.6 | XXXXXX | 6.3364 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

---

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;400 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5799.82 | XXXXXX | 5.8831 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;402 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6805 | XXXXXX | 6.3064 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;404 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1399 | XXXXXX | 6.2567 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1650 | XXXXXX | 5.691 | Employed | (No Data) | Permanent Resident<br> Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1915 | XXXXXX | 6.5525 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;414 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6383 | XXXXXX | 7.5584 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;415 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1573.69 | XXXXXX | 6.6736 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;417 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1450 | XXXXXX | 5.905 | Employed | (No Data) | Non-Permanent<br> Resident Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7829 | XXXXXX | 5.6717 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6972.78 | XXXXXX | 7.103 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1590 | XXXXXX | 6.169 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;424 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10835.45 | XXXXXX | 7.1792 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 6.1411 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;426 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 750 | XXXXXX | 6.0617 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 6.5885 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7854.85 | XXXXXX | 5.2874 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4834.98 | XXXXXX | 6.2253 | Employed | (No Data) | Permanent Resident<br> Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;433 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7304.24 | XXXXXX | 6.1846 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.6411 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13620 | XXXXXX | 6.194 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;441 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9183.5 | XXXXXX | 6.5282 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | 6.6401 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1561.77 | XXXXXX | 6.2191 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1950 | XXXXXX | 6.4486 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;447 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5427 | XXXXXX | 6.0032 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;450 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1720 | XXXXXX | 6.6328 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 6.6745 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;453 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 15535 | XXXXXX | 6.2004 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11623 | XXXXXX | 6.858 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9343.66 | XXXXXX | 6.6431 | Employed | (No Data) | Permanent Resident<br> Alien | (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 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;457 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11445 | XXXXXX | 6.151 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;460 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5519.67 | XXXXXX | 5.5971 | Employed | (No Data) | Permanent Resident<br> Alien | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1690 | XXXXXX | 6.1666 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 124.06 | XXXXXX | 5.6248 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13050 | XXXXXX | 6.142 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1499 | XXXXXX | 6.673 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;473 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6510 | XXXXXX | 6.6299 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;474 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 800 | XXXXXX | 6.1531 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 6.6284 | Employed | Employed | Permanent Resident<br> Alien | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 6.7207 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.6022 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1990 | XXXXXX | 6.2296 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;486 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1419 | XXXXXX | 5.9363 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4486.65 | XXXXXX | 7.3693 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;489 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4899.2 | XXXXXX | 6.131 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 15245 | XXXXXX | 6.2728 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 15000 | XXXXXX | 6.1362 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;492 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4333 | XXXXXX | 6.0593 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7490.19 | XXXXXX | 6.7437 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;498 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.7764 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.2636 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 5.7659 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4937 | XXXXXX | 5.0143 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 6.1926 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 7.2966 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4346 | XXXXXX | 6.2903 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;512 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 8485.94 | XXXXXX | 6.2668 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7650 | XXXXXX | 7.0749 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;517 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1195 | XXXXXX | 7.5457 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;521 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1064 | XXXXXX | 6.8955 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;522 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7455 | XXXXXX | 6.6544 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Loan Level<br>ATR/QM<br>Status** | **Application<br>Date Prior<br>to 1/10/2014** | **Lender<br>Application<br>Date** | **Broker<br>Application<br>Date** | **GSE<br>Eligible** | **QRM<br>Flag** | **ATR/QM<br>Total<br>Points<br>and Fees** | **Rate<br>Lock<br>Date** | **APR** | **Bwr 1<br>Employment<br>Indicator** | **Bwr 2<br>Employment<br>Indicator** | **Bwr 1 Foreign<br>National<br>Indicator** | **Bwr 2 Foreign<br>National<br>Indicator** | **Borrowers<br>Qualified<br>Through a<br>Non-Resident<br>Alien<br>Program** | **Residual<br>Income<br>Analysis<br>in File** | **ATR/<br>QM<br>Residual<br>Income** |
| &nbsp;&nbsp;&nbsp;523 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2336 | XXXXXX | 6.3925 | Employed | Employed | Non-Permanent<br> Resident Alien | Non-Permanent<br> Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.1838 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;526 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5508 | XXXXXX | 7.1807 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1845 | XXXXXX | 6.2972 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2490 | XXXXXX | 6.57 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 0 | XXXXXX | 6.0605 | Unemployed | Employed | Permanent Resident<br> Alien | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9865 | XXXXXX | 6.2388 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;539 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 7354.51 | XXXXXX | 6.7395 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 13530 | XXXXXX | 6.2409 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10195 | XXXXXX | 6.2045 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3472.83 | XXXXXX | 5.9776 | Employed | Employed | Permanent Resident<br> Alien | Permanent Resident<br> Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;547 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3067.5 | XXXXXX | 7.6659 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10815.68 | XXXXXX | 6.4919 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;550 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 10296 | XXXXXX | 7.0037 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1930 | XXXXXX | 6.5598 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 800 | XXXXXX | 4.8492 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;558 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1595 | XXXXXX | 6.3332 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1895 | XXXXXX | 6.7086 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;560 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2870 | XXXXXX | 6.6745 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5143.66 | XXXXXX | 6.8351 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 6.1728 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1844 | XXXXXX | 6.6556 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3710 | XXXXXX | 5.2753 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 11497 | XXXXXX | 5.9215 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6540.5 | XXXXXX | 6.7885 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1495 | XXXXXX | 6.5529 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;578 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 563.85 | XXXXXX | 6.8132 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;579 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 2580.88 | XXXXXX | 6.4349 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;582 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6020 | XXXXXX | 6.6125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 6540 | XXXXXX | 6.6179 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;585 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1289.95 | XXXXXX | 6.8992 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;586 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1640 | XXXXXX | 6.6468 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1695 | XXXXXX | 6.7509 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 1874 | XXXXXX | 5.5599 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;593 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5972 | XXXXXX | 6.2116 | Employed | Employed | Non-Permanent<br> Resident Alien | Non-Permanent<br> Resident Alien | (No Data) | No | 0 |
| &nbsp;&nbsp;&nbsp;595 | XXXXXX | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 9935 | XXXXXX | 6.2404 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |

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<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** 

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| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC PMTLT 2026-CNF1_J16453 |

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**Loan Level Tape Compare Upload**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;1 | XXXXXX | XXXXXX | Cash Reserves | 5912.11 | 451.13 |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10485.00 | 14038.05 |
| &nbsp;&nbsp;&nbsp;3 | XXXXXX | XXXXXX | Property Type | SFR-Attached | SFR |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;12 | XXXXXX | XXXXXX | Cash Reserves | 181546.70 | 95044.25 |
| &nbsp;&nbsp;&nbsp;18 | XXXXXX | XXXXXX | Borrower 1 Total Income | 28834.00 | 64250.76 |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9167.00 | 11800.55 |
| &nbsp;&nbsp;&nbsp;19 | XXXXXX | XXXXXX | Cash Reserves | 13038.61 | 7179.88 |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | Cash Reserves | 114296.32 | 75032.47 |
| &nbsp;&nbsp;&nbsp;24 | XXXXXX | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;25 | XXXXXX | XXXXXX | Cash Reserves | 233092.04 | 69897.59 |
| &nbsp;&nbsp;&nbsp;27 | XXXXXX | XXXXXX | Cash Reserves | 37382.93 | 26116.30 |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;29 | XXXXXX | XXXXXX | Cash Reserves | 11927.30 | 24507.15 |
| &nbsp;&nbsp;&nbsp;30 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;34 | XXXXXX | XXXXXX | Cash Reserves | 273093.80 | 116624.23 |
| &nbsp;&nbsp;&nbsp;34 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;35 | XXXXXX | XXXXXX | Cash Reserves | 117413.62 | 18053.58 |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;37 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| &nbsp;&nbsp;&nbsp;40 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;40 | XXXXXX | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | AUS Grade Audit | Approve/Eligible DU/DO AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;42 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10000.00 | 36379.07 |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10750.00 | 17272.90 |
| &nbsp;&nbsp;&nbsp;43 | XXXXXX | XXXXXX | Cash Reserves | 308160.00 | 138640.09 |
| &nbsp;&nbsp;&nbsp;47 | XXXXXX | XXXXXX | Cash Reserves | 361780.17 | 466546.10 |
| &nbsp;&nbsp;&nbsp;49 | XXXXXX | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;54 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;62 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;64 | XXXXXX | XXXXXX | Cash Reserves | 104444.96 | 61908.14 |
| &nbsp;&nbsp;&nbsp;65 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | Borrower 2 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;68 | XXXXXX | XXXXXX | Cash Reserves | 332219.06 | 159295.32 |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Approve/Eligible DU/DO AUS Only |
| &nbsp;&nbsp;&nbsp;69 | XXXXXX | XXXXXX | Cash Reserves | 738401.72 | 307228.90 |
| &nbsp;&nbsp;&nbsp;74 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;75 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;82 | XXXXXX | XXXXXX | Borrower 1 Total Income | 15450.00 | 21110.17 |
| &nbsp;&nbsp;&nbsp;83 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | Cash Reserves | 414477.54 | 272591.50 |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | Original Appraisal Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;84 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;86 | XXXXXX | XXXXXX | Cash Reserves | 235529.22 | 88396.40 |
| &nbsp;&nbsp;&nbsp;87 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;88 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;91 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | XXXXXX | Cash Reserves | 148760.81 | 40418.71 |
| &nbsp;&nbsp;&nbsp;93 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | XXXXXX | Cash Reserves | 209700.40 | 57222.07 |
| &nbsp;&nbsp;&nbsp;94 | XXXXXX | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;95 | XXXXXX | XXXXXX | Cash Reserves | 43393.59 | 2289.21 |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;97 | XXXXXX | XXXXXX | Cash Reserves | 256718.70 | 99442.35 |
| &nbsp;&nbsp;&nbsp;102 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;103 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;106 | XXXXXX | XXXXXX | Cash Reserves | 206675.28 | 67898.54 |
| &nbsp;&nbsp;&nbsp;112 | XXXXXX | XXXXXX | Borrower 1 Total Income | 3793.00 | 5972.33 |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | Borrower 1 Total Income | 28189.00 | 35491.26 |
| &nbsp;&nbsp;&nbsp;115 | XXXXXX | XXXXXX | Product Type | 30 Yr Fixed | 27 Yr Fixed |
| &nbsp;&nbsp;&nbsp;120 | XXXXXX | XXXXXX | Cash Reserves | 356673.32 | 54329.34 |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;122 | XXXXXX | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| &nbsp;&nbsp;&nbsp;127 | XXXXXX | XXXXXX | Cash Reserves | 243398.63 | 152914.49 |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;129 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;139 | XXXXXX | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;143 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;144 | XXXXXX | XXXXXX | Cash Reserves | 111867.37 | 77646.85 |
| &nbsp;&nbsp;&nbsp;145 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;152 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;153 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.4700 | 48.0253 |
| &nbsp;&nbsp;&nbsp;154 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;162 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;164 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;166 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;169 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;174 | XXXXXX | XXXXXX | Cash Reserves | 52835.20 | 147473.75 |
| &nbsp;&nbsp;&nbsp;175 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;177 | XXXXXX | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;179 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;182 | XXXXXX | XXXXXX | Borrower 1 Total Income | 5923.00 | 9317.11 |
| &nbsp;&nbsp;&nbsp;191 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;197 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;201 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;207 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;209 | XXXXXX | XXXXXX | Cash Reserves | 254108.63 | 122831.26 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;211 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;212 | XXXXXX | XXXXXX | Cash Reserves | 181.03 | 0.00 |
| &nbsp;&nbsp;&nbsp;215 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;223 | XXXXXX | XXXXXX | Cash Reserves | 5208.00 | 1934.62 |
| &nbsp;&nbsp;&nbsp;224 | XXXXXX | XXXXXX | Cash Reserves | 27000.00 | 0.00 |
| &nbsp;&nbsp;&nbsp;225 | XXXXXX | XXXXXX | Cash Reserves | 122361.19 | 14344.32 |
| &nbsp;&nbsp;&nbsp;232 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | Cash Reserves | 102922.72 | 141099.26 |
| &nbsp;&nbsp;&nbsp;233 | XXXXXX | XXXXXX | Sales Price | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;235 | XXXXXX | XXXXXX | Cash Reserves | 56791.43 | 39754.00 |
| &nbsp;&nbsp;&nbsp;236 | XXXXXX | XXXXXX | Cash Reserves | 493128.55 | 133538.51 |
| &nbsp;&nbsp;&nbsp;237 | XXXXXX | XXXXXX | Cash Reserves | 98457.91 | 10188.77 |
| &nbsp;&nbsp;&nbsp;240 | XXXXXX | XXXXXX | Borrower 1 Total Income | 9022.00 | 12027.03 |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | Borrower 1 Total Income | 14452.64 | 23019.85 |
| &nbsp;&nbsp;&nbsp;245 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;249 | XXXXXX | XXXXXX | Cash Reserves | 192023.04 | 13168.38 |
| &nbsp;&nbsp;&nbsp;254 | XXXXXX | XXXXXX | Cash Reserves | 228128.00 | 92896.47 |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;255 | XXXXXX | XXXXXX | Cash Reserves | 197536.56 | 14113.64 |
| &nbsp;&nbsp;&nbsp;257 | XXXXXX | XXXXXX | Cash Reserves | 119282.95 | 26910.64 |
| &nbsp;&nbsp;&nbsp;269 | XXXXXX | XXXXXX | Cash Reserves | 243889.41 | 608173.96 |
| &nbsp;&nbsp;&nbsp;269 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;270 | XXXXXX | XXXXXX | Cash Reserves | 216438.17 | 71270.74 |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1025 Multi-Fam (Mar 05) |
| &nbsp;&nbsp;&nbsp;277 | XXXXXX | XXXXXX | Cash Reserves | 371395.71 | 173306.59 |
| &nbsp;&nbsp;&nbsp;282 | XXXXXX | XXXXXX | Cash Reserves | 4000.00 | 951.18 |
| &nbsp;&nbsp;&nbsp;285 | XXXXXX | XXXXXX | Borrower 1 Total Income | 4212.00 | 6524.52 |
| &nbsp;&nbsp;&nbsp;285 | XXXXXX | XXXXXX | Cash Reserves | 323591.05 | 19482.55 |
| &nbsp;&nbsp;&nbsp;286 | XXXXXX | XXXXXX | Cash Reserves | 293506.44 | 100011.55 |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;287 | XXXXXX | XXXXXX | Cash Reserves | 18122.41 | 37402.51 |
| &nbsp;&nbsp;&nbsp;290 | XXXXXX | XXXXXX | Cash Reserves | 87648.25 | 2664.36 |
| &nbsp;&nbsp;&nbsp;293 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;293 | XXXXXX | XXXXXX | Cash Reserves | 175419.51 | 94948.06 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | No | Yes |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Cash Reserves | 764886.90 | 60314.03 |
| &nbsp;&nbsp;&nbsp;298 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;301 | XXXXXX | XXXXXX | Cash Reserves | 243000.00 | 35054.72 |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1004C Manuf (Mar 05) |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | Cash Reserves | 131018.48 | 9209.30 |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 29.6980 | 39.6087 |
| &nbsp;&nbsp;&nbsp;304 | XXXXXX | XXXXXX | Property Type | SFR | Manufactured (Dbl) |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;306 | XXXXXX | XXXXXX | Cash Reserves | 417444.69 | 159563.57 |
| &nbsp;&nbsp;&nbsp;310 | XXXXXX | XXXXXX | Cash Reserves | 32885.29 | 16984.06 |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;317 | XXXXXX | XXXXXX | Cash Reserves | 183495.28 | 68699.32 |
| &nbsp;&nbsp;&nbsp;320 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;320 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;323 | XXXXXX | XXXXXX | Cash Reserves | 501855.56 | 180378.78 |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;324 | XXXXXX | XXXXXX | Cash Reserves | 185689.40 | 93575.96 |
| &nbsp;&nbsp;&nbsp;327 | XXXXXX | XXXXXX | Cash Reserves | 241531.19 | 15760.03 |
| &nbsp;&nbsp;&nbsp;328 | XXXXXX | XXXXXX | Borrower 1 Self Employed Flag | Yes | No |
| &nbsp;&nbsp;&nbsp;329 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;329 | XXXXXX | XXXXXX | Cash Reserves | 110000.00 | 11414.45 |
| &nbsp;&nbsp;&nbsp;332 | XXXXXX | XXXXXX | Cash Reserves | 137361.93 | 62204.54 |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | XXXXXX | AUS Grade Audit | Approve/Eligible DU/DO AUS Only | Accept Streamline LP AUS Only |
| &nbsp;&nbsp;&nbsp;333 | XXXXXX | XXXXXX | Cash Reserves | 206839.24 | 17099.58 |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8333.00 | 13727.35 |
| &nbsp;&nbsp;&nbsp;336 | XXXXXX | XXXXXX | Cash Reserves | 147230.13 | 90928.07 |
| &nbsp;&nbsp;&nbsp;338 | XXXXXX | XXXXXX | Cash Reserves | 154377.11 | 54760.86 |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | XXXXXX | Cash Reserves | 97000.00 | 9364.49 |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;344 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | Detached PUD |
| &nbsp;&nbsp;&nbsp;346 | XXXXXX | XXXXXX | Cash Reserves | 1498520.83 | 773487.24 |
| &nbsp;&nbsp;&nbsp;349 | XXXXXX | XXXXXX | AUS Grade Audit | Accept LP AUS Only | Approve/Eligible DU/DO AUS Only |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10416.67 | 23432.90 |
| &nbsp;&nbsp;&nbsp;350 | XXXXXX | XXXXXX | Cash Reserves | 302449.58 | 101372.59 |
| &nbsp;&nbsp;&nbsp;351 | XXXXXX | XXXXXX | Cash Reserves | 154726.88 | 20176.75 |
| &nbsp;&nbsp;&nbsp;352 | XXXXXX | XXXXXX | Cash Reserves | 180859.01 | 29885.61 |
| &nbsp;&nbsp;&nbsp;355 | XXXXXX | XXXXXX | Cash Reserves | 533112.21 | 53112.21 |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;359 | XXXXXX | XXXXXX | Cash Reserves | 8038.59 | 574.52 |
| &nbsp;&nbsp;&nbsp;369 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;370 | XXXXXX | XXXXXX | Cash Reserves | 173107.39 | 43173.41 |
| &nbsp;&nbsp;&nbsp;372 | XXXXXX | XXXXXX | Cash Reserves | 100461.24 | 14405.24 |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;373 | XXXXXX | XXXXXX | Cash Reserves | 267792.94 | 62892.73 |
| &nbsp;&nbsp;&nbsp;374 | XXXXXX | XXXXXX | Cash Reserves | 105381.13 | 61005.32 |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | Borrower 1 Total Income | 3000.00 | 15353.24 |
| &nbsp;&nbsp;&nbsp;375 | XXXXXX | XXXXXX | Cash Reserves | 281159.45 | 149872.98 |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;379 | XXXXXX | XXXXXX | Cash Reserves | 340000.00 | 189848.74 |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10250.00 | 36219.11 |
| &nbsp;&nbsp;&nbsp;381 | XXXXXX | XXXXXX | Cash Reserves | 150358.60 | 25199.38 |
| &nbsp;&nbsp;&nbsp;382 | XXXXXX | XXXXXX | Cash Reserves | 348914.07 | 213086.05 |
| &nbsp;&nbsp;&nbsp;383 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | Cash Reserves | 164753.56 | 35018.77 |
| &nbsp;&nbsp;&nbsp;388 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | Site Condo |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | Borrower 1 Total Income | 5000.00 | 13125.54 |
| &nbsp;&nbsp;&nbsp;390 | XXXXXX | XXXXXX | Cash Reserves | 85323.83 | 1562.73 |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;391 | XXXXXX | XXXXXX | Cash Reserves | 368743.49 | 31559.76 |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;393 | XXXXXX | XXXXXX | Cash Reserves | 172520.48 | 52760.41 |
| &nbsp;&nbsp;&nbsp;396 | XXXXXX | XXXXXX | Cash Reserves | 107497.85 | 28948.31 |
| &nbsp;&nbsp;&nbsp;402 | XXXXXX | XXXXXX | Cash Reserves | 658366.65 | 213500.48 |
| &nbsp;&nbsp;&nbsp;405 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;413 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;414 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;420 | XXXXXX | XXXXXX | Cash Reserves | 243758.24 | 134185.75 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | Cash Reserves | 212746.95 | 42191.50 |
| &nbsp;&nbsp;&nbsp;422 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;423 | XXXXXX | XXXXXX | Cash Reserves | 183720.13 | 81147.55 |
| &nbsp;&nbsp;&nbsp;425 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;426 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8401.53 | 10899.47 |
| &nbsp;&nbsp;&nbsp;428 | XXXXXX | XXXXXX | Cash Reserves | 252143.11 | 95660.79 |
| &nbsp;&nbsp;&nbsp;431 | XXXXXX | XXXXXX | Cash Reserves | 177200.76 | 45080.27 |
| &nbsp;&nbsp;&nbsp;432 | XXXXXX | XXXXXX | Cash Reserves | 189086.46 | 93242.49 |
| &nbsp;&nbsp;&nbsp;433 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;437 | XXXXXX | XXXXXX | Cash Reserves | 679329.85 | 477372.63 |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | Borrower 1 Total Income | 3467.14 | 6636.85 |
| &nbsp;&nbsp;&nbsp;439 | XXXXXX | XXXXXX | Cash Reserves | 674641.38 | 340980.21 |
| &nbsp;&nbsp;&nbsp;442 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;444 | XXXXXX | XXXXXX | Cash Reserves | 120392.00 | 9887.67 |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;446 | XXXXXX | XXXXXX | Cash Reserves | 224765.00 | 53470.90 |
| &nbsp;&nbsp;&nbsp;450 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;450 | XXXXXX | XXXXXX | Cash Reserves | 144869.55 | 13640.43 |
| &nbsp;&nbsp;&nbsp;450 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 43.8130 | 36.7699 |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;452 | XXXXXX | XXXXXX | Cash Reserves | 965478.88 | 686133.91 |
| &nbsp;&nbsp;&nbsp;453 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;453 | XXXXXX | XXXXXX | Cash Reserves | 146412.46 | 27597.50 |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;454 | XXXXXX | XXXXXX | Cash Reserves | 102121.45 | 8715.04 |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;455 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;457 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;460 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;460 | XXXXXX | XXXXXX | Borrower 1 Total Income | 18750.00 | 25326.40 |
| &nbsp;&nbsp;&nbsp;460 | XXXXXX | XXXXXX | Cash Reserves | 260443.39 | 53204.74 |
| &nbsp;&nbsp;&nbsp;462 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;467 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;468 | XXXXXX | XXXXXX | Cash Reserves | 335000.00 | 24894.84 |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | XXXXXX | Borrower 1 Total Income | 3680.57 | 6441.57 |
| &nbsp;&nbsp;&nbsp;471 | XXXXXX | XXXXXX | Cash Reserves | 337483.23 | 191522.44 |
| &nbsp;&nbsp;&nbsp;473 | XXXXXX | XXXXXX | Cash Reserves | 191429.77 | 50474.93 |
| &nbsp;&nbsp;&nbsp;473 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;474 | XXXXXX | XXXXXX | Cash Reserves | 386100.00 | 273094.83 |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;478 | XXXXXX | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;480 | XXXXXX | XXXXXX | Cash Reserves | 212816.33 | 40580.01 |
| &nbsp;&nbsp;&nbsp;481 | XXXXXX | XXXXXX | Cash Reserves | 131899.60 | 59617.39 |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;482 | XXXXXX | XXXXXX | Cash Reserves | 130040.59 | 2021.20 |
| &nbsp;&nbsp;&nbsp;486 | XXXXXX | XXXXXX | Cash Reserves | 300538.57 | 213967.53 |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |

---

------

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;487 | XXXXXX | XXXXXX | Cash Reserves | 172528.12 | 48174.03 |
| &nbsp;&nbsp;&nbsp;490 | XXXXXX | XXXXXX | Combined LTV | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;491 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8204.56 | 19775.24 |
| &nbsp;&nbsp;&nbsp;495 | XXXXXX | XXXXXX | Cash Reserves | 14000.00 | 2687.47 |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;500 | XXXXXX | XXXXXX | Cash Reserves | 185150.96 | 77609.12 |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | Cash Reserves | 471721.94 | 336026.01 |
| &nbsp;&nbsp;&nbsp;502 | XXXXXX | XXXXXX | Origination Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | Cash Reserves | 286134.84 | 101750.03 |
| &nbsp;&nbsp;&nbsp;503 | XXXXXX | XXXXXX | Credit Report Date | XXXXXX | XXXXXX |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;507 | XXXXXX | XXXXXX | Cash Reserves | 293709.77 | 202244.41 |
| &nbsp;&nbsp;&nbsp;508 | XXXXXX | XXXXXX | Borrower 1 Total Income | 6500.00 | 16827.95 |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;509 | XXXXXX | XXXXXX | Cash Reserves | 265007.62 | 170494.42 |
| &nbsp;&nbsp;&nbsp;512 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;512 | XXXXXX | XXXXXX | Cash Reserves | 145966.51 | 64530.79 |
| &nbsp;&nbsp;&nbsp;516 | XXXXXX | XXXXXX | Cash Reserves | 209894.70 | 3240.34 |
| &nbsp;&nbsp;&nbsp;522 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;523 | XXXXXX | XXXXXX | Cash Reserves | 80964.03 | 40185.30 |
| &nbsp;&nbsp;&nbsp;524 | XXXXXX | XXXXXX | Cash Reserves | 413635.08 | 261281.92 |
| &nbsp;&nbsp;&nbsp;526 | XXXXXX | XXXXXX | Borrower 1 Total Income | 550.33 | 7287.87 |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;527 | XXXXXX | XXXXXX | Cash Reserves | 161313.93 | 54243.07 |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;528 | XXXXXX | XXXXXX | Cash Reserves | 175338.92 | 42533.60 |
| &nbsp;&nbsp;&nbsp;530 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;535 | XXXXXX | XXXXXX | Cash Reserves | 327044.00 | 225453.77 |
| &nbsp;&nbsp;&nbsp;543 | XXXXXX | XXXXXX | Cash Reserves | 174849.67 | 41808.75 |
| &nbsp;&nbsp;&nbsp;544 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;546 | XXXXXX | XXXXXX | Cash Reserves | 124553.99 | 14683.91 |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;548 | XXXXXX | XXXXXX | Cash Reserves | 396472.44 | 227449.24 |
| &nbsp;&nbsp;&nbsp;551 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;554 | XXXXXX | XXXXXX | Cash Reserves | 102103.19 | 17803.19 |
| &nbsp;&nbsp;&nbsp;558 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;558 | XXXXXX | XXXXXX | Cash Reserves | 4812.00 | 76666.44 |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | Borrower 1 Total Income | 15611.48 | 23897.61 |
| &nbsp;&nbsp;&nbsp;559 | XXXXXX | XXXXXX | Cash Reserves | 11855.34 | 0.00 |
| &nbsp;&nbsp;&nbsp;560 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;566 | XXXXXX | XXXXXX | Borrower 1 Total Income | 8146.67 | 12720.14 |
| &nbsp;&nbsp;&nbsp;568 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;569 | XXXXXX | XXXXXX | Cash Reserves | 429622.18 | 212755.68 |
| &nbsp;&nbsp;&nbsp;570 | XXXXXX | XXXXXX | Cash Reserves | 120341.20 | 77075.69 |
| &nbsp;&nbsp;&nbsp;572 | XXXXXX | XXXXXX | Cash Reserves | 19072.00 | 29093.08 |
| &nbsp;&nbsp;&nbsp;573 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | XXXXXX | Cash Reserves | 231316.84 | 122441.71 |
| &nbsp;&nbsp;&nbsp;574 | XXXXXX | XXXXXX | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| &nbsp;&nbsp;&nbsp;578 | XXXXXX | XXXXXX | Cash Reserves | 184564.00 | 73056.93 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Deal ID** | **Loan<br>Number** | **Borrower<br>Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| &nbsp;&nbsp;&nbsp;579 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;579 | XXXXXX | XXXXXX | Borrower 1 Total Income | 10000.00 | 14784.81 |
| &nbsp;&nbsp;&nbsp;579 | XXXXXX | XXXXXX | Cash Reserves | 199919.18 | 38040.08 |
| &nbsp;&nbsp;&nbsp;583 | XXXXXX | XXXXXX | Cash Reserves | 3959.86 | 85434.27 |
| &nbsp;&nbsp;&nbsp;586 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | Property Inspection Waiver |
| &nbsp;&nbsp;&nbsp;586 | XXXXXX | XXXXXX | Cash Reserves | 9029.23 | 6196.08 |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | XXXXXX | Cash Reserves | 3446.15 | 227.79 |
| &nbsp;&nbsp;&nbsp;589 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 49.3150 | 45.7180 |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | Cash Reserves | 196251.00 | 134987.17 |
| &nbsp;&nbsp;&nbsp;590 | XXXXXX | XXXXXX | Property Type | Detached PUD | Attached PUD |
| &nbsp;&nbsp;&nbsp;593 | XXXXXX | XXXXXX | Appraisal Form Type | 1004 SFR (Mar 05) | 1073 Condo (Mar 05) |
| &nbsp;&nbsp;&nbsp;593 | XXXXXX | XXXXXX | Cash Reserves | 49034.00 | 17886.07 |
| &nbsp;&nbsp;&nbsp;593 | XXXXXX | XXXXXX | Property Type | Rowhouse | Low Rise Condo (1-4) |
| &nbsp;&nbsp;&nbsp;598 | XXXXXX | XXXXXX | Borrower 1 Total Income | 7484.37 | 11764.96 |
| &nbsp;&nbsp;&nbsp;598 | XXXXXX | XXXXXX | Debt to Income Ratio (Back) | 44.1260 | 31.3123 |
| &nbsp;&nbsp;&nbsp;598 | XXXXXX | XXXXXX | Total Monthly Income | 21395.00 | 29371.18 |
| &nbsp;&nbsp;&nbsp;602 | XXXXXX | XXXXXX | Cash Reserves | 154010.37 | 16861.95 |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | Cash Reserves | 83400.72 | 11038.76 |
| &nbsp;&nbsp;&nbsp;603 | XXXXXX | XXXXXX | Property Type | SFR | Detached PUD |
| &nbsp;&nbsp;&nbsp;599 | XXXXXX | XXXXXX | Cash Reserves | 141074.64 | 44108.34 |
| &nbsp;&nbsp;&nbsp;600 | XXXXXX | XXXXXX | Cash Reserves | 198699.70 | 34775.03 |

---

<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** 

------

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| | |
|:---|:---|
| **Client Name:** | PennyMac |
| **Client Project Name:** | PNMAC PMTLT 2026-CNF1_J16453 |
| **Valuations Summary** |  |
| *Loans in Report:* | *272* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | **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;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<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 -<br>Valuation<br>Type** | **Report<br>Date -<br>Other** | **Value<br>-<br>Other** | **Variance<br>Amount<br>- Other** | **Variance<br>(%) -<br>Other** | **CU / LCA<br>Score** | **Valuation<br>Comments<br>Audit** |
| &nbsp;&nbsp;&nbsp;&nbsp; 1 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 9.17% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 602 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 7.97% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 3 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 7 | 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% | 3.4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 12 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 14 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 15 | 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% | 3.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 18 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 19 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 21 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 24 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 25 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.37% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 27 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 28 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 29 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 29.75% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 30 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 34 | 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% | 2.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 35 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 37 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<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% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 40 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 13.57% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 42 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 43 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.57% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 47 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 49 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 54 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 55 | 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% | 5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 62 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -1.53% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 64 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 11.54% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 65 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 68 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 69 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 74 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -9.50% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 75 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $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 | -26.62% | XXXXXX | XXXXXX | XXXXXX | -24.15% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 82 | 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% | 3.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 83 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 1.69% |  |  | $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% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 86 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 87 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 5.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 88 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -0.64% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |

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| | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance%** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance%** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 91 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 11.76% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 93 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 94 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.67% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 95 | 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% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 97 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 102 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -6.25% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 103 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 4.92% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 603 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 9.79% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 604 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -1.31% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 106 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 110 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 112 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 115 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 120 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 122 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -4.48% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 127 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 129 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 134 | 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% | 3.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 137 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 139 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 143 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 27.47% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 144 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -9.20% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 145 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 147 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 152 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -1.97% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 153 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 154 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 23.09% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 162 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -6.75% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 163 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 164 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.48% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 166 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.23% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 167 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 168 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 169 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.70% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 171 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 174 | 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 | -4.96% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.66% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 177 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.56% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 179 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.84% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 181 | 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% | (No<br>Data) |  |

---

------

---

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| | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance%** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance%** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 182 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $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 | -4.13% | XXXXXX | XXXXXX | XXXXXX | -15.38% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 191 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -0.63% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 194 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 196 | 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% | 3.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 197 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<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% | 3.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 199 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 201 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -9.52% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 202 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 207 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -8.16% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 209 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -3.85% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 211 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.48% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 212 | 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 | -3.08% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 213 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 215 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 3.66% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 599 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 600 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 601 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 222 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 223 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 224 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 225 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 229 | 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% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 230 | 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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 232 | 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% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 233 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 598 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -0.68% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 235 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 20.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 236 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 237 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 240 | 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; 245 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<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% | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 247 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 249 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 254 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 255 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.54% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 257 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 269 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 270 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 271 | 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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 273 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |

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| | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance%** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance%** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 276 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 277 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025<br>Multi-Fam<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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 280 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 282 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 284 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 285 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 286 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 287 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.71% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 290 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 291 | 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% | 2.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 293 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -4.26% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 298 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 300 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 301 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 1.28% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 304 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C<br>Manuf<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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 305 | 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% | 2.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 306 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 10.10% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 310 | 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% | 2.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 317 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -1.00% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 320 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<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; 323 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 324 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -6.78% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 326 | 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% | 2.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 327 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 328 | 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% | 4 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 329 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 332 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 333 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 336 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 338 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 343 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 344 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 346 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 349 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 350 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 351 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 352 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 355 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 359 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 369 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 13.52% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |

---

------

---

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| | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance%** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance%** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 370 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 372 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 373 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 374 | 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% | 4.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 375 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 4.96% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 379 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 7.36% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 381 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 382 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 383 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 2.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 388 | 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% | 3.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 390 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 391 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 4.74% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 393 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -0.48% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 394 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 396 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 400 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 402 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 404 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 405 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 12.04% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 413 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 414 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 415 | 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 | -0.95% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 417 | 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% | 2.8 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 420 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 422 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 423 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 1.23% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 424 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.61% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 3.03% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 431 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 432 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -5.20% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 437 | 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% | 3.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 439 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 3.16% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 441 | 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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 442 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -3.18% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 444 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 446 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 447 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1 |  |

---

------

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| | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance%** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance%** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 450 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 452 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 2.25% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 454 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 457 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 37.14% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 460 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 462 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -5.20% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 467 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $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 | -4.49% | XXXXXX | XXXXXX | XXXXXX | -17.31% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 468 | 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% | 2.7 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 471 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 473 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 474 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 478 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 480 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 481 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 482 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.34% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 486 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 487 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.08% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 489 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 490 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 491 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 492 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 495 | 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% | 3.3 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 498 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 500 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 502 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 503 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 507 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 1.35% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 508 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 509 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.06% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 512 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 516 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 517 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 521 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 522 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<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; 523 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 524 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 526 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 527 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 3.26% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |

---

------

---

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| | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS<br>Information** | |
| &nbsp;&nbsp;&nbsp;**Deal<br>ID** | **Loan<br>Number** | **Original<br>Balance** | **Sales<br>Price** | **Value For<br>LTV** | **Appraised<br>Date** | **Appraised<br>Value** | **Appraisal<br>Form** | **AVM<br>Vendor<br>Name** | **Confidence<br>Score** | **Review<br>Date** | **Review<br>Value** | **Variance<br>Amount** | **Variance%** | **Review<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **AVM<br>Vendor<br>Name** | **AVM<br>FSD** | **Confidence<br>Score** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance%** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Report<br>Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **Other -<br>Valuation<br>Type** | **Report<br>Date** | **Value** | **Variance<br>Amount** | **Variance<br>(%)** | **CU / LCA<br>Score** | **Valuation<br>Comments** |
| &nbsp;&nbsp;&nbsp;&nbsp; 528 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | -2.64% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 530 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXXX | XXXXXX | XXXXXX | 7.80% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 535 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -3.23% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 539 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.2 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 543 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 544 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 1.50% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 546 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 547 | 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% | 3.5 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 548 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 550 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 551 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 554 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 558 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.17% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 559 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 12.82% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 560 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 566 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 568 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 569 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 570 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 572 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 573 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | -1.98% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 574 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<br>(Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 578 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 579 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 0.31% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 582 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 583 | 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% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 585 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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; 586 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Property<br>Inspection<br>Waiver |  |  |  | $0.00 | $0.00 | 0.00% | Not<br>Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 | 8.09% |  |  | $0.00 | $0.00 | 0.00% | (No<br>Data) |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 589 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 590 | 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% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 |  |
| &nbsp;&nbsp;&nbsp;&nbsp; 593 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073<br>Condo<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; 595 | 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% | 3.9 |  |

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*The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com*